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Typical Rate
From 5% p.a.
Typical Term
2-7 years
Min Annual Turnover
£150,000+
Security
Unsecured up to £250k; property or asset security can unlock lower rates
About £400,000 business loans
A £400,000 business loan sits in the mid-market sweet spot where both unsecured and secured options are available. At this level, specialist lenders often compete aggressively on rate, so using a broker like Spark Finance to compare the market can save you thousands over the term. We match you to lenders based on your sector, trading history and growth plans.
Common uses for a £400,000 loan
- Commercial property deposit or lease premium
- Multi-vehicle or equipment fleet purchase
- Acquiring a competitor or book of business
- Large refurbishment or fit-out projects
- Refinancing existing debt at a lower rate
Frequently asked questions
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