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 offers a range of secured and unsecured business loans targeting various business needs. Their products typically suit franchise buyers and SMEs requiring flexible repayment schedules. They provide options with varied collateral requirements and repayment structures, balancing security and flexibility.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 11.2%
- Max APR: 0%
- Loan Duration: 1 to 25 years ⌛
Services & Industries
- Finance Types: Secured business loans, Unsecured business loans, Business mortgages
- Industries: General business environments
Pros
- Flexible terms
- No early repayment fees
Cons
- Could have high APR for small amounts
Close Brothers focuses on asset-based lending products including hire purchase and finance leases. These are generally suitable for businesses requiring asset finance or refinance options secured against equipment. Products often emphasise flexible repayment plans matched to industry needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 6%
- Max APR: 0%
- Loan Duration: 3 months to 10 years ⌛
Services & Industries
- Finance Types: Asset finance, Hire purchase, Refinance, Finance lease
- Industries: Agriculture, Construction, Energy, Manufacturing, Transport
Pros
- Flexible finance options
- Support for multiple industries
Fleximize specialises in secured business loans with competitive rates aimed at SMEs across the UK. Their loans suit businesses needing quick access to funds with tailored terms and flexible repayment options. The focus is on transparent offerings with an efficient funding process.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 10%
- Max APR: 0%
- Loan Duration: 3 months to 5 years ⌛
Services & Industries
- Finance Types: Secured business loans, Unsecured business loans
- Industries: SMEs in various sectors
Pros
- Fast funding process
- Tailored rates
Cons
- APR can vary significantly
Shawbrook Bank provides specialist secured loans primarily for property development. These loans are typically suited to developers and SMEs needing structured financing secured on property assets. Their offerings focus on tailored repayment terms with structured security considerations.
Loan Details
- Min Amount: £25,000
- Max Amount: £350,000
- Min APR: 14.1%
- Max APR: 0%
- Loan Duration: 1 to 5 years ⌛
Services & Industries
- Finance Types: Unsecured business loans, Secured loans
- Industries: Property development, General business
Pros
- Specialist in property development
- Enhanced unsecured loan facilities
Lloyds Bank offers a variety of secured and unsecured business loans for diverse UK industries. These loans are appropriate for franchise buyers and SMEs aiming to invest or expand. The bank provides established services balancing loan options with predictable repayment structures.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 11.2%
- Max APR: 0%
- Loan Duration: 1 to 25 years ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: Various UK industries
Pros
- Established reputation
- Diverse financial solutions
Cons
- Limited loan amount for SMEs
NatWest offers varied business loans suitable for small to medium enterprises. Their loan products typically provide flexibility in terms, with options for secured and unsecured finance. NatWest loans cater to businesses requiring adaptable borrowing with competitive rates.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 10%
- Max APR: 15%
- Loan Duration: 1 to 7 years ⌛
Services & Industries
- Finance Types: Small business loans, Secured loans, Unsecured loans
- Industries: SMEs across various sectors
Pros
- Fast and flexible borrowing
- Variety of loan options
Cons
- Higher rates for larger loans
Aldermore Bank delivers flexible finance solutions designed to help business growth across many sectors. Their offerings suit SMEs seeking varied security options and tailored repayment plans. The bank supports different loan structures, focusing on adaptability and tailored services.
Loan Details
- Min Amount: £25,000
- Max Amount: £2,000,000
- Min APR: 5.5%
- Max APR: 0%
- Loan Duration: 3 months to 6 years ⌛
Services & Industries
- Finance Types: Secured loans, Asset finance, Growth finance
- Industries: SMEs in all sectors
Pros
- Tailored financing solutions
- Wide range of finance options
Cons
- Requirements for asset security
HSBC UK offers a broad selection of business loans including secured loans highlighting property development projects. Their loan products are suited to businesses needing scalable finance with varied security options. The bank focuses on combining global resources with flexible product structures.
Loan Details
- Min Amount: £1,000
- Max Amount: £150,000
- Min APR: 7.3%
- Max APR: 20%
- Loan Duration: 1 to 10 years ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans, Asset finance
- Industries: Property development, Various sectors
Pros
- Global banking network
- Diverse loan products
Cons
- Strict eligibility criteria
9. Santander UK
Santander UK provides business loans focused on competitive rates for SMEs and property developers. Their loan solutions are designed to support growth with secured and unsecured options. Emphasis is placed on flexible lending that matches various business development needs.
Loan Details
- Min Amount: £15,000
- Max Amount: £500,000
- Min APR: 8%
- Max APR: 0%
- Loan Duration: 6 months to 5 years ⌛
Services & Industries
- Finance Types: Secured business loans, Unsecured loans
- Industries: Property development, SMEs
Pros
- Competitive rates
- Support for SMEs
Cons
- Higher fees for smaller loans
Metro Bank offers flexible loans with a focus on customer service and tailored financial products for SMEs. These loans typically suit businesses requiring adaptable repayment terms and accessible service. The emphasis is on user experience combined with competitive lending solutions.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 9.5%
- Max APR: 0%
- Loan Duration: 1 to 5 years ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans
- Industries: SMEs, Property developers
Pros
- Good customer service
- Flexible terms
How to choose
When selecting secured business loan lenders for the property development sector, start by assessing your project size and funding needs. Consider lenders offering flexible collateral options and repayment structures that align with your development timeline. Speed of funding can be crucial, but balance this with loan terms and eligibility criteria. Review lender experience in property finance and their typical loan-to-value bands. Consulting with brokers may provide broader access to specialised lenders. Always verify fees and repayment flexibility before committing.
Conclusion
Matching the right lender depends on your financial needs and business profile. Traditional banks often suit established businesses seeking reliable, structured loans. Brokers can offer access to a wider range of options, including specialist lenders who focus on niche sectors like property development. Align your choice with your loan purpose, whether it’s growth, refinance, or working capital. Always confirm up-to-date terms directly with the lender or through your preferred Funding Agent before proceeding with applications.
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