April 14, 2026
Lists

Best £900K Unsecured Business Loan Lenders

Discover the best unsecured business loan lenders offering up to £900,000 in the UK. Find competitive rates, flexible terms, and quick approval for your business needs.
Square image with a black border and white background
Best £900K Unsecured Business Loan Lenders
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

Best £900K Unsecured 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 2026-04-09.

1. Funding Agent

Funding Agent specialises in brokering unsecured and working capital business loans for UK SMEs. It is typically suited to franchise buyers and operators seeking straightforward financing options with transparent terms. The service offers quick comparisons with flexible repayment choices and does not require 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. Nucleus Commercial Finance

Nucleus Commercial Finance focuses on both unsecured and secured business loans. This provider generally suits UK businesses needing flexible loan structures with options for security against assets. It offers moderate to longer loan terms and decisions with some degree of speed, aiming for broader SME coverage.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 2 months to 5 years ⌛

Services & Industries

  • Finance Types: Unsecured Business Loan, Secured Business Loan
  • Industries: All

Pros

  • Flexible options
  • Rapid decision

Cons

  • Not suited for startups

Sources: Source

3. iwoca

iwoca caters to small businesses seeking fast, unsecured loans with flexible terms. Their offerings typically appeal to UK SMEs requiring adaptable access to funds without collateral. Loan products provide variable repayment options and quick funding decisions to meet diverse business needs.

Loan Details

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

Services & Industries

  • Finance Types: Unsecured Business Loan
  • Industries: All

Pros

  • Quick access
  • No early repayment fees

Cons

  • Potentially high APR

Sources: Source

4. Barclays

Barclays provides a range of secured and unsecured bank business loans. These loans suit UK SMEs that prefer stable lending from a traditional bank with competitive rates. Payment plans include various term lengths and loan sizes with secured and unsecured options available.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Unsecured Business Loan, Secured Business Loan
  • Industries: All

Pros

  • Variety of loan options
  • Stable bank reputation

Cons

  • Limited max loan amount

Sources: Source

5. Lloyds Bank

Lloyds Bank offers a variety of business loans including fixed-term and variable APR options. Their products suit UK SMEs and larger enterprises seeking secure lending with potentially long repayment durations. Loan types adapt to different business scales and financing requirements.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 11.2%
  • Max APR: 0%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Unsecured Business Loan, Secured Business Loan
  • Industries: All

Pros

  • Wide range of loans
  • Support for business growth

Cons

  • Require good credit rating

Sources: Source

6. NatWest

NatWest provides both unsecured and secured business loans with flexible terms aimed at supporting growth. This lender suits UK SMEs that may already be customers and seek loans with adaptable repayment options. It offers a variety of loan sizes tailored to different business needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Unsecured Business Loan, Secured Business Loan
  • Industries: All

Pros

  • Comprehensive support
  • Flexible terms

Cons

  • Limited to existing customers

Sources: Source

7. Virgin StartUp

Virgin StartUp provides fixed-rate unsecured loans particularly aimed at new businesses and startups. This lender is best suited for UK entrepreneurs seeking funding combined with mentoring support. It offers relatively small loan sizes with fixed APR to help early stage business growth.

Loan Details

  • Min Amount: £500
  • Max Amount: £25,000
  • Min APR: 6%
  • Max APR: 6%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Unsecured Business Loan
  • Industries: Startups

Pros

  • Mentoring services
  • Fixed low APR

Cons

  • Low maximum loan amount

Sources: Source

8. White Oak UK

White Oak UK delivers a variety of unsecured and secured business loans focusing on SME finance. It typically serves UK businesses that need large loans with diverse repayment options. The application process allows for tailored lending with some complexity reflective of the loan sizes.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 6 months to 10 years ⌛

Services & Industries

  • Finance Types: Unsecured Business Loan, Secured Business Loan
  • Industries: All

