best lenders to secure a 100k working capital 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 2025-12-08.
1. Funding Agent
Funding Agent provides a variety of business loans aimed at supporting small to medium enterprises. It focuses on quick approval processes and flexible terms suitable for UK SMEs looking for working capital or growth funding. Here's what to know:
Loan Details
- Min Amount: £10,000
- Max Amount: £1,000,000
- Min APR: 5%
- Max APR: 15%
- Loan Duration: 6–72 months⌛
Services & Industries
- Finance Types: Working Capital Loan, Business Expansion Loan
- Industries: Technology, Healthcare, Manufacturing
Pros
- Competitive APR
- Flexible terms
Cons
- Eligibility criteria apply
Sources: Funding Agents 100k Working Capital Business Loans
2. HSBC
HSBC offers a broad spectrum of business loans catering to growth, working capital, or refinancing needs. It supports UK SMEs with flexible options and quick access, often secured on assets or cash flow. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £25,000
- Min APR: 5.8%
- Max APR: 5.8%
- Loan Duration: 1–10 years⌛
Services & Industries
- Finance Types: Fixed-rate loans, Variable-rate loans
- Industries: Retail, Finance, Construction
Pros
- Global reach
- Reliable services
Cons
- Strict eligibility criteria
Sources: https://www.hsbc.co.uk/loans/
3. Clifton Private Finance
Clifton Private Finance mainly facilitates tailored financial products to businesses seeking specialised funding solutions. It supports property purchase, development, and secured lending, offering flexibility with security requirements. Here's what to know:
Loan Details
- Min Amount: £50,000
- Max Amount: £1,000,000
- Min APR: 7%
- Max APR: 20%
- Loan Duration: 12-60 months⌛
Services & Industries
- Finance Types: Bridging Finance, Unsecured Loans, Secured Loans
- Industries: Real Estate, Agriculture
Pros
- High loan limits
- Various financing options
Cons
- Higher interest rates for unsecured loans
Sources: https://www.cliftonpf.co.uk/blog/05122023183052-business-loan-interest-rates/
4. Swoop Funding
Swoop Funding offers access to a wide variety of lenders through its platform, supporting businesses in finding funding suited to their needs. It specialises in quick approvals for business loans, including secured and unsecured options, with flexible repayment structures. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 3.9%
- Max APR: 12%
- Loan Duration: 1-24 months⌛
Services & Industries
- Finance Types: Term Loans, Asset Finance
- Industries: Technology, Services
Pros
- Wide range of lenders
- Fast application process
Cons
- Platform fees apply
Sources: https://www.fundingagent.co.uk/lender-reviews/swoop-funding-reviews
5. iwoca
iwoca provides a fast and accessible way for small businesses to access credit, mainly through flexible short-term and working capital loans. It aims to support UK SMEs seeking simple application processes, quick access, and variable terms. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 5%
- Max APR: 20%
- Loan Duration: 1-24 months⌛
Services & Industries
- Finance Types: Credit lines, Working Capital Loans
- Industries: Retail, E-commerce
Pros
- No early repayment fees
- Quick approval
Cons
- Higher APR for short-term loans
Sources: https://www.iwoca.co.uk/small-business-loans
6. Barclays
Barclays offers a range of business loans tailored to different needs and sectors. It supports UK SMEs looking for flexible options, often secured on assets or cash flow, with quick access and choice of security types. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £100,000
- Min APR: 11.2%
- Max APR: 14.9%
- Loan Duration: 1–10 years⌛
Services & Industries
- Finance Types: Unsecured Loans, Secured Loans
- Industries: Technology, Real Estate
Pros
- Established bank
- Credible financial solutions
Cons
- Potential for高 APR
Sources: https://www.barclays.co.uk/business-banking/
7. 365 Finance
365 Finance offers specialised finance solutions often tailored for SMEs needing flexible repayment and credit structures. It focuses on revenue-based options and rapid approvals for short to medium-term funding, suitable for growth or operational needs. Here's what to know:
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: No fixed term⌛
Services & Industries
- Finance Types: Revenue-Based Finance, Merchant Cash Advances
- Industries: Retail, Hospitality
Pros
- No fixed terms
- No APR
Cons
- Repayments can vary monthly
Sources: https://www.365finance.co.uk/merchant-cash-advance/
8. MAF Finance Group
MAF Finance Group supplies a range of financing options focusing on asset financing, equipment loans, and working capital solutions. It caters to UK SMEs seeking flexible, asset-backed funding or equipment finance for business growth. Here's what to know:
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3-72 months⌛
Services & Industries
- Finance Types: Asset Finance, Equipment Finance, Working Capital Loans
- Industries: Construction, Healthcare
Pros
- Expert advice
- Wide range of loans
Cons
- Variable rates
Sources: https://maffinancegroup.co.uk/products/business-loans
9. Spark Finance
Spark Finance offers flexible funding solutions suitable for various business needs, including quick access to business loans. It provides transparent terms and options for growth, working capital, and operational funding for UK SMEs. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £5,000,000
- Min APR: 5%
- Max APR: 15%
- Loan Duration: 6-72 months⌛
Services & Industries
- Finance Types: Short-term Loans, Long-term Loans
- Industries: Energy, Manufacturing
Pros
- Competitive rates
- Customizable options
Cons
- Potential for higher APR for riskier loans
Sources: https://www.sparkfinance.co.uk/for-businesses/business-funding-solutions/business-loans
10. Triodos Bank
Triodos Bank specialises in sustainable and impact-oriented loans, supporting projects that generate social or environmental benefits. It offers suitable finance options for businesses focused on positive societal change and environmental sustainability. Here's what to know:
Loan Details
- Min Amount: £25,000
- Max Amount: £20,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1-25 years⌛
Services & Industries
- Finance Types: Sustainable Project Financing, Community Loans
- Industries: Renewable Energy, Non-profit
Pros
- Ethical banking
- Sustainability-focused
Cons
- Stricter credit checks
Sources: https://www.triodos.co.uk/business-lending
How to choose
Match loan size and APR to your budget, check eligibility, and balance speed against flexibility. Consider how repayments fit your franchise cash flow and seasonality. Review lender criteria, fees, and early repayment terms before applying. For securing a 100k working capital loan, consider whether a bank offers quick, flexible, unsecured options or if brokered or specialist lenders provide tailored solutions. Evaluate whether collateral is required and if speed or long-term stability is more important for your business needs. Choosing the right lender depends on your business size, sector, and repayment capacity.
Conclusion
Matching lender types to your needs depends on your use case. Bank lenders typically offer quick, straightforward products for SMEs with good credit and assets. Brokers can help access broader options, including specialised and unsecured loans. Sector-specific or impact lenders focus on sustainability and social benefits. Always verify current costs and terms directly with the lender; pricing and conditions can change. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Other providers suit larger amounts, asset-backed needs, or sector specialisms. Always confirm costs and terms with the lender before applying.
