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

Discover the best secured business loan lenders tailored for the wholesale industry in the UK. Find competitive rates, flexible terms, and expert advice to grow your wholesale business today.
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Best Secured Business Loan Lenders for the Wholesale 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.

Best Secured Business Loan Lenders for the Wholesale 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 focuses on connecting UK SMEs with a variety of finance options through a straightforward application process. It is suitable for businesses seeking quick comparisons for loans without necessarily providing collateral. Offers include flexible terms and eligibility matching to support different business needs.

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. Novuna

Novuna offers a range of secured and short-term loan products designed to support cash flow and growth across various sectors. It is suitable for wholesale businesses and SMEs requiring flexible terms and tailored financing. Their services typically include options with collateral and varying repayment structures to match borrower needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 5.5%
  • Max APR: 18.5%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Short-term Loans
  • Industries: Wholesale, Manufacturing, Service

Pros

  • Fast approval and fund processing
  • Flexible terms

Cons

  • Higher interest for high-risk clients

Sources: Source

3. Millbrook

Millbrook provides secured loan and asset finance solutions, focusing on business growth and asset purchase. It is suited for wholesale and manufacturing firms needing medium to long-term repayments and collateral-backed lending. Their offerings include flexible terms with an emphasis on tailored lending arrangements.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £2,000,000
  • Min APR: 4.9%
  • Max APR: 17.9%
  • Loan Duration: 12 to 84 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Asset Finance
  • Industries: Manufacturing, Wholesale, Technology

Pros

  • Competitive interest rates
  • Longer repayment terms available

Cons

  • Collateral required

Sources: Source

4. Capify

Capify specialises in providing secured loans with fast processing for a variety of business needs. It is appropriate for SMEs aiming for short to medium-term capital with flexible repayment schedules. Their secured financing includes options suited for wholesale and service industries with emphasis on quick access to funds.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 6%
  • Max APR: 26.9%
  • Loan Duration: 3 to 48 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Short-term Loans
  • Industries: Retail, Wholesale, Service

Pros

  • Rapid fund release
  • No hidden fees

Cons

  • Shorter maximum repayment period

Sources: Source

5. Fleximize

Fleximize delivers flexible financing products including secured and unsecured loans tailored to different industries. Its offerings suit wholesale and construction businesses requiring adaptable funding with various repayment plans. Fleximize emphasises client service and flexible lending structures without strict collateral constraints.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 7.5%
  • Max APR: 20%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Wholesale, Service, Construction

Pros

  • Flexible funding solutions
  • Strong customer service

Cons

  • Higher minimum loan amounts

Sources: Source

6. Aurora Capital

Aurora Capital focuses on secured lending and bridging loans for SMEs, providing rapid financing decisions. It is suited for wholesale, property, and retail sectors seeking competitive secured loan options. The provider offers various security and repayment configurations suited to medium to large financing requirements.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 21.5%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Bridging Loans
  • Industries: Wholesale, Property, Retail

Pros

  • Large loan amounts available
  • Fast funding decisions

Cons

  • Higher APR for lower tier borrowers

Sources: Source

7. Nucleus Commercial Finance

Nucleus Commercial Finance offers tailored secured loans, invoice finance, and asset-backed lending. It is appropriate for wholesale, manufacturing, and healthcare sectors looking for flexible financing with bespoke collateral terms. The provider offers variable loan structures aimed at meeting diverse business funding requirements.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £5,000,000
  • Min APR: 5%
  • Max APR: 15%
  • Loan Duration: 12 to 84 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Invoice Finance
  • Industries: Wholesale, Manufacturing, Healthcare

Pros

  • Tailored solutions
  • Competitive rates

Cons

  • Complex application process

Sources: Source

8. Iwoca

Iwoca specialises in short-term unsecured loans with flexible repayment options, also offering secured alternatives. It is suitable for small wholesale and retail businesses requiring working capital with fast access to funds. Their approach emphasises ease of application and adaptable loan structures to support operational needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 9%
  • Max APR: 30%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Working Capital Loans
  • Industries: Wholesale, Retail, Technology

