January 23, 2026
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Best Lenders to secure a 100k to 150k Working Capital Loan

Best Lenders to secure a 100k to 150k Working Capital Loan

Discover the best UK lenders to secure a working capital loan between £100,000 and £150,000. Compare rates, terms, and get expert tips to grow your business.
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 100k to 150k Working Capital 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 2026-01-23.

1. Funding Agent

Funding Agent acts as a broker platform for UK SMEs, focusing on comparing various business finance options efficiently. It is suitable for businesses seeking working capital with a preference for quick eligibility decisions and simple application processes. The platform offers flexible options without requiring collateral and supports multiple loan types through a fast matchmaking approach.

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. Century Business Finance

Century Business Finance offers straightforward working capital and growth loans aimed at UK SMEs. It suits businesses looking for simple financing solutions with fixed terms and competitive rates. The provider emphasises quick decisions and repayment flexibility, without requiring extensive collateral.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1-5 years ⌛

Services & Industries

  • Finance Types: Working Capital Loan, Business Expansion Loan
  • Industries: Various

Pros

  • Flexible multi-year repayments
  • Fast decisions

Cons

  • Rates vary
  • Requires good credit history

Sources: Source

3. HSBC

HSBC provides a range of business loans including working capital and asset finance, catering to diverse business needs. It suits borrowers seeking flexible terms with various repayment options. HSBC typically offers secured and unsecured loans with consideration of creditworthiness and collateral.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 5.7%
  • Max APR: 18.9%
  • Loan Duration: 1-10 years ⌛

Services & Industries

  • Finance Types: Working Capital Loans, Asset Financing
  • Industries: Various

Pros

  • Flexible repayment terms
  • No arrangement fees

Cons

  • Higher APR for lower credit scores
  • Longer application process

Sources: Source

4. Fleximize

Fleximize offers secured and unsecured loans focused on UK SMEs looking for flexible financing. It is suitable for businesses requiring quick lending decisions and options for early repayment. Fleximize provides competitive rates and various repayment durations to match cash flow needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 9.6%
  • Loan Duration: 6-72 months ⌛

Services & Industries

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

Pros

  • Decisions in 24 hours
  • Repay early to save interest

Cons

  • Higher APR for unsecured loans
  • Limited to SMEs

Sources: Source

5. Clifton Private Finance

Clifton Private Finance provides large-scale secured and unsecured business loans tailored to significant investments and expansions. It suits experienced borrowers who require professional guidance and access to a wide range of loan sizes. This lender typically requires collateral or proof of high turnover and offers longer-term financing options.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £25,000,000
  • Min APR: 7%
  • Max APR: 20%
  • Loan Duration: 1-25 years ⌛

Services & Industries

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

Pros

  • Wide range of loan sizes
  • Professional advice available

Cons

  • Longer approval process
  • Requires collateral or high turnover

Sources: Source

6. Barclays

Barclays provides a comprehensive range of bank business loans from small to large sums. It is suitable for borrowers needing secured or unsecured lending with competitive interest tied to base rates. Barclays typically requires eligibility checks and offers tailored repayment plans with an established approval process.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1-10 years ⌛

Services & Industries

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

Pros

  • Variety of funding options
  • Trusted bank

Cons

  • Longer process for large loans
  • Strict eligibility criteria

Sources: Source

7. Spark Finance

Spark Finance provides secured and unsecured finance for SMEs, focusing on clear loan terms and competitive interest rates. It suits businesses requiring mid-to-large loans with straightforward repayment structures. Spark Finance prioritises accessible financing with fixed-duration agreements and flexibility within set guidelines.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £1,000,000
  • Min APR: 5%
  • Max APR: 25%
  • Loan Duration: 6 months-6 years ⌛

Services & Industries

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

Pros

  • Clear repayment terms
  • Competitive rates

Cons

  • Higher rates for unsecured loans
  • Limited to fixed term loans

Sources: Source

8. Iwoca

Iwoca specialises in fast, flexible, and accessible working capital loans for UK SMEs. It is suited to companies needing short-term finance with quick approval and adaptable repayment conditions. Iwoca offers unsecured loans with an emphasis on speed and convenience, balanced against higher APRs typical of short durations.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 18%
  • Max APR: 35%
  • Loan Duration: 1-12 months ⌛

