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

Discover the best secured business loan lenders specialising in the real estate sector. Compare rates, terms, and find the right finance solution for your property business.
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Best Secured Business Loan Lenders for the Real Estate Industry
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

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. Swoop Funding

Swoop Funding focuses on tailored financial solutions including loans, equity finance, and grants for UK businesses. It is suited for franchise buyers and SMEs seeking versatile funding options with varied terms. Their offerings balance flexibility with a range of collateral and repayment types.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 3.9%
  • Max APR: 12%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Unsecured Business Loans, Equity Finance
  • Industries: Real Estate, E-commerce, Healthcare

Pros

  • Tailored funding solutions
  • Wide range of financial products
  • Fast application process

Cons

  • Interest rates vary significantly
  • Collateral required for secured loans

Sources: Source

2. NatWest

NatWest offers a broad range of business loans, overdrafts, and credit products for UK SMEs. It is suitable for franchise buyers and small to medium businesses needing flexible options. The provider offers variable collateral requirements and repayment plans to match borrower needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000,000
  • Min APR: 10%
  • Max APR: 15%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Business Loans, Overdrafts, Credit Cards
  • Industries: Real Estate, Retail, Hospitality

Pros

  • Comprehensive loan offerings
  • Strong SME focus
  • Flexible repayment options

Cons

  • Higher APR for small loans
  • Strict eligibility criteria

Sources: Source

3. Barclays

Barclays provides a broad suite of financial products, including secured loans, aimed at UK SMEs. It is suited for franchise and property buyers requiring secured finance. Barclays combines flexible loan terms with established underwriting and collateral criteria.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £5,000,000
  • Min APR: 11.2%
  • Max APR: 34.5%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Overdrafts, Asset Finance
  • Industries: Real Estate, Technology, Construction

Pros

  • Strong brand reputation
  • Comprehensive service range
  • Flexible loan terms

Cons

  • Higher APR for smaller loans
  • Lengthy approval process

Sources: Source

4. Portman Finance Group

Portman Finance Group offers SME commercial funding, including secured and unsecured loans with a range of repayment options. It suits borrowers who prefer streamlined applications and brokered access. Security arrangements and flexibility vary by product and borrowing purpose.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 6 years ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Asset Finance, Hire Purchase
  • Industries: Real Estate, Retail, Manufacturing

Pros

  • Strong SME focus
  • Diverse product range
  • Simple online application

Cons

  • APR details not disclosed
  • Potential broker involvement

Sources: Source

5. OakNorth Bank

OakNorth Bank specialises in lending to growth-oriented SMEs in multiple sectors with flexible lending and savings products. Its solutions fit franchise operators and businesses seeking adaptable terms and bespoke funding structures. Collateral requirements and loan terms vary per case.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Business Loans, Real Estate Finance, Commercial Mortgages
  • Industries: Real Estate, Healthcare, Hospitality

Pros

  • Focus on high-growth businesses
  • Flexible terms
  • Sector-specific expertise

Cons

  • High minimum loan amount
  • Limited APR information available

Sources: Source

6. Shawbrook Bank

Shawbrook Bank offers secured and unsecured business loans tailor-made for SMEs, with a strong focus on lending and banking solutions. It is appropriate for franchise operators and small businesses prioritising fixed rates and no early repayment fees after initial periods. The provider balances competitive terms with a selective product range.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £350,000
  • Min APR: 14.1%
  • Max APR: 14.1%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans, Secured Business Loans
  • Industries: Real Estate, Retail, Property Development

Pros

  • Competitive fixed rates
  • No early settlement fees after 12 months

Cons

  • Higher APR for smaller loans
  • Limited product offerings

Sources: Source

7. Fleximize

Fleximize provides flexible business loans up to £500k tailored to SME needs. It is suited for franchise owners and small businesses looking for adaptable terms with no early repayment fees. Their approach emphasises speed and customised repayment plans.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Tailored according to need ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Unsecured Business Loans
  • Industries: Real Estate, Retail, Manufacturing

Pros

  • Flexible terms
  • No early repayment fees
  • Loyalty pledge for returning customers

Cons

  • Higher rates for riskier profiles
  • Application typically reviewed on a case-by-case basis

