January 13, 2026
Lists
Square image with a black border and white background
best lenders to secure a 190k unsecured business loan

best lenders to secure a 190k unsecured business loan

Discover the best lenders offering unsecured business loans up to £190,000. Get quick access to funds with competitive rates and flexible terms tailored for UK businesses.
Jesse Spence
Finance content writer / Market researcher

4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business ownersb improve approval chances and choose the right type of finance

best lenders to secure a 190k unsecured business loan

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 2026-01-13.

Quick Compare:

1Funding AgentFunding Agent is a leading financial services platform offering a comprehensive suite of business finance solutions.£1,000–£200,000; 5.9%–15.9% APR; 12–60 months
2Lloyds BankLloyds Bank offers a range of finance solutions for UK businesses, including unsecured loans for growth and equipment purchase.£1,000–£50,000; 11.2%–11.2% APR; 1–25 years
3BarclaysBarclays provides versatile business loans suitable for both small and large enterprises, offering a wide array of financial products.£1,000–£25,000; 7.9%–12.5% APR; 1–10 years
4Funding CircleFunding Circle is a peer-to-peer lending platform that offers fast and affordable unsecured business loans with competitive interest rates.£10,000–£750,000; 6.9%–14.9% APR; 6–72 months
5365 Finance365 Finance offers simple and fast unsecured business loans with no fixed APRs or monthly obligations, targeted at growing businesses.£10,000–£500,000; 0%–0% APR; Repayment based on revenue
6NatWestNatWest assists UK SMEs by offering tailored unsecured and secured lending solutions with competitive rates.£1,000–£100,000; 7.5%–12.5% APR; 1–10 years
7MAF Finance GroupMAF Finance Group offers diverse financial solutions including unsecured business loans for SMEs aiming for growth.£10,000–£750,000; 7.5%–12% APR; 3–72 months
8Century Business FinanceCentury Business Finance provides simple and efficient unsecured business loans to UK-based SMEs with fast approval.£10,000–£250,000; 0%–0% APR; 12–60 months
9FleximizeFleximize offers innovative financial products for SMEs, specialising in flexible unsecured business loans with rate pledges.£5,000–£500,000; 0.9%–3.9% APR; 3–60 months
10MoneySuperMarketMoneySuperMarket provides a comprehensive comparison of various business loan options from multiple UK lenders, helping businesses find the most suitable loan for their needs.£500–£5,000,000; 5.9%–24.9% APR; 6–120 months

1. Funding Agent

Funding Agent Funding Agent is a prominent provider of unsecured business loans in the UK. It focuses on quick access and flexible options suitable for franchise buyers and small businesses. The lending process is streamlined, with a variety of terms that suit different cash flow needs. Here’s what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £200,000
  • Min APR: 6.9%
  • Max APR: 29.9%
  • Loan Duration: 6–60 months⌛

Services & Industries

  • Finance Types: Unsecured Loans, Fixed Rate Loans
  • Industries: Various

Pros

  • Tailored finance solutions
  • Competitive rates

Cons

  • May require financial documentation

Sources: https://www.fundingagent.co.uk/post/best-lenders-to-secure-a-200k-unsecured-business-loan

2. Merchant Savvy

Merchant Savvy Merchant Savvy offers a broad range of business finance options, including unsecured loans tailored for small to medium-sized enterprises. It caters to businesses seeking quick approval with fixed interest rates and flexible terms. Here’s what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 6%
  • Max APR: 10%
  • Loan Duration: 12–60 months⌛

Services & Industries

  • Finance Types: Unsecured Loans, Fixed Rate Loans
  • Industries: Retail, E-commerce

Pros

  • No application fees
  • Competitive fixed rates

Cons

  • High credit score required

Sources: https://www.merchantsavvy.co.uk/business-finance/business-loans/unsecured-business-loans/

3. Money.co.uk

Money.co.uk Money.co.uk is a comparison platform for various business loan options, including unsecured and secured loans. It helps UK businesses, especially those seeking fast and flexible funding solutions. Here’s what to know:

Loan Details

  • Min Amount: £500
  • Max Amount: £15,000,000
  • Min APR: 7%
  • Max APR: 20%
  • Loan Duration: 12–120 months⌛

Services & Industries

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

Pros

  • Wide range of loan amounts
  • Comprehensive comparisons

Cons

  • APR can vary widely

Sources: https://www.money.co.uk/business/business-loans

4. Clifton Private Finance

Clifton Private Finance Clifton Private Finance offers specialised finance solutions for businesses. It focuses on unsecured and cash flow loans for firms seeking growth or restructuring. The process can accommodate various loan sizes and repayment schedules. Here’s what to know:

Loan Details

  • Min Amount: £50,000
  • Max Amount: £1,000,000
  • Min APR: 8%
  • Max APR: 0%
  • Loan Duration: 6–60 months⌛

Services & Industries

  • Finance Types: Unsecured Loans, Cash Flow Loans
  • Industries: Consultancy, Real Estate