Pros

  • Quick access to funds
  • Flexible repayment

Cons

  • Higher APRs compared to traditional banks

Sources: Source

9. SME Loans

SME Loans provides both secured and unsecured lending options designed for a wide range of SME requirements. It is suitable for wholesale, retail, and hospitality sectors looking for quick and flexible funding solutions. Their products generally offer variable terms, collateral options, and accessible application processes.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 8.5%
  • Max APR: 25%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Wholesale, Retail, Hospitality

Pros

  • Quick application process
  • Wide range of finance options

Cons

  • Potentially high APRs for less established businesses

Sources: Source

10. Close Brothers Business Finance

Close Brothers Business Finance provides secured loans and asset finance aimed at UK businesses requiring long-term funding. It is suited for wholesale and construction sectors needing stable, asset-backed financial solutions. Their offerings focus on low interest rates and structured repayment plans with established collateral requirements.

Loan Details

  • Min Amount: £30,000
  • Max Amount: £5,000,000
  • Min APR: 4%
  • Max APR: 12.5%
  • Loan Duration: 12 to 120 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Asset Finance
  • Industries: Wholesale, Construction, Transport

Pros

  • Low interest rates
  • Long-term financing options

Cons

  • Stringent application requirements

Sources: Source

How to choose

Choosing the best secured business loan lender for the wholesale industry involves matching loan amounts and APRs to your financial capacity. Consider each provider’s eligibility criteria, repayment flexibility, and whether security or collateral is required. Assess how the loan term aligns with your business cash flow and seasonal variations. Prioritise lenders offering clear terms and transparent fees. Speed of approval and fund release may vary, so balance urgency against loan structure. Always review early repayment options and potential charges before committing.

Conclusion

Matching your business needs with the appropriate lender depends on your loan purpose and amount. Bank lenders often serve established companies with asset-backed loans while brokers and specialists may offer quicker access and more flexible options. For wholesale businesses seeking up to 200 thousand pounds loan, Funding Agent is a useful resource for comparing multiple options efficiently. Larger or more complex financing needs may require specialist providers with tailored products. Review terms thoroughly to ensure alignment with your operational requirements.

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FAQs

What is a secured business loan?
Why are secured loans suitable for wholesale businesses?
What types of assets can be used as security for business loans?
How do I qualify for a secured business loan as a wholesaler?
What are the risks of secured business loans?
Where can I find the best secured loan lenders for the wholesale industry in the UK?

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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
2NovunaNovuna is a prominent UK business finance company offering tailored loan solutions to support cash flow and growth, renowned for its flexible funding options.£10,000–£1,000,000; 5.5%–18.5% APR; 6 to 60 months
3MillbrookMillbrook Business Finance offers comprehensive finance solutions across the UK, specializing in secured loans for businesses aiming for steady growth and asset acquisition.£20,000–£2,000,000; 4.9%–17.9% APR; 12 to 84 months
4CapifyCapify provides quick and flexible secured business loans, helping UK SMEs with financing needs ranging from short-term capital to large-scale expansion funding.£5,000–£1,000,000; 6%–26.9% APR; 3 to 48 months
5FleximizeFleximize is a business lender offering flexible financing options to UK businesses, including both secured and unsecured loans tailored to specific industry needs.£10,000–£500,000; 7.5%–20% APR; 12 to 60 months
6Aurora CapitalAurora Capital offers a range of secured business loans in the UK, focusing on providing financial solutions quickly to SMEs with competitive terms and expert advice.£50,000–£2,000,000; 6.9%–21.5% APR; 6 to 60 months
7Nucleus Commercial FinanceNucleus Commercial Finance delivers tailored financial solutions across the UK market with a focus on secured loans, asset-backed lending, and invoice finance.£25,000–£5,000,000; 5%–15% APR; 12 to 84 months
8IwocaIwoca specializes in providing small businesses with flexible, short-term unsecured loans, including secured options, to facilitate business growth and operational efficiency.£1,000–£500,000; 9%–30% APR; 1 to 24 months
9SME LoansSME Loans provides fast, efficient, and flexible finance solutions to UK SMEs, specializing in both secured and unsecured lending to meet diverse business needs.£5,000–£500,000; 8.5%–25% APR; 6 to 60 months
10Close Brothers Business FinanceClose Brothers Business Finance offers comprehensive secured loan packages tailored to UK businesses, known for their expertise in asset-based lending solutions.£30,000–£5,000,000; 4%–12.5% APR; 12 to 120 months
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