For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-03-30.
Barclays provides bank business loans focusing on secured and unsecured options for SMEs. Typically suitable for franchise buyers and businesses needing flexible repayment terms. The lender offers choice in collateral and loan structures with brokered access to various finance products.
Loan Details
- Min Amount: £1,000
- Max Amount: £25,000,000
- Min APR: 11.2%
- Max APR: 0%
- Loan Duration: 1 to 10 years ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans, Revolving Credit
- Industries: Hospitality, Retail, Manufacturing
Pros
- Established bank with extensive services
- Flexible loan options
Cons
- May have higher rates compared to newer lenders
Lloyds Bank focuses on secured and commercial business loans with flexible amounts and repayment options. Business owners and franchise buyers needing reliable funding with tailored terms will find suitable options. Loan availability often depends on credit profile and collateral provided.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3 months to 5 years ⌛
Services & Industries
- Finance Types: Secured Loans, Business Loans, Commercial Loans
- Industries: Hospitality, Construction, Agriculture
Pros
- Flexible repayment terms
- Strong customer support
Cons
- Requires strong credit history
HSBC UK specialises in bank business loans and funding solutions tailored to a broad range of industries. Their products suit franchise buyers and businesses requiring competitive terms with options for secured lending and overdrafts. Flexibility and global banking support are key features.
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6 months to 10 years ⌛
Services & Industries
- Finance Types: Secured Loans, Business Funding, Overdrafts
- Industries: Hospitality, Retail, Technology
Pros
- Global bank with strong presence
- Competitive rates
Cons
- Strict eligibility criteria
4. Santander UK
Santander UK offers flexible business finance options with a primary focus on secured loans and overdrafts. It is suitable for UK-based businesses and franchise owners needing adaptable credit solutions. Loan features include varied repayment plans and support for short-term and long-term borrowing.
Loan Details
- Min Amount: £2,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 year to 7 years ⌛
Services & Industries
- Finance Types: Secured Loans, Overdrafts, Short-term Loans
- Industries: Hospitality, Education, Logistics
Pros
- Tailored financial solutions
- Strong SME focus
Cons
- Competitive lending market
Capify provides easy access SME loans with a focus on fast fund delivery and merchant cash advances. It suits franchise buyers and small businesses seeking speed and simplified lending, often with unsecured options. Loan structures offer flexibility in repayment but may involve relatively higher rates.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3 to 24 months ⌛
Services & Industries
- Finance Types: Secured Loans, Merchant Cash Advance, Unsecured Loans
- Industries: Hospitality, Retail, Healthcare
Pros
- Fast approval process
- No early repayment fees
Cons
- Relatively high interest rates compared to banks
Fleximize operates as a digital lender specialising in flexible, tailored business loans to SMEs. Suitable for franchise buyers and businesses needing working capital, it offers a range of secured and unsecured solutions. The service focuses on speed and adaptability in loan terms and approvals.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3 to 48 months ⌛
Services & Industries
- Finance Types: Secured Loans, Business Loans, Working Capital Loans
- Industries: Hospitality, Retail, Technology
Pros
- Fast and flexible loan options
- Digital-first service
Cons
- Higher interest for unsecured options
Time Finance offers personalized financing solutions for SMEs including asset finance and invoice finance. It is suitable for businesses and franchisees requiring structured loan plans with secured options. The provider balances flexibility with finance diversification to meet varying needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 12 to 60 months ⌛
Services & Industries
- Finance Types: Secured Loans, Invoice Finance, Asset Finance
- Industries: Hospitality, Engineering, Professional Services
Pros
- Personalized loan plans
- Multiple financing options
Cons
- Limited to small and medium loans
Folk2Folk specialises in community-focused, secured lending with a local approach for various business types. It suits SMEs and franchise buyers requiring property or secured loans with reasonable terms. Loans are typically secured against property with community-driven underwriting.
Loan Details
- Min Amount: £25,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6 months to 7 years ⌛
Services & Industries
- Finance Types: Secured Loans, Property Loans
- Industries: Hospitality, Agriculture, Property Development
Pros
- Community-focused lending
- Reasonable interest rates
Cons
- Lower loan amounts compared to national banks
Nucleus Commercial Finance provides fast, flexible financing with a focus on secured loans and asset-based lending. This lender is suitable for growing businesses and franchisees seeking cash flow finance with flexible terms. Their products often include secured options with quick approvals.
Loan Details
- Min Amount: £3,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3 months to 5 years ⌛
Services & Industries
- Finance Types: Secured Loans, Cash Flow Finance, Asset Based Lending
- Industries: Hospitality, Manufacturing, Wholesale
Pros
- Diverse financing options
- Quick approval
White Oak UK focuses on tailored financial solutions including secured loans and asset financing. It is suitable for franchise buyers and SMEs requiring refinancing or diversified loan types across multiple sectors. Loan terms are often flexible with an emphasis on customised lending.
Loan Details
- Min Amount: £2,500
- Max Amount: £1,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 5 years ⌛
Services & Industries
- Finance Types: Secured Loans, Asset Finance, Refinancing
- Industries: Hospitality, Automotive, IT Services
Pros
- Customizable loan solutions
- Wide range of sectors served
Cons
- Interest rates can be variable
How to choose
When choosing the best secured business loan lenders for the hospitality industry, consider the size of the loan and the repayment terms to fit your cash flow. Check lender eligibility requirements to ensure you qualify. Evaluate the level of collateral required and the flexibility of loan structures available. Speed of funding can be critical, so assess approval times and disbursement speed. Compare fees, interest rates, and early repayment policies to find the most practical option. Engaging with brokers or specialist lenders may provide access to tailored solutions.
Conclusion
Matching the right provider to your business needs depends on your financial priorities and use case. Banks typically offer a wider range of secured loans with established terms, while brokers provide access to a variety of lenders and options. Specialist lenders often focus on niche markets or faster funding but may carry different terms. For a 200 thousand pounds loan or similar amounts, it is important to consider the lender type that best suits your requirements. Always verify current pricing, terms, and criteria directly through the lender or your Funding Agent before applying.
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