Best Lenders to Secure a 100k to 150k 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 quickly compare various business finance options through a streamlined application process. It is typically suited for small to medium enterprises seeking fast eligibility matching and straightforward loan comparisons. The service emphasises ease, speed, and simple access without demanding collateral, making it a practical tool for early-stage borrowing considerations.
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
ABC Finance Ltd. offers a broad selection of financial products, including business lines of credit, aimed at supporting UK SMEs. It is appropriate for franchise buyers or small businesses looking for flexible credit with manageable terms. ABC Finance balances competitive APRs with varied loan durations and is accessible through direct applications or brokered arrangements.
Loan Details
- Min Amount: £5,000
- Max Amount: £200,000
- Min APR: 3.5%
- Max APR: 29.5%
- Loan Duration: 6-60 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, SME Loans
- Industries: Healthcare, Retail
Pros
- Low APR rates
- Flexible terms
Cons
- Higher APR for larger amounts
Business Lending Ltd provides a range of financial solutions including lines of credit suited for UK enterprises. It typically serves businesses seeking moderate loan amounts with flexible repayment terms. Their offerings include various loan types designed for diverse industries, focusing on a balanced APR range and longer loan durations.
Loan Details
- Min Amount: £10,000
- Max Amount: £150,000
- Min APR: 5.9%
- Max APR: 19.9%
- Loan Duration: 12-72 months ⌛
Services & Industries
- Finance Types: Lines of Credit, Term Loans
- Industries: Technology, Manufacturing
Pros
- Quick approval
- Diverse solutions
Capify UK specialises in innovative financial products designed for small UK businesses, including merchant cash advances and credit lines. It is suitable for companies requiring short to medium term finance with flexible repayment options. Capify often supports retail and hospitality sectors, focusing on swift processing and tailored solutions without extensive collateral requirements.
Loan Details
- Min Amount: £6,000
- Max Amount: £150,000
- Min APR: 7.5%
- Max APR: 24%
- Loan Duration: 3-24 months ⌛
Services & Industries
- Finance Types: Merchant Cash Advances, Credit Lines
- Industries: Hospitality, Retail
Pros
- Innovative solutions
- Quick processing
Fleximize targets businesses that need quick financing with a variety of credit options. They are suited for firms requiring speedy approval and flexible loan structures. The platform offers various repayment schedules and is accessible to multiple sectors with competitive yet broad APR ranges.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 6%
- Max APR: 38%
- Loan Duration: 1-48 months ⌛
Services & Industries
- Finance Types: Lines of Credit, Business Loans
- Industries: Construction, Tech
Pros
- Fast processing
- Various options
LendInvest specialises primarily in property finance but also provides business lines of credit relevant to real estate sectors. The lender suits businesses needing loans secured against property or those seeking competitive APRs with moderate durations. Its services are more focused on asset-backed lending than unsecured credit options.
Loan Details
- Min Amount: £10,000
- Max Amount: £100,000
- Min APR: 4.9%
- Max APR: 12.9%
- Loan Duration: 6-36 months ⌛
Services & Industries
- Finance Types: Property Finance, Business Credit Lines
- Industries: Real Estate
Pros
- Specialized service
- Competitive APRs
Esme Loans offers credit lines designed for SMEs, emphasizing an uncomplicated application process and quick access to funds. It works well for businesses needing tailored credit solutions within short to medium repayment periods. Security requirements are generally minimal, allowing straightforward borrowing suited to service and consultancy sectors.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 3.9%
- Max APR: 39.9%
- Loan Duration: 1-60 months ⌛
Services & Industries
- Finance Types: SME Credit Lines, Business Loans
- Industries: Service, Consultancy
Pros
- Straightforward process
- High maximum loan
Iwoca provides quick loans and revolving credit facilities to small UK businesses, focusing on rapid fund release and flexible credit lines. It serves retail and manufacturing companies, favouring short-duration borrowing. The lender offers revolving facilities that enable flexible repayments aligned to business cash flow cycles.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 6%
- Max APR: 48%
- Loan Duration: 1-12 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Business Loans
- Industries: Retail, Manufacturing
Pros
- Speedy fund release
- Revolving facilities
Funding Circle is a peer-to-peer lender offering business lines of credit that appeals to SMEs across healthcare and tech sectors. It is suited for borrowers capable of dealing with peer-to-peer lending structures and those seeking competitive APRs with relatively large loan amounts. Funding Circle emphasises accessible credit through online platforms with flexible repayment options.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 4.5%
- Max APR: 23.5%
- Loan Duration: 6-60 months ⌛
Services & Industries
- Finance Types: Peer-to-Peer Lending, Business Credit Lines
- Industries: Healthcare, Tech
Pros
- Competitive APR
- Large loan capability
Just Cash Flow delivers flexible credit solutions geared towards supporting business expansion and growth within the UK. It is best suited for SMEs looking for adaptable loan amounts and repayment schedules that align with their growth plans. The provider offers a focus on business continuity with variable credit structures and straightforward application protocols.
Loan Details
- Min Amount: £1,000
- Max Amount: £250,000
- Min APR: 5%
- Max APR: 35%
- Loan Duration: 3-36 months ⌛
Services & Industries
- Finance Types: Credit Lines, Corporate Loans
- Industries: SMEs
Pros
- Flexible options
- Business growth focus
How to choose
When seeking a business line of credit between 100k and 150k pounds, it is important to evaluate lenders based on loan size compatibility, APR, and repayment terms. Consider the suitability of each provider’s product for your franchise type and industry. Balance the need for speed in approval against flexibility of terms and options for early repayment. Pay attention to collateral requirements and whether unsecured financing is available. Also, check admission criteria carefully, including credit scores and business history. Comparing fees, lender reputations, and customer support will help ensure a fitting choice.
Conclusion
Choosing the right lender depends on matching provider type to specific business needs. Traditional banks often specialise in larger, secured loans while brokers can offer access to multiple lenders, providing diverse options tailored to individual circumstances. Specialists focus on niche markets or faster turnaround times. Funding Agent is a useful resource for SMEs seeking quick comparisons of multiple lending options. For loans around 100 to 150 thousand pounds, consider the purpose of the loan, how flexible the terms are, and the level of support provided before deciding.