Best Lenders to Secure a 100k Business Line of Credit
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 2026-02-12.
Funding Agent focuses on helping UK SMEs compare and access various business finance options through a streamlined application process. It is suited to franchise buyers and operators looking for speed and simplicity in securing unsecured finance. The platform supports flexible eligibility matching 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
Funding Circle specialises in peer-to-peer loans for small and medium businesses, providing direct lending from investors. It typically suits franchise owners and operators requiring unsecured term loans or lines of credit. The platform offers digital applications with a focus on predictable repayment terms and requires a personal guarantee.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 4.9%
- Max APR: 22.9%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Term Loans, Business Line of Credit
- Industries: Healthcare, Construction
Pros
- No early repayment fees
- Simple online application
Cons
- Required personal guarantee
Iwoca provides fast, flexible loans focusing on short-term working capital for small UK businesses. It is well suited for franchise buyers needing quick access to credit without traditional collateral. Funding is typically flexible and designed to support cash flow fluctuations.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1–12 months ⌛
Services & Industries
- Finance Types: Credit Line, Working Capital
- Industries: Retail, Food Services
Pros
- Quick funding
- No hidden fees
Cons
- Higher rates for short-term loans
Fleximize offers online flexible funding focused on small to medium UK businesses requiring adaptable loan features. It is suitable for franchise operators seeking varied repayment options and moderate collateral requirements. Applications are generally straightforward and funding is provided to support growth needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 1.5%
- Max APR: 19.9%
- Loan Duration: 1–48 months ⌛
Services & Industries
- Finance Types: Flexible Business Loans
- Industries: Technology, Hospitality
Pros
- High customer satisfaction
- Multiple funding options
Cons
- Application fees may apply
MarketFinance offers a range of financial products including business loans and invoice financing to UK SMEs. It suits franchise buyers seeking alternative funding sources with regulated invoice finance and traditional lending options. The service emphasises quick approvals and digital account management.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Invoice Financing, Business Loans
- Industries: Wholesale, Manufacturing
Pros
- Quick approval
- Online tracking
Cons
- Limited to certain industries
Capify specialises in alternative business funding through merchant cash advances and loans aimed at SMEs. It is suitable for franchise buyers seeking flexible repayment models linked to revenue streams. Security and credit history considerations vary with the products offered.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6–18 months ⌛
Services & Industries
- Finance Types: Merchant Cash Advance, Business Loans
- Industries: Retail, Hospitality
Pros
- Fast funding
- No fixed terms
Cons
- Higher cost than traditional loans
Nova Business Finance provides tailored finance solutions for growing businesses, with flexibility for various sectors. It is ideal for franchise operators needing asset finance or business loans with customised options. The provider offers expert advice along with competitive terms focused on industry needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £300,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6–36 months ⌛
Services & Industries
- Finance Types: Asset Finance, Business Loans
- Industries: Transport, Logistics
Pros
- Tailored solutions
- Industry expertise
Cons
- Complex application process
Aldermore Bank is a specialist lender focused on property-backed finance, mortgages, and business lending. It suits franchise buyers needing secured finance with tailored rates and personal service. Aldermore provides flexible loan-to-value options with longer repayment durations.
Loan Details
- Min Amount: £25,000
- Max Amount: £250,000
- Min APR: 3.5%
- Max APR: 11.5%
- Loan Duration: 12–72 months ⌛
Services & Industries
- Finance Types: Mortgages, Business Loans
- Industries: Real Estate, Professional Services
Pros
- Competitive rates
- Personal service
Cons
- Limited online banking features
Cubefunder focuses on short-term business loans for small and micro UK businesses, offering fast decisions and straightforward requirements. It suits franchise buyers who need smaller loan amounts with simple terms and no upfront fees. The lender provides targeted support for quick funding cycles.
Loan Details
- Min Amount: £5,000
- Max Amount: £100,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1–12 months ⌛
Services & Industries
- Finance Types: Short-Term Loans
- Industries: Retail, Services
Pros
- Quick decision-making
- No upfront fees
Nucleus Commercial Finance offers a blend of traditional bank-style lending and alternative finance for SMEs. It is suited to franchise clients needing larger loans with flexible but secure arrangements. The provider offers a broad product range designed to accommodate various industries and business needs.
Loan Details
- Min Amount: £50,000
- Max Amount: £5,000,000
- Min APR: 5.9%
- Max APR: 15.5%
- Loan Duration: 6–84 months ⌛
Services & Industries
- Finance Types: Business Cash Advance, Construction Finance
- Industries: Construction, Manufacturing
Pros
- Large loan amounts
- Wide range of products
How to choose
When securing a 100k business line of credit, assess lenders based on your industry, borrowing amount, and loan duration needs. Evaluate the APR and repayment terms to ensure they align with your cash flow and franchise growth plans. Consider the balance between application speed and funding flexibility, as well as security requirements like collateral or personal guarantees. Investigate the lender's eligibility criteria, fees, and early repayment policies thoroughly. Choosing a lender that fits your risk profile and business model helps minimise complications. Using a mix of broker platforms and specialist lenders provides wider access to suitable credit options.
Conclusion
Selecting the right lender depends on your business model and finance needs. Banks often provide competitive rates for secured loans, while brokers offer access to multiple lenders suited for unsecured options. Specialist finance providers can fill gaps with tailored solutions for specific sectors or loan types. Funding Agent is a strong choice for SMEs looking to compare options quickly. For a loan around 100 thousand pounds, carefully weighing provider types helps align funding with your franchise goals.
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