April 7, 2026
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Best Secured Business Loan Lenders for the Manufacturing Industry

Discover the best secured business loan lenders tailored for the manufacturing industry in the UK. Compare rates, terms, and find the perfect loan to grow your business with ease.
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Best Secured Business Loan Lenders for the Manufacturing Industry
James Laden
Co-founder and CEO

James Laden is the Co-founder and CEO of Funding Agent. He has 8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey. He writes about business lending, alternative finance, and what lenders look for when assessing applications.

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.

1. Fleximize

Fleximize provides both secured and unsecured loans with a focus on flexible terms and competitive rates. Their products suit UK SMEs seeking manageable repayment options and clarity in eligibility. They offer varied loan types with potential speed in approval and options for different collateral requirements.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 41.1%
  • Max APR: 41.1%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Manufacturing

Pros

  • Fast approval process
  • Flexible repayment terms
  • Loyalty discounts

Cons

  • Higher APR for smaller loan amounts

Sources: Source Source

2. Barclays

Barclays offers a broad range of business loans including fixed and variable rate options. Their services fit a wide range of UK SMEs, especially those in manufacturing needing various loan sizes. Barclays supports diverse repayment methods and security options with a focus on established banking relationships.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: 6 to 120 months ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Manufacturing

Pros

  • Established bank with a strong reputation
  • Wide range of loan products

Cons

  • More stringent eligibility criteria

Sources: Source

3. Lloyds Bank

Lloyds Bank provides tailored business loans suited to UK SMEs with flexibility in terms and repayment options. It is suitable for those seeking support with secure and unsecured finance for various business needs. Lloyds focuses on competitive rates and adaptable loan durations.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 12 to 96 months ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Manufacturing

Pros

  • Flexible terms
  • Reputation and trust
  • Diverse financial products

Cons

  • Limited maximum amount for unsecured loans

Sources: Source

4. NatWest

NatWest offers a range of business loans with transparent conditions tailored for UK businesses of various sizes. Its products suit companies seeking flexibility and clarity in loan terms. The lender supports secured and unsecured options with a focus on straightforward pricing.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 11.3%
  • Max APR: 11.3%
  • Loan Duration: 12 to 84 months ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Manufacturing

Pros

  • Transparent pricing
  • Flexible repayment terms

Cons

  • Strict eligibility criteria

Sources: Source

5. Bizcap

Bizcap focuses on fast, secured loans tailored for various industries including manufacturing. Their service suits SMEs seeking quick access to funding with flexible loan terms and secured financing. Bizcap prioritises ease of application and adaptable repayment options.

Loan Details

  • Min Amount: £30,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 6 to 36 months ⌛

Services & Industries

  • Finance Types: Secured loans
  • Industries: Manufacturing

Pros

  • Quick funding process
  • No credit checks required

Cons

  • Unclear APR information

Sources: Source

6. White Oak UK

White Oak UK provides various business finance solutions including secured loans tailored for SME growth and cash flow support. Their offers suit businesses seeking flexible terms with security requirements that aid operational expansion. White Oak UK emphasises clear loan structures and repayment options.

Loan Details

  • Min Amount: £30,000
  • Max Amount: £1,500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Secured loans
  • Industries: Manufacturing

Pros

  • Wide range of loan products
  • Support for SME growth

Cons

  • Lack of clarity on APR

Sources: Source

7. Shawbrook Bank

Shawbrook Bank specialises in secured loans designed for SMEs requiring flexible financial solutions. It suits businesses in manufacturing seeking secured funding with adaptable repayment plans. Shawbrook emphasizes customised loan structures and collateral options.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

  • Finance Types: Secured loans
  • Industries: Manufacturing

Pros

  • Customizable loan solutions
  • Flexible terms

Cons

  • Requires asset as security

Sources: Source

8. Portman Finance

Portman Finance delivers secured business loans for SMEs with an emphasis on quick, flexible financial products. Their services are suited for manufacturers needing rapid funding with clear terms. Portman supports a straightforward process with collateral-focused lending.

