January 23, 2026
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Best Lenders to secure a 150k to 200k Working Capital Loan

Best Lenders to secure a 150k to 200k Working Capital Loan

Discover the top lenders offering working capital loans between £150,000 and £200,000. Compare rates, terms, and requirements to secure funding for your business today.
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 150k to 200k 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 Funding Agent focuses on brokering unsecured business loans, merchant cash advances, and working capital finance. It is suited for UK SMEs looking for a straightforward, quick application process with a variety of finance options. The platform emphasises fast eligibility matching and offers flexibility 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

Sources: Funding Agent

2. Barclays

Barclays Barclays offers a variety of bank business loans including overdrafts and mortgages tailored for working capital needs. It is typically suited for SMEs and larger businesses that value comprehensive banking services and established credit facilities. Their lending tends to involve fixed terms and may require security or collateral depending on loan type.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Business Loans, Overdrafts, Mortgages
  • Industries: Retail, Manufacturing, Real estate, Healthcare

Pros

  • Global banking network
  • Comprehensive business services

Cons

  • Higher interest rates for smaller loans

Sources: Source

3. SWIG Finance

SWIG Finance SWIG Finance provides bespoke unsecured loans designed for SMEs, focusing on local business support. It suits UK small businesses seeking flexible funding without additional fees. Their offerings typically feature straightforward repayment terms, though some details remain undisclosed.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: SME Loans, Unsecured Loans
  • Industries: SME sector

Pros

  • Supports local businesses
  • No hidden fees

Cons

  • Regional restrictions

Sources: Source

4. Lloyds Bank

Lloyds Bank Lloyds Bank provides traditional business loans and commercial mortgages with sector-specific expertise. It is appropriate for SMEs in manufacturing, retail, and other industries requiring stable financing with structured repayments. Their loans may require security and have transparent terms focused on business growth.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 11.2%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Business Loans, Commercial Mortgages
  • Industries: Legal, Retail, Manufacturing, Healthcare

Pros

  • Strong sector expertise
  • Nationwide services

Cons

  • Limited APR transparency

Sources: Source

5. NatWest

NatWest NatWest offers tailored business loans and overdraft facilities aimed at supporting SME growth and working capital demands. It suits small to medium enterprises seeking a reputable high street bank with a focus on digital banking solutions and flexible repayment options. Loan structures may vary based on risk and business profile.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 10%
  • Max APR: 15%
  • Loan Duration: 12–84 months ⌛

Services & Industries

  • Finance Types: Business Loans, Business Overdrafts
  • Industries: Small Business, Corporate Clients

Pros

  • Established brand
  • Comprehensive digital banking

Cons

  • Higher APR for certain loans

Sources: Source

6. Century Business Finance

Century Business Finance Century Business Finance specialises in quick access to business loans for working capital and asset financing. It is suitable for SMEs needing adaptable, mid-range loans with straightforward terms. Repayment options are designed to match various business cash flow requirements without complex collateral.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 12–72 months ⌛

Services & Industries

  • Finance Types: Working Capital Loans, Asset Finance, Long-Term Loans
  • Industries: Small to Medium Enterprises

Pros

  • Fast access to funds
  • Flexible solutions

Cons

  • Limited APR information

Sources: Source

7. White Oak

White Oak White Oak offers flexible working capital and short-term loans designed for SMEs across various sectors. It is ideal for businesses seeking fast approval and easy access to finance without upfront deposit requirements. Security terms and detailed loan specifics are designed to accommodate diverse business needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Working Capital Loans, Short-Term Loans
  • Industries: Various sectors

Pros

  • No deposit financing
  • Fast approval

Cons

  • Limited branch network

Sources: Source

8. 365 Finance

365 Finance 365 Finance provides revenue-based funding without fixed terms or APRs, enabling adaptable repayment aligned to business income. This finance model suits growing SMEs seeking flexible funding that adjusts with cash flow variations. It is less conventional and does not require typical collateral or fixed schedules.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible, no fixed terms ⌛

Services & Industries

  • Finance Types: Revenue-Based Finance, Financial Consulting
  • Industries: Various sectors