Sources: Source

8. Tide

Tide delivers business banking and small business loans with an emphasis on speed and simplicity. It suits franchise and start-up SMEs seeking hassle-free, mainly app-driven solutions. Collateral and loan flexibility depend on individual circumstances.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £20,000,000
  • Min APR: 5.7%
  • Max APR: 12.9%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Credit Facilities
  • Industries: Real Estate, Tech Start-Ups, Small Enterprises

Pros

  • Fast approval process
  • Large maximum loan size

Cons

  • Variable APR
  • Primarily app-based service

Sources: Source

9. Together Money

Together Money specialises in secured loans for real estate and business investments, offering diverse financial products. It is ideal for franchises and businesses needing property-backed finance with flexible terms. Loan structures and security requirements are designed to suit complex real estate needs.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 7.9%
  • Max APR: 7.9%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Investment Finance
  • Industries: Real Estate, Investments, Retail

Pros

  • Specialist in secured loans
  • Flexible terms

Cons

  • Limited information available online

Sources: Source

10. Capalona

Capalona acts as a broker offering business loans with comparison tools for tailored borrowing. Suitable for franchises and SMEs seeking the best lending match, it provides access to various lenders and flexible options. Terms and collateral depend on individual lender criteria.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Unsecured Business Loans
  • Industries: Real Estate, Professional Services, Small Business

Pros

  • Easy comparison tools
  • Wide range of financiers

Cons

  • As a broker, not all loans direct
  • Varying rates based on lender

Sources: Source

How to choose

When selecting the best secured business loan lenders for the real estate industry, focus on lenders that offer clear terms on loan-to-value ratios and collateral requirements. Evaluate the flexibility of repayment options and the speed of approval to fit your project timelines. Consider whether the lender’s expertise aligns with property and franchise financing. Check if brokered access is involved, which may affect application speed and options. Balance your budget by matching loan size and APR to your cash flow. Always review fees, eligibility, and early repayment policies before committing.

Conclusion

Choosing the right lender depends on your finance purpose and preferences. Bank lenders suit those prioritising stable, regulated services with clear criteria. Brokers offer wider access to multiple financiers, useful for tailored loan matching. Specialist lenders can provide niche expertise and flexible terms but may have stricter security or loan criteria. Always verify current costs and terms with individual lenders. Confirm details directly with the Funding Agent before applying to secure a 200 thousand pounds loan or other business finance.

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FAQs

What is a secured business loan?
Why should real estate businesses choose secured loans?
How do I qualify for a secured business loan in the real estate industry?
Who are the best secured business loan lenders for real estate?
What are common loan terms for secured business loans in real estate?
Are there any risks associated with secured business loans?

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1Swoop FundingSwoop Funding provides tailored funding solutions across loans, equity finance, and grants, helping UK businesses grow.£1,000–£1,000,000; 3.9%–12% APR; 1 to 10 years
2NatWestNatWest offers a range of business loans, overdrafts, and credit products tailored for UK SMEs with flexible terms.£1,000–£10,000,000; 10%–15% APR; 1 to 5 years
3BarclaysBarclays provides a wide range of financial products, including secured loans, tailored to the needs of UK businesses.£25,000–£5,000,000; 11.2%–34.5% APR; 12 to 60 months
4Portman Finance GroupPortman Finance Group offers commercial funding options for SMEs, including secured and unsecured business loans.£10,000–£2,000,000; 0%–0% APR; Up to 6 years
5OakNorth BankOakNorth Bank specializes in lending to growth SMEs in various sectors, providing flexible business loans and savings options.£1,000,000–£0; 0%–0% APR; Flexible
6Shawbrook BankShawbrook offers strong lending and banking solutions tailored for SMEs looking for secured and unsecured business loans.£25,000–£350,000; 14.1%–14.1% APR; 1 to 5 years
7FleximizeFleximize provides flexible, up to £500k business loans for SMEs with unique features like no early repayment fees.£25,000–£500,000; 0%–0% APR; Tailored according to need
8TideTide offers business banking solutions alongside small business loans, emphasizing swift, hassle-free processes.£1,000–£20,000,000; 5.7%–12.9% APR; 1 to 10 years
9Together MoneyTogether Money focuses on secured loans for real estate and other business needs, offering a wide range of financial products.£0–£0; 7.9%–7.9% APR; Flexible
10CapalonaCapalona offers business loans with comparisons to help businesses find the best match for their financial needs.£5,000–£2,000,000; 6%–15% APR; 1 to 5 years
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