April 7, 2026
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Best Secured Business Loan Lenders for the Storage and Warehousing Industry

Discover the best secured business loan lenders for the storage and warehousing industry in the UK. Compare rates, terms, and find the right financing for your business growth.
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Best Secured Business Loan Lenders for the Storage and Warehousing 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. White Oak

White Oak is a UK lender focusing on secured business finance solutions. It is suitable for SMEs seeking a balance of speed and flexibility with predictable terms. The lender offers options that involve collateral and tailored repayment types to fit business needs.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 7.5%
  • Max APR: 18.9%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Equipment Leasing
  • Industries: General SME support

Pros

  • Fast decision process
  • High loan amounts

Cons

  • High APR for some borrowers

Sources: Source

2. Shawbrook Bank

Shawbrook Bank specialises in structured lending products for SMEs across the UK, including secured and unsecured options. It typically suits businesses needing flexible loan terms with clear eligibility guidance. Security requirements and repayment options reflect the product type selected.

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 Loans, Secured Loans
  • Industries: Retail, Construction

Pros

  • Flexible loan options
  • No early repayment fees

Cons

  • Higher APRs for unsecured loans

Sources: Source

3. Time Finance

Time Finance offers secured financing tailored to UK businesses with an emphasis on flexibility and bespoke funding solutions. It is typically suitable for companies seeking structured repayment terms secured against assets. The lending process incorporates assessment of individual business circumstances.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 5 years ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Commercial Loans
  • Industries: SMEs

Pros

  • Customized loan solutions
  • Support for existing businesses

Cons

  • Limited public APR data

Sources: Source

4. Fleximize

Fleximize provides tailored loan products for SMEs, focusing on growth and established businesses across the UK. Its offerings include secured and unsecured options that allow flexible repayment terms. This lender is suitable for borrowers prioritising adaptable finance solutions with clear structures.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £500,000
  • Min APR: 10%
  • Max APR: 0%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Unsecured Business Loans
  • Industries: General SME support

Pros

  • No early repayment fees
  • Flexible repayment terms

Cons

  • Higher starting APR for some loans

Sources: Source

5. Barclays Bank

Barclays Bank is a major UK bank offering a broad range of secured business loans tailored to SMEs. Its loans are suitable for those needing customizable terms and competitive rates backed by collateral. The lender emphasises flexibility and established banking criteria in its process.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 11.2%
  • Max APR: 21.1%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Secured Business Loans
  • Industries: General SME support

Pros

  • Flexible loan options
  • No early repayment fees

Cons

  • APR can vary significantly

Sources: Source

6. Reality Finance

Reality Finance focuses on asset finance and business loans for SMEs, supporting equipment acquisition. It is appropriate for businesses requiring tailored asset-backed solutions with flexible repayment terms. Security is a key element in their lending approach.

Loan Details

  • Min Amount: £0
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Secured Loans
  • Industries: Manufacturing, Professional Services

Pros

  • Tailored asset financing
  • Broad range of industries covered

Cons

  • APR details not disclosed

Sources: Source

7. Clifton Asset Management

Clifton Asset Management provides diverse asset-based business loans for UK SMEs aiming for growth. Its products are suited to companies needing high loan limits with options for secured lending. Loan duration and collateral requirements accommodate various development phases.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £2,500,000
  • Min APR: 10%
  • Max APR: 20%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Asset Finance
  • Industries: Manufacturing, Construction

Pros

  • High loan maximum
  • Long loan durations available

Cons

  • Difficult application process

Sources: Source

8. Together Money

Together Money is a financial group offering secured loans for SMEs across the UK, tailored through unique financing structures. It suits businesses looking for flexible security options with potential for substantial loan amounts. Repayment schedules and terms are designed to support SME growth.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Secured Business Loans
  • Industries: Property Development

