April 14, 2026
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Best £900K Working Capital Loan Lenders

Discover the best lenders offering £900K working capital loans in the UK. Compare rates, terms, and find the right loan to support your business growth today.
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Best £900K Working Capital Loan Lenders
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 £900K 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 is a broker specialising in UK SME business finance comparison. It is suitable for franchise buyers and operators seeking quick access to a range of loan products with varying terms. The provider offers a streamlined application process with fast eligibility matching and finance options that include unsecured lending and flexible repayment structures.

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. Fleximize

Fleximize focuses on flexible business loans for SMEs from various sectors. It is typically suitable for businesses needing unsecured or secured funding with adaptable terms. Fleximize offers relatively quick funding decisions and options that support a range of repayment schedules, catering to different credit profiles and investment needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 4.5%
  • Max APR: 15.5%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

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

Pros

  • No hidden fees
  • Quick funding

Cons

  • High maximum APR

Sources: Source

3. Funding Circle

Funding Circle specialises in fast, affordable loans primarily for small businesses in the UK. It suits borrowers looking for both secured and unsecured finance with transparent, flexible repayment options. Funding Circle emphasises speed of decision and competitive loan amounts aligned with business growth plans.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 23.9%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: Small Businesses

Pros

  • Quick decision making
  • High loan maximum

Cons

  • Short terms for high amounts

Sources: Source

4. Nucleus Commercial Finance

Nucleus Commercial Finance provides both secured and unsecured business loans for SMEs. It is suitable for those requiring larger amounts with longer repayment terms. The provider offers varied loan structures and lending criteria, including options focused on collateral and flexible durations aligned with business needs.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £2,000,000
  • Min APR: 7%
  • Max APR: 18%
  • Loan Duration: 6 months to 7 years ⌛

Services & Industries

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

Pros

  • High maximum loan amount
  • Variety of products

Cons

  • Relatively high min APR

Sources: Source

5. Iwoca

Iwoca offers quick decision loans focused on flexible financing for small to medium businesses. It suits those requiring rapid access to funds with a range of credit and repayment options. Iwoca emphasises speed and convenience without extensive collateral requirements.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 18%
  • Max APR: 49%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Flexible Loans, Line of Credit
  • Industries: Various

Pros

  • Quick fund availability
  • No early repayment fees

Cons

  • High APR for long loans

Sources: Source

6. Barclays

Barclays offers a breadth of business banking products including large scale loans. It is best suited to businesses with established banking relationships seeking structured or flexible repayment options. Barclays typically requires proper assessments but supports varied loan sizes for long-term working capital and investment needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000,000
  • Min APR: 11.2%
  • Max APR: 12.9%
  • Loan Duration: Varies ⌛

Services & Industries

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

Pros

  • Broad loan range
  • Flexible terms

Cons

  • Complex application process

Sources: Source

7. Lloyds Bank

Lloyds Bank focuses on business loans with flexible repayment plans targeting SMEs. It typically suits borrowers looking for long-term financing with established credit profiles. Lloyds provides secured and unsecured loans with variable terms to accommodate different business needs and cash flow cycles.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 11.2%
  • Max APR: 14%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

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

Pros

  • Long-term financing options
  • Trusted banking institution

Cons

  • Higher APR for small loans

Sources: Source

8. White Oak UK

White Oak UK delivers specialised financial solutions to SMEs, focusing on working capital and invoice finance. It is suited to businesses seeking tailored funding that may not fit conventional lending parameters. The service offers flexible access to capital with options to support diverse industry needs, though some terms remain undisclosed.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Working Capital Loans, Invoice Finance
  • Industries: SMEs

Pros

  • High loan limit
  • Quick funding

Cons

  • Details on APR not disclosed

Sources: Source

9. Century Business Finance

Century Business Finance provides rapid, flexible funding for SMEs across multiple sectors. It fits businesses needing working capital or small to medium loans with straightforward application processes. The provider emphasises speed and ease, although some loan terms are not fully disclosed.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Business Loans, Working Capital Loans
  • Industries: SMEs

Pros

  • Fast approval
  • Simple application

Cons

  • Limited loan amount max

Sources: Source

10. Ingenious Capital

Ingenious Capital offers bespoke business loan options and asset financing suitable for diverse UK enterprises. It is best suited for companies looking for tailored funding solutions with innovation and flexible terms. The firm provides focused support but details on amounts and rates remain undisclosed.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Business Loans, Asset Financing
  • Industries: Various

Pros

  • Tailored solutions
  • Focused on innovation

Cons

  • Limited information available

Sources: Source

How to choose

When selecting the best £900K working capital loan lender, consider your specific funding needs and eligibility. Review loan size limits and APR ranges to ensure they fit your cash flow and repayment capabilities. Examine how quickly lenders process applications and fund loans, particularly if speed is critical. Also, evaluate the flexibility of repayment terms and any collateral requirements. Consulting lender criteria, fees, and early repayment policies will help identify the best fit for your franchise or business operation strategies.

Conclusion

Choosing the right lender depends on your particular business scenario. Banks generally offer stable terms for established ventures with larger capital needs. Brokers like Funding Agent can simplify access by comparing multiple products suited to various business profiles. Specialist providers focus on niche lending or asset-backed loans. Matching lender type to your working capital needs and repayment preferences is essential when considering a 900 thousand pounds loan.

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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
2FleximizeFleximize offers flexible business loans tailored to the needs of SMEs, serving diverse industries with funding up to £500,000.£5,000–£500,000; 4.5%–15.5% APR; 3 to 60 months
3Funding CircleFunding Circle provides fast, affordable loans to small businesses in the UK, supporting growth through flexible finance options.£10,000–£750,000; 6.9%–23.9% APR; 6 to 60 months
4Nucleus Commercial FinanceNucleus Commercial Finance offers a range of business loan solutions tailored for SMEs, providing secured and unsecured options up to £2 million.£3,000–£2,000,000; 7%–18% APR; 6 months to 7 years
5IwocaIwoca offers flexible business loans with quick decisions, designed to support various stages of business growth with loans up to £1 million.£1,000–£1,000,000; 18%–49% APR; 1 to 24 months
6BarclaysBarclays provides a comprehensive array of business banking solutions, including loans for growing and sustaining business operations.£1,000–£25,000,000; 11.2%–12.9% APR; Varies
7Lloyds BankLloyds Bank offers business loans tailored to the needs of SMEs with flexible repayment terms and significant borrowing limits for business growth.£1,000–£1,000,000; 11.2%–14% APR; 1 to 25 years
8White Oak UKWhite Oak UK specializes in providing tailored financial solutions to SMEs, including working capital loans up to £2 million.£5,000–£2,000,000; 0%–0% APR; Unknown
9Century Business FinanceCentury Business Finance provides fast, flexible business loans and funding solutions to SMEs across various sectors.£10,000–£250,000; 0%–0% APR; Unknown
10Ingenious CapitalIngenious Capital provides tailored business loan solutions, specializing in unique funding options for growing enterprises in the UK.£0–£0; 0%–0% APR; Unknown
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