April 14, 2026
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Best £800K Working Capital Loan Lenders

Discover the best £800K working capital loan lenders in the UK. Compare rates, terms, and eligibility to find the ideal funding solution for your business needs.
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Best £800K Working Capital Loan Lenders
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 £800K Working Capital Loan Lenders

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 2026-04-09.

1. Funding Agent

Funding Agent focuses on offering SMEs a streamlined way to compare various business finance options through a simple application process. It is suitable for UK franchises and SMEs seeking accessible working capital with predictable terms. The platform emphasises fast eligibility checks and flexible unsecured loans without requiring collateral.

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. Funding Circle

Funding Circle operates as a peer-to-peer lending platform connecting investors with SMEs seeking working capital. It is suited to UK franchise buyers and businesses looking for transparent loan options with flexible terms. The marketplace supports timely access to funds via direct investment, providing variety in repayment options and eligibility.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £750,000
  • Min APR: 7.5%
  • Max APR: 20%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Small Business Loans, Working Capital Loans
  • Industries: IT Services, Healthcare, Retail

Pros

  • Quick financing process
  • Flexible eligibility criteria

Cons

  • Higher rates for lower-credit borrowers

Sources: Source

3. Barclays

Barclays provides traditional bank business loans with flexible terms and competitive APRs. It is suitable for businesses requiring a broad range of financing, including longer repayment periods. The offering includes secured and unsecured options, with access influenced by borrower credit profile and collateral availability.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: 1 to 120 months ⌛

Services & Industries

  • Finance Types: Business Loans, Equipment Financing, Green Loans
  • Industries: Construction, Retail, Energy

Pros

  • Wide range of amounts available
  • Quick approval process
  • Multiple financing products

Cons

  • Limited to certain credit profiles

Sources: Source

4. White Oak UK

White Oak UK offers a diverse range of tailored finance products aimed at both short and long-term business needs. It fits SMEs looking for flexible working capital solutions and can handle larger loan amounts. Their loans often require detailed financial documentation and may involve various repayment structures.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 8%
  • Max APR: 18%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Business Loans, Invoice Financing, VAT Loans
  • Industries: Manufacturing, Professional Services, Retail

Pros

  • Large loan amounts
  • Quick funding timelines

Cons

  • Requires comprehensive financial info

Sources: Source

5. Century Business Finance

Century Business Finance emphasises fast and efficient lending solutions tailored for SMEs requiring either short or long-term funds. It suits businesses needing practical repayment options and reasonable loan sizes within traditional working capital scopes. Their products focus on accessibility and tailored terms to meet industry-specific needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 9%
  • Max APR: 23%
  • Loan Duration: 6 to 48 months ⌛

Services & Industries

  • Finance Types: Short Term Business Loans, Long Term Business Loans
  • Industries: Transport, Food Services, Retail

Pros

  • Fast application process
  • Flexible repayment options

Cons

  • Limited product offerings

Sources: Source

6. Tide

Tide provides accessible business loans designed to simplify funding for UK SMEs. It is suitable for companies requiring fast turnaround and streamlined digital processes. Tide focuses on quick decisions and flexible options without extensive paperwork or collateral requirements.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £20,000,000
  • Min APR: 10%
  • Max APR: 25%
  • Loan Duration: 6 to 36 months ⌛

Services & Industries

  • Finance Types: Short Term Loans, Startup Loans
  • Industries: Technology, Hospitality, Logistics

Pros

  • No lengthy forms
  • Quick decisions

Cons

  • High APR for lower amounts

Sources: Source

7. Love Finance

Love Finance specialises in straightforward unsecured lending geared towards SME expansion and working capital needs. It suits franchises and small businesses that prioritise fast approval and transparent charges. Their offerings focus on ease of access and responsive service without extensive collateral requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £750,000
  • Min APR: 7%
  • Max APR: 22%
  • Loan Duration: 12 to 36 months ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans, Asset Finance
  • Industries: Retail, Construction, Health Services