Pros

  • No fixed terms
  • High approval rate

Cons

  • No clear APR structure

Sources: Source

9. Fleximize

Fleximize Fleximize is a lender offering flexible business loans, including secured and unsecured options adapted for SME needs. It fits businesses seeking rapid decisions and customised loan durations. Fleximize aims to balance accessibility with tailored repayment schedules and terms.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1–48 months ⌛

Services & Industries

  • Finance Types: Business Loans, Short-Term Loans, Secured & Unsecured Loans
  • Industries: Various sectors

Pros

  • Rapid approval
  • Customer focused

Cons

  • Director guarantees required

Sources: Source

10. HSBC

HSBC HSBC is a global bank offering a broad range of business financial products including working capital loans. It is suited for businesses that require secure financing with comprehensive support and established reputation. Loan terms may include collateral and structured repayment plans tailored to sector and risk profile.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 5%
  • Max APR: 15%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: Business Loans, Asset Financing
  • Industries: Manufacturing, Retail, Real estate

Pros

  • Global presence
  • Comprehensive services

Cons

  • More stringent qualification criteria

Sources: Source

How to choose

When choosing the best lender for a 150k to 200k working capital loan, consider the fit between loan size and repayment flexibility. Assess lender eligibility criteria carefully to ensure you qualify. Prioritise speed if cash flow needs are urgent, but balance this against the flexibility of terms and security requirements. Look for providers that offer repayment schedules aligned to your franchise's cash flow and seasonality. Be sure to review all fees and terms, including early repayment penalties, before committing. Comparing brokered and direct lender options can also uncover the best solution for your specific business needs.

Conclusion

Choosing the right lender depends on your business profile and loan purpose. Banks such as Barclays, Lloyds, NatWest, and HSBC are suitable for established businesses seeking comprehensive services and potentially secured loans. Brokers like Funding Agent can offer faster access and more unsecured options for SMEs wanting flexibility and speed. Specialist lenders may cater to niche needs or offer more adaptive financing structures. Always confirm terms and costs before applying; prices and availability can change. Funding Agent remains a useful starting point for comparing multiple options for a 200 thousand pounds loan.

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FAQs

What is a working capital loan?
Which lenders offer working capital loans between £150k and £200k?
What are the typical interest rates for working capital loans in this amount?
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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
2BarclaysBarclays is a major UK bank offering a wide range of business loans, including working capital solutions tailored for SMEs and larger enterprises.£1,000–£10,000; 11.2%–14.9% APR; 12–60 months
3SWIG FinanceSWIG Finance offers finance solutions designed for SMEs, supporting local businesses with bespoke funding options up to £250,000.£25,001–£250,000; 0%–0% APR; Unknown
4Lloyds BankLloyds Bank offers a variety of banking and financial services, providing targeted support for sectors like manufacturing and retail.£5,000–£50,000; 11.2%–11.2% APR; 12–60 months
5NatWestAs a major retail and commercial bank, NatWest provides tailored financial solutions including business loans for growth and working capital.£1,000–£100,000; 10%–15% APR; 12–84 months
6Century Business FinanceCentury Business Finance provides quick business loans designed to meet various financing needs from working capital to equipment purchase.£10,000–£250,000; 0%–0% APR; 12–72 months
7White OakWhite Oak UK specializes in providing flexible business finance solutions, serving SMEs with a broad range of services, including working capital finance.£5,000–£250,000; 0%–0% APR; Unknown
8365 Finance365 Finance offers revenue-based funding that avoids APRs and fixed terms, providing an adaptive finance model for growing businesses.£5,000–£500,000; 0%–0% APR; Flexible, no fixed terms
9FleximizeFleximize is an award-winning UK lender offering flexible loans for SMEs, providing both secured and unsecured options tailored to business needs.£10,000–£1,500,000; 0%–0% APR; 1–48 months
10HSBCAs one of the world’s largest banking institutions, HSBC provides a variety of business financial services, including tailored working capital loans for UK businesses.£5,000–£500,000; 5%–15% APR; 6–60 months
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