April 7, 2026
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Best Secured Business Loan Lenders for the Travel and Tourism Industry

Discover the best secured business loan lenders tailored for the travel and tourism industry. Get competitive rates and flexible terms to grow your business with ease.
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Best Secured Business Loan Lenders for the Travel and Tourism Industry
Jesse Spence
Finance content writer / Market researcher

Jesse Spence is a Funding Research and Content Lead at Funding Agent with 4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business owners, not only, improve approval chances and choose the right type of finance but also find the right funding providers for their needs.

Best Secured Business Loan Lenders for the Travel and Tourism Industry

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 2026-03-31.

1. Funding Agent

Funding Agent provides a platform to compare multiple UK SME lending options quickly. It typically suits franchise buyers and SMEs seeking working capital with a streamlined application process. The service offers access to a range of unsecured loans with flexible term structures and clear eligibility criteria.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Unsecured business loans, MCA Loans, Working capital
  • Industries: UK SME's

Pros

  • fastest and easiest application process
  • No collateral required

Cons

  • lower track record, only trading 1 year

Sources: Funding Agent

2. HSBC UK

HSBC UK focuses on traditional bank lending with secured and unsecured products for SMEs. It is well suited to franchise buyers and established businesses seeking loans backed by assets or unsecured financing. HSBC offers competitive rates with term flexibility and options catering to various industries, including tourism.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £300,000
  • Min APR: 7.5%
  • Max APR: 11.3%
  • Loan Duration: 12 months to 10 years ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Hospitality, Retail, Tourism, Manufacturing

Pros

  • Reputable global bank
  • Competitive interest rates

Cons

  • High borrowing requirement for secured loans
  • Limited term flexibility for smaller loans

Sources: Source Source

3. Lloyds Bank

Lloyds Bank offers bank business loans with both secured and unsecured options. It suits SMEs in tourism and hospitality needing flexible repayment terms and potentially larger loan sizes. Lloyds provides tailored lending products with a focus on industry-specific requirements and loan flexibility.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £2,000,000
  • Min APR: 7.5%
  • Max APR: 18.9%
  • Loan Duration: 12 months to 5 years ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Tourism, Hospitality, Retail

Pros

  • High loan amounts available
  • Flexible lending terms

Cons

  • Higher APR for smaller loans
  • Stringent eligibility criteria

Sources: Source Source

4. Nucleus Commercial Finance

Nucleus Commercial Finance specialises in flexible secured and unsecured lending focused on SMEs. It typically serves franchise buyers and businesses needing tailored loan solutions with a mix of loan durations and credit structures. The provider emphasizes quick processing and customer support with options covering a broad range of loan uses.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £2,000,000
  • Min APR: 7.5%
  • Max APR: 19%
  • Loan Duration: 1 to 20 years ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Tourism, Retail, Healthcare

Pros

  • Quick loan assessment
  • Wide range of loan products

Cons

  • Higher APR for unsecured loans
  • Shorter terms for unsecured options

Sources: Source Source

5. iwoca

iwoca focuses on short-term business loans for SMEs, offering quick access to funding. It suits businesses requiring fast working capital without collateral. Loan products are designed for flexibility in repayment over shorter periods, catering well to seasonal or temporary finance needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 5%
  • Max APR: 20%
  • Loan Duration: 1 day to 24 months ⌛

Services & Industries

  • Finance Types: Short-term loans
  • Industries: Retail, Hospitality, Tourism

Pros

  • Fast application process
  • No early repayment fees

Cons

  • Higher interest rates
  • Limited to short-term loans

Sources: Source Source

6. FOLK2FOLK

FOLK2FOLK offers secured lending primarily to rural and regional businesses in the UK. It is suitable for property-secured loans focused on agriculture and tourism sectors. Loan terms often include property-backed security and may feature interest-only repayment options.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £10,000,000
  • Min APR: 5.5%
  • Max APR: 9%
  • Loan Duration: 6 months to 5 years ⌛

Services & Industries

  • Finance Types: Secured loans
  • Industries: Agriculture, Property, Tourism

Pros

  • Property-backed lending
  • Focus on regional businesses

Cons

  • High minimum loan amount
  • Interest-only repayment options

Sources: Source Source

7. Portman Finance Group

Portman Finance Group provides both secured and unsecured loans with emphasis on fast approvals. It is suited for SMEs in tourism and hospitality requiring flexible loan terms and rapid funding. The provider offers a range of lending options that accommodate different security and repayment preferences.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 14.9%
  • Loan Duration: 3 months to 6 years ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Hospitality, Retail, Tourism