Pros

  • Flexible security options
  • Large loan potential

Cons

  • APR not directly listed

Sources: Source

9. Funding Circle

Funding Circle operates a peer-to-peer lending platform for UK SMEs, providing both secured and unsecured loans. It is appropriate for borrowers prioritising fast approval and transparent processes. The platform offers flexible terms suitable for a variety of business needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 4.9%
  • Max APR: 27%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: Retail, Technology

Pros

  • Fast application process
  • Flexible terms

Cons

  • Higher APR for riskier borrowers

Sources: Source

10. Aldermore Bank

Aldermore Bank offers secured business loan solutions for SMEs, focusing on flexible financing and customer service. It suits businesses needing customizable loan terms and clear eligibility criteria. The lender serves sectors seeking reliable secured lending options.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 6.9%
  • Max APR: 24.9%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

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

Pros

  • Competitive rates
  • Good customer service

Cons

  • Application process can be lengthy

Sources: Source

How to choose

When selecting secured business loan lenders for the storage and warehousing industry, assess how loan size and APR align with your operational budget. Confirm eligibility requirements carefully as they can vary widely between providers. Consider the importance of speed versus flexibility in repayments and loan terms. Evaluate the collateral options offered, especially how security is handled and loan-to-value ranges. It is also essential to review early repayment terms and any associated fees. Ensure loan repayments fit your cash flow and seasonal fluctuations in the storage sector.

Conclusion

Choosing the right lender involves matching the provider type to your funding needs and business context. Bank lenders may offer stable and regulated loan options but could have stricter criteria and longer processing times. Brokers can provide access to a broader market of lenders and may offer more flexible solutions. Specialist lenders often focus on niche industries or asset-backed loans, offering tailored financing but possibly with different cost structures. Always verify current rates, terms, and criteria directly with the provider before applying to secure suitable funding for amounts such as a 200 thousand pounds loan. For transparent and efficient application processes, consider platforms like Funding Agent.

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FAQs

What is a secured business loan?
Why choose a secured loan for storage and warehousing businesses?
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What are the typical loan terms for secured business loans in this industry?
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1White OakWhite Oak is a UK-based non-bank lender offering fast and flexible business finance solutions including secured loans.£25,000–£2,000,000; 7.5%–18.9% APR; 12 to 60 months
2Shawbrook BankShawbrook Bank offers a range of structured financial solutions specifically designed for SMEs across the UK, including both secured and unsecured lending products.£25,000–£350,000; 14.1%–14.1% APR; 1 to 5 years
3Time FinanceTime Finance provides flexible funding solutions for UK businesses, offering secured loan options tailored to individual business needs and circumstances.£50,000–£500,000; 0%–0% APR; Up to 5 years
4FleximizeFleximize offers tailored business loans with a focus on high-growth and established SMEs, providing both secured and unsecured loan products to UK businesses.£25,000–£500,000; 10%–0% APR; 3 to 60 months
5Barclays BankBarclays provides a comprehensive range of secured business loans catering to SMEs, with customizable terms and competitive interest rates.£1,000–£25,000; 11.2%–21.1% APR; 1 to 10 years
6Reality FinanceReality Finance specializes in providing asset finance and business loans to help SMEs acquire the equipment they need for growth.£0–£500,000; 0%–0% APR; 6 to 60 months
7Clifton Asset ManagementClifton Asset Management offers a variety of financial products including asset-based business loans, aimed at SMEs in the UK seeking capital for growth and development.£50,000–£2,500,000; 10%–20% APR; 1 to 10 years
8Together MoneyTogether Money is a financial services group offering secured business loans tailored to the needs of SMEs across the UK, with unique financing structures.£50,000–£5,000,000; 0%–0% APR; 1 to 10 years
9Funding CircleFunding Circle is a peer-to-peer lending platform providing unsecured and secured loans to UK SMEs, known for its fast approval times and transparent process.£10,000–£500,000; 4.9%–27% APR; 6 to 60 months
10Aldermore BankAldermore Bank provides a variety of financial solutions including secured business loans designed for SMEs, with a focus on flexible financing sources and terms.£10,000–£1,000,000; 6.9%–24.9% APR; 1 to 5 years
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