April 14, 2026
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Best £900K Business Loan Lenders

Discover the best UK lenders offering £900,000 business loans. Compare rates, terms, and eligibility to find the perfect loan to grow your business confidently.
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Best £900K Business 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 £900K Business 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 2026-04-08.

1. Funding Agent

Funding Agent offers a platform focused on quickly comparing business finance options for UK SMEs. It is suitable for businesses seeking a straightforward application process and clear financing choices. The service emphasises speed, simple eligibility checks, and unsecured lending options with flexible terms.

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. Barclays

Barclays provides a broad range of secured and unsecured business loans mainly through bank lending. It suits SMEs looking for reliable bank business finance with varied term lengths. The lender offers flexibility in repayment options and caters to businesses needing sizable loan amounts with established credit profiles.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 6.5%
  • Max APR: 22%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Unsecured Business Loans
  • Industries: General Businesses

Pros

  • Flexible terms
  • Strong financial backing

Cons

  • Potentially high APR

Sources: Source

3. Lloyds Bank

Lloyds Bank offers a variety of business loan products focusing on flexible funding for UK enterprises. It fits businesses seeking scalable loan amounts with options for overdrafts included. The lender often combines service quality with a range of repayment plans and application channels.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 5.5%
  • Max APR: 19.9%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Business Loans, Overdrafts
  • Industries: Various industries

Pros

  • Online applications
  • Wide range of amounts

Cons

  • Eligibility may be stringent

Sources: Source

4. NatWest

NatWest provides business loans featuring both fixed and variable rate options suited for diverse UK industries. It is ideal for SMEs needing mid-to-large loan amounts and flexible repayment schedules. The bank typically supports growth-focused businesses with established financial requirements.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £10,000,000
  • Min APR: 5.9%
  • Max APR: 18%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Fixed Rate Loans, Variable Rate Loans
  • Industries: Various sectors

Pros

  • Large loan amounts available
  • No early repayment fees

Cons

  • Higher minimum loan amount

Sources: Source

5. Iwoca

Iwoca specialises in fast, flexible small business loans with rapid approval times for UK SMEs. It suits companies needing short-term credit with straightforward access and no early repayment penalties. The provider focuses on fintech-driven lending solutions adaptable to diverse small business needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 6%
  • Max APR: 49%
  • Loan Duration: 1 day to 24 months ⌛

Services & Industries

  • Finance Types: Short-Term Loans
  • Industries: Small and medium enterprises

Pros

  • Quick decision
  • No early repayment fees

Cons

  • High maximum APR

Sources: Source

6. Nucleus Commercial Finance

Nucleus Commercial Finance provides secured and unsecured business finance solutions focusing on flexibility and speed for SMEs. It is appropriate for businesses needing tailored loan structures within short to medium-term durations. The lender typically supports rapid decisions and offers access to various financing types.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £2,000,000
  • Min APR: 5%
  • Max APR: 20%
  • Loan Duration: 3 months to 5 years ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: SMEs

Pros

  • Flexible options
  • Fast decisions

Cons

  • Short-term loan focus

Sources: Source

7. Bizcap

Bizcap focuses on providing fast business loans with flexible options for UK companies, including those with poorer credit scores. It is suitable for SMEs requiring quick access to funds with less stringent credit checks. The provider typically supports both secured and unsecured loan types for various business needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 8%
  • Max APR: 30%
  • Loan Duration: Short term ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Various

Pros

  • Bad credit acceptable
  • Fast processing

Cons

  • High interest rates possible

Sources: Source

8. White Oak UK

White Oak UK specialises in SME finance with a focus on tax finance and VAT loan products. It suits SMEs looking for niche financing solutions with structured repayment terms. The provider emphasises product variety and may work with government-related schemes or sector-specific funding needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 4.5%
  • Max APR: 15%
  • Loan Duration: 3 to 48 months ⌛

Services & Industries

  • Finance Types: VAT Loans, Tax Finance
  • Industries: SME-specific sectors

Pros

  • Government affiliations
  • Wide range of products

Cons

  • Complex loan structures

Sources: Source

9. Funding Circle

Funding Circle operates an online peer-to-peer lending platform focused on faster loan processing for UK businesses. It fits SMEs looking for transparent pricing and fewer conventional bank requirements. The platform is designed for borrowers seeking moderate loan sizes with simplified approval processes.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.2%
  • Max APR: 24%
  • Loan Duration: 6 months to 5 years ⌛

Services & Industries

  • Finance Types: Peer-to-peer Loans
  • Industries: General businesses

Pros

  • Fast process
  • Transparent pricing

Cons

  • Limited maximum amount

Sources: Source

10. HSBC

HSBC offers a range of flexible business loan products for small and medium enterprises across the UK. It serves businesses needing varied loan sizes with international banking support. HSBC provides multiple repayment structures and caters to companies prioritising diverse loan options and financial stability.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £250,000
  • Min APR: 6%
  • Max APR: 22%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Business Loans, Flexible Business Loans
  • Industries: Multiple

Pros

  • International presence
  • Various options

Cons

  • Strict eligibility

Sources: Source

How to choose

When selecting the best £900K business loan lenders, consider your required loan size and compare APR ranges to fit your budget. Review lender eligibility criteria carefully, including credit and business history requirements. Balance the urgency of funds against flexible repayment options offered. Check for collateral and security demands and consider whether unsecured loans suit your needs. Assess fees, early repayment terms, and whether brokered access or direct bank lending is more appropriate for your business. Always verify terms directly with lenders before applying.

Conclusion

Choosing the right lender depends on your specific needs. Banks typically suit well-established businesses looking for structured loans with varied terms. Brokers and specialist lenders offer faster access and flexibility, often for niche or higher-risk cases. Funding Agent remains a useful tool for SMEs wanting to compare multiple options quickly. Match your loan purpose and business profile with the lender type to find the best fit for a nine hundred thousand pounds loan.

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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
2BarclaysBarclays is a major UK bank offering a wide range of business lending products including unsecured and secured loans for SMEs.£1,000–£100,000; 6.5%–22% APR; 1 to 25 years
3Lloyds BankLloyds Bank provides a range of business loan options from small to large amounts, focusing on flexibility and customer service for UK enterprises.£1,000–£1,000,000; 5.5%–19.9% APR; 1 to 25 years
4NatWestNatWest offers business loans with a variety of terms designed to support UK businesses, including both fixed and variable rate options.£25,001–£10,000,000; 5.9%–18% APR; 1 to 10 years
5IwocaIwoca is a fintech company providing small business loans with quick decisions and flexible terms.£1,000–£1,000,000; 6%–49% APR; 1 day to 24 months
6Nucleus Commercial FinanceNucleus Commercial Finance offers flexible and rapid business finance solutions for UK SMEs with both secured and unsecured options.£3,000–£2,000,000; 5%–20% APR; 3 months to 5 years
7BizcapBizcap offers quick and easy access to business loans for UK businesses, even with less-than-perfect credit.£5,000–£1,000,000; 8%–30% APR; Short term
8White Oak UKWhite Oak UK is a specialist in SME finance, offering a variety of business funding solutions including business loans and tax finance.£5,000–£2,000,000; 4.5%–15% APR; 3 to 48 months
9Funding CircleFunding Circle is a prominent UK-based online lending platform providing a streamlined loan process with rapid approval times for UK businesses.£10,000–£750,000; 6.2%–24% APR; 6 months to 5 years
10HSBCHSBC offers a range of business loans designed to meet the diverse needs of small and medium-sized businesses in the UK with flexible terms.£1,000–£250,000; 6%–22% APR; 1 to 10 years
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