Pros

  • Rapid funding availability
  • Flexible loan structures

Cons

  • Eligibility criteria may be restrictive
  • Potentially high APR for smaller loans

Sources: Source Source

8. Bizcap

Bizcap offers business funding solutions serving multiple industries with secured and unsecured loans. It is suitable for SMEs needing quick access to funding with flexible repayment plans. The platform provides straightforward loan options, ideal for businesses requiring rapid turnaround without complex eligibility requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 to 12 months ⌛

Services & Industries

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

Pros

  • Fast processing time
  • Flexibility in repayments

Cons

  • Shorter loan terms
  • Unknown APR range

Sources: Source Source

9. Barclays

Barclays provides a full suite of business loans with an emphasis on secured financing for SMEs and larger businesses. It suits companies seeking flexible term lengths and a range of repayment options. Barclays offers products tailored to industry-specific needs, including retail and tourism sectors.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £5,000,000
  • Min APR: 5.9%
  • Max APR: 29.9%
  • Loan Duration: 12 months to 10 years ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Retail, Tourism, Real Estate

Pros

  • Wide range of loan options
  • Long terms available

Cons

  • Complex application process
  • Higher rates for riskier loans

Sources: Source Source

10. NatWest

NatWest provides tailored secured and unsecured loans geared towards SMEs in tourism, retail, and construction. The lender is suitable for businesses requiring competitive rates with a variety of repayment options. NatWest combines loan flexibility with additional support services to assist business growth.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 5.5%
  • Max APR: 18.9%
  • Loan Duration: 12 months to 7 years ⌛

Services & Industries

  • Finance Types: Secured loans, Unsecured loans
  • Industries: Tourism, Retail, Construction

Pros

  • Competitive rate options
  • Wide range of support services

Cons

  • Strict lending criteria
  • Longer decision times

Sources: Source Source

How to choose

When selecting the best secured business loan lenders for the travel and tourism industry, consider loan size, security requirements, and repayment flexibility. Evaluate eligibility criteria and how well the lender understands the seasonality of your business cash flow. Speed of approval may be crucial if rapid funding is needed, but balance this against long-term loan terms. Investigate whether collateral or guarantees are required and how they impact loan amounts. Compare fees and any early repayment penalties to avoid surprises. Ultimately, choose a lender aligned with your specific business needs and financial situation.

Conclusion

Selecting the right lender depends on your funding purpose and business type. Banks generally suit borrowers seeking longer terms and established credit profiles, while brokers can provide access to a wider variety of specialist lenders. Specialists often cater to complex or niche situations with tailored loan options. For those looking for quick comparisons across multiple providers, Funding Agent remains a solid starting point. When considering loans around 200 thousand pounds, always confirm current terms directly with the lender for accuracy.

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FAQs

What is a secured business loan for the travel and tourism industry?
Which lenders offer the best secured business loans for travel businesses?
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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2HSBC UKHSBC UK offers a wide range of business finance solutions, including secured and unsecured business loans tailored for SMEs in the tourism and various other sectors.£1,000–£300,000; 7.5%–11.3% APR; 12 months to 10 years
3Lloyds BankLloyds Bank provides comprehensive business loan solutions including both secured and unsecured options, suitable for various industries including tourism and hospitality.£1,000–£2,000,000; 7.5%–18.9% APR; 12 months to 5 years
4Nucleus Commercial FinanceNucleus Commercial Finance offers flexible secured and unsecured business loans designed for SMEs, with an emphasis on speed and customer service.£3,000–£2,000,000; 7.5%–19% APR; 1 to 20 years
5iwocaIwoca specializes in offering short-term business loans up to £1 million.£1,000–£1,000,000; 5%–20% APR; 1 day to 24 months
6FOLK2FOLKFOLK2FOLK offers secured loans to rural and regional businesses in the UK.£100,000–£10,000,000; 5.5%–9% APR; 6 months to 5 years
7Portman Finance GroupPortman Finance Group provides secured and unsecured loans with fast approval times.£10,000–£2,000,000; 6.9%–14.9% APR; 3 months to 6 years
8BizcapBizcap offers flexible business funding solutions with quick turnaround, serving various industries with both secured and unsecured loans.£5,000–£1,000,000; 0%–0% APR; 3 to 12 months
9BarclaysBarclays provides a full suite of business loans including secured options, suitable for SMEs and larger enterprises.£1,000–£5,000,000; 5.9%–29.9% APR; 12 months to 10 years
10NatWestNatWest supports UK businesses with tailored finance solutions, including competitive secured loans for SMEs seeking growth opportunities.£1,000–£1,000,000; 5.5%–18.9% APR; 12 months to 7 years
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