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
  • Industries: Manufacturing

Pros

  • Fast approval process
  • Competitive rates

Cons

  • Lacks widespread banking facilities

Sources: Source

9. Capalona

Capalona provides a variety of secured business loan options for UK SMEs across industries, including manufacturing. Their offerings suit businesses looking for diverse lender access with clear terms. Capalona supports flexible financing through a broad network.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: 6 to 120 months ⌛

Services & Industries

  • Finance Types: Secured loans
  • Industries: Manufacturing

Pros

  • Comprehensive lender network
  • Transparent comparison

Cons

  • May not suit all types of businesses

Sources: Source Source

10. Iwoca

Iwoca specialises in fast and flexible business financing with a focus on small UK businesses including manufacturers. They provide secured loans and credit facilities suited to urgent working capital needs. Iwoca offers adaptable terms and efficient access to funding.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £200,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 12 months ⌛

Services & Industries

  • Finance Types: Secured loans, Credit facilities
  • Industries: Manufacturing

Pros

  • Fast loan approval
  • Flexibility

Cons

  • Higher rates for short-term loans

Sources: Source

How to choose

When selecting secured business loan lenders for the manufacturing industry, consider your business size, required loan amount, and type of security you can offer. Match providers’ lending criteria with your eligibility and needs. Evaluate repayment flexibility and the speed of funding to suit your cash flow cycles and project timelines. Assess lender transparency including fees and early repayment policies. Consult brokered options if you need wider lender access or customised solutions. Balance speed, cost, and flexibility carefully to support your operational priorities and growth plans.

Conclusion

Choosing the right lender depends on your business needs and loan purpose. Bank lenders typically provide a broad range of products and established relationships suited for larger or long-term financing. Specialist lenders or brokers may offer faster or more tailored solutions for specific requirements like secured loans. Align your choice with factors such as speed, loan size, security, and eligibility. Always confirm all current costs and terms directly with the lender before applying, as pricing and availability may change. Refer to Funding Agent for further guidance on loans such as a 200 thousand pounds loan.

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FAQs

What is a secured business loan?
Why choose a secured loan for the manufacturing industry?
How do I qualify for a secured business loan in manufacturing?
What types of collateral can I use for a manufacturing business loan?
Are interest rates for secured business loans fixed or variable?
How can I find the best secured loan lender for my manufacturing business?

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1FleximizeFleximize offers both secured and unsecured business loans with competitive rates and flexible loan terms for UK SMEs, catering up to £500,000 loans.£10,000–£500,000; 41.1%–41.1% APR; 12 to 60 months
2BarclaysBarclays provides comprehensive business loan solutions with options for both fixed and variable rates, serving various industries including manufacturing.£1,000–£10,000,000; 11.2%–14.9% APR; 6 to 120 months
3Lloyds BankLloyds Bank offers business loans that are tailored to support UK SMEs, with competitive rates and a variety of terms to match business needs.£1,000–£5,000,000; 0%–0% APR; 12 to 96 months
4NatWestNatWest provides a range of business loans to support small and large businesses in the UK with transparent terms and flexible loan options.£5,000–£1,000,000; 11.3%–11.3% APR; 12 to 84 months
5BizcapBizcap offers fast and flexible secured business loans tailored to various industries, including manufacturing, with amounts up to £1,000,000.£30,000–£1,000,000; 0%–0% APR; 6 to 36 months
6White Oak UKWhite Oak UK supports SMEs with a variety of business finance options, including secured loans, to aid in growth and cash flow management.£30,000–£1,500,000; 0%–0% APR; 12 to 60 months
7Shawbrook BankShawbrook Bank offers business loans designed for SMEs looking for secured financing solutions to support their operational needs.£5,000–£2,000,000; 0%–0% APR; 3 to 60 months
8Portman FinancePortman Finance provides secured business loans tailored for SMEs, focusing on offering quick and flexible financial products.£5,000–£500,000; 0%–0% APR; 12 to 60 months
9CapalonaCapalona offers a wide range of business loan solutions, including secured loans, to help UK SMEs in various industry sectors.£5,000–£2,000,000; 6%–15% APR; 6 to 120 months
10IwocaIwoca provides business financing solutions with a focus on flexibility and speed for small businesses in the UK, including loans for manufacturers.£1,000–£200,000; 0%–0% APR; 1 to 12 months
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