Pros

  • High maximum loan amount
  • Diverse funding options

Cons

  • Complex application process

Sources: Source

9. Bizcap

Bizcap specialises in unsecured and secured business loans for companies with varying credit profiles. It is well suited to UK SMEs needing fast approval and flexible terms. Loans typically support short to medium-term needs with adaptable repayment schedules.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

  • Finance Types: Unsecured Business Loan, Secured Business Loan
  • Industries: All

Pros

  • Fast approval
  • Flexible terms

Cons

  • Variable APR

Sources: Source

10. 365 Finance

365 Finance specialises in unsecured business loans without fixed terms or APRs. This provider suits UK SMEs seeking highly flexible funding options with adaptive repayment plans. Their model favours businesses wanting variable term lengths and funding tailored to specific cash flow needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Unsecured Business Loan
  • Industries: All

Pros

  • No fixed terms
  • Adaptive funding

Cons

  • Not suitable for long-term borrowing

Sources: Source

How to choose

When selecting the best £900K unsecured business loan lender, assess your loan size needs and compare APRs carefully. Check each provider’s eligibility criteria and the speed of their application process. Consider whether flexibility or fixed repayment options suit your cash flow and seasonal income variations. Evaluate the need for collateral and if the lender specialises in unsecured financing. Brokered lenders may offer broader access to options, while banks bring established credit processes. Always balance costs, terms, and service levels before applying.

Conclusion

Choosing a lender depends greatly on your business type and loan purpose. Established banks are often suitable for borrowers seeking traditional loans with security, while brokers like Funding Agent offer quicker access to multiple options suited to SMEs. Specialist providers serve startups or credit-challenged companies with tailored products. Matching your funding requirements to the lender’s strengths is essential when seeking a 900 thousand pounds unsecured business loan. Confirm current terms and conditions directly with lenders to ensure the best fit for your business needs.

Table of Contents
Example H2
Example H3

Let’s launch your project?

arrow button

Find the right lender for you!

Generate offers
Cta image

FAQs

What is an unsecured business loan?
Can I get an unsecured business loan for £900,000?
What are the typical interest rates for unsecured business loans?
How long does it take to get approval for an unsecured business loan?
Are there any fees associated with unsecured business loans?
What documents do I need to apply for a £900K unsecured business loan?

Get Funding For
Your Business

Generate offers
Cta image
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
2Nucleus Commercial FinanceNucleus Commercial Finance offers a variety of flexible business finance solutions including unsecured and secured loans.£3,000–£2,000,000; 0%–0% APR; 2 months to 5 years
3iwocaIwoca provides fast, flexible access to finance for small businesses, offering loan products that adapt to business needs.£1,000–£1,000,000; 6%–49% APR; 1 to 24 months
4BarclaysBarclays offers a broad spectrum of business loans tailored to various business needs with competitive rates.£1,000–£100,000; 11.2%–14.9% APR; 1 to 5 years
5Lloyds BankLloyds Bank provides tailored financial solutions including fixed-term and variable-rate business loans for small to large enterprises.£1,000–£1,000,000; 11.2%–0% APR; 1 to 25 years
6NatWestNatWest offers business finance solutions designed to support business growth with flexible loan options.£1,000–£100,000; 0%–0% APR; 1 to 10 years
7Virgin StartUpVirgin StartUp supports UK entrepreneurs with funding, offering fixed-rate loans and mentoring services for startups.£500–£25,000; 6%–6% APR; 1 to 5 years
8White Oak UKWhite Oak UK specializes in SME business finance, offering a range of lending products tailored for various business sizes.£5,000–£2,000,000; 0%–0% APR; 6 months to 10 years
9BizcapBizcap offers flexible, fast business loans to UK companies, even for those with less-than-perfect credit.£5,000–£1,000,000; 0%–0% APR; 3 to 24 months
10365 Finance365 Finance provides unsecured business loans with no fixed terms or APR, allowing for flexible repayment plans.£10,000–£500,000; 0%–0% APR; Flexible
Apply now