Pros

  • Specialized solutions
  • High loan amounts

Cons

  • Higher minimum loan amount

Sources: https://www.cliftonpf.co.uk/business-loans/

5. Funding Circle

Funding Circle Funding Circle operates as a peer-to-peer lending platform connecting investors with small businesses. It predominantly provides quick, flexible, and accessible financing suitable for franchise buyers. The platform’s pace and variety of loan options support diverse needs. Here’s what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 7.5%
  • Max APR: 35.5%
  • Loan Duration: 6–72 months⌛

Services & Industries

  • Finance Types: Peer-to-peer Loans, Term Loans
  • Industries: Various

Pros

  • Fast approval
  • Large borrowing amounts

Cons

  • High APR rates for some

Sources: https://www.fundingcircle.com/uk/small-business-loans/unsecured-loans/

6. 365 Finance

365 Finance 365 Finance offers revenue-based funding options for small businesses. It focuses on quick turnaround and flexible repayment based on revenue performance. This approach can suit firms with variable income. Here’s what to know:

Loan Details

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

Services & Industries

  • Finance Types: Revenue-based Financing, Merchant Cash Advance
  • Industries: Various

Pros

  • No fixed APR
  • High approval rate

Cons

  • Repayment depends on revenue

Sources: https://www.365finance.co.uk/unsecured-business-loans/

7. Barclays

Barclays Barclays provides a range of business lending options, both unsecured and secured, with quick decision-making and a variety of repayment terms. It caters to companies seeking straightforward financing. Here’s what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 12–60 months⌛

Services & Industries

  • Finance Types: Unsecured Loans, Business Overdraft
  • Industries: Various

Pros

  • Quick decision times
  • Flexible products

Cons

  • Lower loan caps

Sources: https://www.barclays.co.uk/business-banking/borrow/loans/

8. Fleximize

Fleximize Fleximize is an innovative lender offering flexible business loans tailored to growing companies. Its services include quick access, interest rate options, and repayment structures suited for various business needs. It is suitable for franchise operators and SMEs looking for adaptable funding solutions. Here’s what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 10.8%
  • Max APR: 43.2%
  • Loan Duration: 12–60 months⌛

Services & Industries

  • Finance Types: Short-term Loans, Flexiloan
  • Industries: Retail, E-commerce

Pros

  • Loyalty rewards
  • Custom interest rates

Cons

  • Higher APR for new clients

Sources: https://www.fleximize.com/business-loans/unsecured-business-loans

9. Funding Options

Funding Options Funding Options is a platform connecting SMEs with a wide network of lenders. It offers various products suitable for franchise owners and growing businesses. The service emphasises speed and tailored solutions for different sectors. Here’s what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £20,000,000
  • Min APR: 5%
  • Max APR: 30%
  • Loan Duration: 3–60 months⌛

Services & Industries

  • Finance Types: Marketplace Loans, Business Lines of Credit
  • Industries: Hospitality, Technology

Pros

  • Wide lender variety
  • Tailored choices

Cons

  • Varied APR
  • May require detailed application

Sources: https://www.fundingoptions.com/knowledge/business-loans/

10. GoCompare

GoCompare GoCompare offers a comparison service for various loan options, including unsecured loans, suited for firms needing straightforward finance. It helps businesses find suitable deals efficiently. The platform facilitates quick comparisons to assist decision making. Here’s what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £200,000
  • Min APR: 7%
  • Max APR: 23%
  • Loan Duration: 6–72 months⌛

Services & Industries

  • Finance Types: Comparison Services, Unsecured Loans
  • Industries: Various

Pros

  • Comprehensive comparison
  • Many lenders available

Cons

  • Limited direct offering

Sources: https://www.gocompare.com/loans/business/

How to choose

When selecting a lender for a 190 thousand pounds unsecured business loan, consider the purpose of the funding. Bank options often offer lower rates but may require extensive paperwork. Brokers can connect you to multiple lenders, saving time and increasing options. Specialist providers may focus on unsecured or revenue-based funding suited for smaller or faster needs. Check the lender’s criteria, fees, and repayment flexibility. Matching your loan size, speed, and flexibility to your cash flow is essential for a good fit. Always review terms and conditions before applying to ensure it meets your business needs.

Conclusion

Matching the right lender type to your use case is crucial. Bank lenders usually suit those seeking lower rates and longer-term funding. Brokers can help access a broad range of options quickly. Specialist lenders may provide faster service for unsecured or revenue-based loans. Funding Agent remains a strong choice for SMEs that want quick comparisons across multiple options. Always confirm current costs and terms with the lender; pricing may change.

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 loan for £190,000?
Which lenders offer the best terms for unsecured loans this size?
How long does it take to get approved for a £190k unsecured business loan?
Do unsecured business loans have higher interest rates?
How can I improve my chances of getting approved?

Get Funding For
Your Business

Generate offers
Cta image
Apply now