Pros

  • High speed of service
  • Transparent fee structure

Cons

  • Higher interest for riskier loans

Sources: Source

8. Novuna

Novuna provides bespoke financing solutions with emphasis on transparent repayment options to support cash flow for UK SMEs. It fits businesses seeking adaptable working capital with straightforward administrative processes. Novuna balances tailored terms with a focus on timely fund delivery and varied loan products.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 8.5%
  • Max APR: 19%
  • Loan Duration: 3 to 36 months ⌛

Services & Industries

  • Finance Types: Business Loans, Working Capital Loans
  • Industries: Hospitality, Manufacturing, Agriculture

Pros

  • Flexible repayment options
  • Speedy release of funds

Cons

  • Interest rates vary considerably

Sources: Source

9. First Business Finance

First Business Finance offers a variety of financing products that cater to UK businesses focused on growth and working capital needs. It fits those seeking personalised loan options often managed by dedicated account managers. Their process may be less digitally driven but allows for greater customisation of terms.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 48 months ⌛

Services & Industries

  • Finance Types: Business Loans, Commercial Mortgages
  • Industries: Retail, Manufacturing, Services

Pros

  • Customizable loan options
  • Dedicated account managers

Cons

  • Limited online application process

Sources: Source

10. Merchant Money

Merchant Money provides unsecured business loans designed for quick access to capital for UK SMEs. It suits those requiring flexible and straightforward loan options with clear fee structures. Their services emphasise fast approval and manageable loan durations primarily for working capital needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 10%
  • Max APR: 20%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Business Loans, Property Finance
  • Industries: Retail, Wholesale, Transportation

Pros

  • Quick funding approvals
  • No hidden fees

Cons

  • Shorter loan durations

Sources: Source

How to choose

When selecting the best £800K working capital loan lenders, consider your business size and funding needs alongside loan amount and APR. Verify eligibility criteria carefully, as they vary by lender and impact approval chances. Balance speed of access with flexibility in repayment terms to align with franchise cash flow cycles. Understand fees and any potential penalties for early repayment before committing. Seek lenders offering clear loan products suitable for working capital, and assess whether brokered or direct lending best fits your situation.

Conclusion

Choosing between bank lenders, brokers, and specialists depends on your particular financing needs and business profile. Banks may offer comprehensive products with variable criteria, while brokers provide access to multiple options and tailored advice. Specialist lenders often focus on niche products such as working capital or asset financing with quicker decisions but potentially higher costs. Funding Agent remains a useful tool for SMEs seeking broad comparisons in the 800 thousand pounds loan range. Always check current terms directly with providers to make informed decisions.

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FAQs

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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
2Funding CircleFunding Circle is a peer-to-peer lending marketplace that links direct investment with SMEs, helping them access quick capital.£5,000–£750,000; 7.5%–20% APR; 6 to 60 months
3BarclaysBarclays, a major UK bank, offers flexible business loans with competitive APRs and servicing fees, tailored to support a wide range of industries.£1,000–£100,000; 11.2%–14.9% APR; 1 to 120 months
4White Oak UKWhite Oak UK provides a wide range of tailored finance options, focusing on helping SMEs with both short-term and long-term financing needs.£5,000–£2,000,000; 8%–18% APR; 12 to 60 months
5Century Business FinanceCentury Business Finance specializes in quick, efficient financing solutions for small to medium enterprises in the UK, offering both short and long-term loans.£10,000–£250,000; 9%–23% APR; 6 to 48 months
6TideTide offers business loans to UK SMEs with a focus on fast, accessible finance solutions, streamlining traditional bank processes.£1,000–£20,000,000; 10%–25% APR; 6 to 36 months
7Love FinanceLove Finance provides fast, straightforward lending options tailored to SME growth and capital needs, renowned for their rapid approval system.£5,000–£750,000; 7%–22% APR; 12 to 36 months
8NovunaNovuna provides tailored financial solutions to both businesses and consumers, using straightforward repayment options to enhance cash flow for SMEs.£10,000–£500,000; 8.5%–19% APR; 3 to 36 months
9First Business FinanceFirst Business Finance offers diverse financing products, focusing on supporting business growth in the UK with personalized financial solutions.£5,000–£500,000; 0%–0% APR; 1 to 48 months
10Merchant MoneyMerchant Money provides unsecured business loans with a fast and flexible service model that caters to SMEs across the UK.£5,000–£500,000; 10%–20% APR; 1 to 24 months
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