Services & Industries

  • Finance Types: Working Capital Loan
  • Industries: Various

Pros

  • Quick decision process
  • Flexible terms

Cons

  • High APR for short term loans
  • Strict eligibility criteria

Sources: Source

9. NatWest

NatWest offers small business loans designed for growth and operating expenses for UK SMEs. It is aimed at borrowers who prefer simple application processes and competitive rates, typically requiring bank account relationships. NatWest loans often involve fixed repayment terms and moderate loan sizes suited to established businesses.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: 1-5 years ⌛

Services & Industries

  • Finance Types: Small Business Loan
  • Industries: Various

Pros

  • Simple application process
  • Competitive rates for existing customers

Cons

  • Limited loan sizes
  • Available to NatWest customers only

Sources: Source

10. Swoop Funding

Swoop Funding acts as a lending comparison platform connecting businesses to multiple lenders. It is suitable for borrowers exploring a broad range of loan options without dealing directly with lenders. Swoop Funding offers a quick comparison service to help identify appropriate working capital financing aligned with borrower requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1-5 years ⌛

Services & Industries

  • Finance Types: Comparison Service
  • Industries: Various

Pros

  • Access to multiple lenders
  • Quick comparison service

Cons

  • Dependent on lender approval
  • Not a direct lender

Sources: Source

How to choose

When choosing the best lender for a 100k to 150k working capital loan, consider your business size, credit profile, and need for speed or flexibility. Match loan amounts and APRs to your budget, ensuring the repayment schedule fits your cash flow and seasonal variations. Check if the lender requires collateral or offers unsecured options. Evaluate application timelines and the ease of access, including whether you prefer direct lending or brokerage services. Finally, review fees and early repayment conditions before making a decision.

Conclusion

Choosing the right provider depends on your specific financing needs. Bank lenders like Barclays and NatWest suit established businesses seeking traditional loans with regulatory oversight. Brokers and comparison services such as Funding Agent and Swoop Funding offer access to multiple lenders and faster application processes. Specialist lenders can address particular requirements but may involve different criteria or collateral demands. Always review the terms carefully to align options with your business goals for loans around 100 to 150 thousand pounds.

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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
2Century Business FinanceCentury Business Finance offers quick and simple funding for UK-based SMEs, with competitive terms for working capital and growth financing.£10,000–£250,000; 0%–0% APR; 1-5 years
3HSBCHSBC provides a wide variety of business loans suitable for working capital, asset purchases, or business expansion, with flexible terms tailored to individual business needs.£1,000–£50,000; 5.7%–18.9% APR; 1-10 years
4FleximizeFleximize offers flexible lending solutions to UK SMEs, providing both unsecured and secured options with quick decisions and competitive rates.£10,000–£750,000; 6.9%–9.6% APR; 6-72 months
5Clifton Private FinanceClifton Private Finance specializes in providing large and varied business loans to support substantial investments and business expansions, offering professional advice tailored to your needs.£20,000–£25,000,000; 7%–20% APR; 1-25 years
6BarclaysBarclays supports business growth through a variety of funding solutions ranging from small to large loans, with tailored interest rates linked to the Bank of England base rate.£1,000–£25,000,000; 0%–0% APR; 1-10 years
7Spark FinanceSpark Finance is dedicated to empowering SMEs with straightforward and flexible financing solutions, offering competitive rates and clear repayment terms.£100,000–£1,000,000; 5%–25% APR; 6 months-6 years
8IwocaIwoca offers fast, flexible, and accessible financing for UK businesses looking for loans with quick decisions and adaptable terms tailored to their needs.£1,000–£1,000,000; 18%–35% APR; 1-12 months
9NatWestNatWest supports UK businesses with comprehensive financial solutions, including small business loans tailored for growth and operational needs.£1,000–£25,000; 6.9%–0% APR; 1-5 years
10Swoop FundingSwoop Funding is a financial intermediary offering business loans by comparing a broad range of available lenders, ensuring businesses can access the most suitable loan options quickly.£5,000–£5,000,000; 0%–0% APR; 1-5 years
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