January 23, 2026
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Best Lenders to secure a 200k to 250k Working Capital Loan

Best Lenders to secure a 200k to 250k Working Capital Loan

Discover the best lenders offering working capital loans between £200,000 and £250,000. Find competitive rates, terms, and quick approval to support your business growth.
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 200k to 250k 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 offers a platform focused on helping UK SMEs compare business finance options efficiently. It is typically suited for SMEs seeking working capital or other unsecured loans with flexible terms. The provider emphasises quick eligibility checks and a straightforward application process without collateral requirements.

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 specialises in long-term business loans for UK SMEs, aiming to support business expansion and working capital needs. It is generally suited for borrowers looking for fixed terms with a straightforward lending structure. The provider offers a fast decision timeline and no early repayment penalties, focusing on simplicity over a variety of loan products.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Long-term Business Loans
  • Industries: Various

Pros

  • Same-day approval
  • No early repayment fees

Cons

  • APR varies based on creditworthiness

Sources: Source

3. SWIG Finance

SWIG Finance focuses on offering unsecured business loans primarily to SMEs located in the South and West Country regions. The provider suits customers looking for straightforward financing with a fixed APR and moderate loan sizes. Their services typically do not require tangible security, highlighting regional economic support as a key aspect.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £250,000
  • Min APR: 12%
  • Max APR: 12%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans
  • Industries: Various

Pros

  • No tangible assets required as security

Cons

  • Limited to South and West Country

Sources: Source

4. Fleximize

Fleximize provides unsecured and secured business loans with flexible repayment options. It is suitable for UK SMEs seeking tailored funding over short to medium terms, especially those valuing customer service and adaptability. The provider commonly requires director guarantees and supports a variety of loan sizes.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0.9%
  • Max APR: 3.9%
  • Loan Duration: 1 to 48 months ⌛

Services & Industries

  • Finance Types: Unsecured and Secured Business Loans
  • Industries: Retail, Services

Pros

  • Flexible repayment options

Cons

  • Director guarantees required

Sources: Source

5. Funding Circle

Funding Circle acts as an online marketplace connecting SMEs with investors for term loans and other finance products. The platform suits businesses seeking relatively fast access to funding with varied loan amounts and terms. Borrowers should be aware of applicable fees and suitability of loan offers based on credit profile.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: 6 to 72 months ⌛

Services & Industries

  • Finance Types: Term Loans
  • Industries: Various

Pros

  • Fast decision making

Cons

  • One-off fees apply

Sources: Source

6. NatWest

NatWest provides a range of fixed rate business loans suitable for varying business sizes, from startups to established firms. This lender fits SMEs prioritising familiar banking relationships and diverse product offerings. Loan terms vary, with rates influenced by credit assessments and collateral arrangements.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £250,000
  • Min APR: 10%
  • Max APR: 15%
  • Loan Duration: 1 to 7 years ⌛

Services & Industries

  • Finance Types: Fixed Rate Business Loans
  • Industries: Legal, Accountancy, Real Estate

Pros

  • Wide availability

Cons

  • Interest rates depend on credit rating

Sources: Source

7. Barclays

Barclays offers unsecured and secured business loans, targeting a broad range of industry sectors. This lender is suited for SMEs needing comprehensive banking services alongside financing options. Loan programmes vary greatly in terms, rates, and conditions, catering to multiple business requirements.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 11.2%
  • Max APR: 34.5%
  • Loan Duration: Varies ⌛

Services & Industries

  • Finance Types: Unsecured and Secured Business Loans
  • Industries: Manufacturing, Retail, Healthcare

Pros

  • Multiple sectors served

Cons

  • High maximum APR

Sources: Source

8. 365 Finance

365 Finance specialises in revenue-based finance with flexible repayment tied to business performance. It suits SMEs in sectors like retail that value adaptable terms over fixed schedules. The provider typically supports businesses with existing card payment capabilities seeking alternative working capital options.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Revenue-Based Finance
  • Industries: Retail

Pros

  • No fixed terms or APR
  • High approval rate

Cons

  • Specific to card-accepting businesses

Sources: Source

9. White Oak UK

White Oak UK is an independent finance provider delivering varied loan and invoice finance options to a large SME base. It fits businesses needing flexible funding solutions with access to larger loan sizes. Terms vary and arrangement fees may apply, reflecting the provider's broad product offering.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 6.95%
  • Max APR: 0%
  • Loan Duration: Varies ⌛

Services & Industries

  • Finance Types: Business Loans, Invoice Finance
  • Industries: Various

Pros

  • Large loan sizes
  • Diverse product offering

Cons

  • Arrangement fees apply

Sources: Source

10. SME Loans

SME Loans focuses on small business lending with various unsecured and cash flow loan options. This lender usually attracts SMEs requiring straightforward funding solutions without complex APR structures. Their online process is designed for ease of use and serves a broad range of industries.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 7 years ⌛

Services & Industries

  • Finance Types: Cash Flow Loans, Unsecured Loans
  • Industries: Various

Pros

  • Easy online application

Cons

  • APR details not specified

Sources: Source

How to choose

When selecting a lender for a 200 to 250 thousand pounds working capital loan, consider the loan size and match it with your business needs. Evaluate APRs alongside total borrowing costs and assess eligibility to streamline the application. Take into account whether you need speed or flexible repayment options to suit cash flow seasonality. Review collateral or security requirements, as some providers may require guarantees or assets. Brokered lenders can offer access to multiple options, while banks may provide established relationships but more rigid terms. Always balance fees and early repayment conditions before committing.

Conclusion

Choosing the right lender depends on your specific use case and loan requirements. Banks typically offer stability and comprehensive services but may have stricter lending criteria. Brokers can provide access to a wider range of options, suitable for borrowers needing a tailored approach. Specialist lenders often focus on niche markets or loan types with flexible terms. Funding Agent serves as a useful tool to compare multiple options quickly for 200 thousand pounds loans. Ensure you verify all terms and conditions with the lender before proceeding.

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FAQs

What is a working capital loan?
How do I qualify for a £200k to £250k working capital loan?
Which lenders offer loans between £200,000 and £250,000?
What are the typical interest rates for these loans?
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Can I use a working capital loan for any business expense?

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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 provides fast business loans for UK SMEs, supporting business growth with flexible finance solutions.£10,000–£250,000; 0%–0% APR; 12 to 60 months
3SWIG FinanceSWIG Finance provides SMEs in the South and West Country with affordable business loans, supporting regional economic development.£25,001–£250,000; 12%–12% APR; 12 to 60 months
4FleximizeFleximize offers flexible funding solutions tailored to meet the needs of UK SMEs, with a focus on supportive customer service.£5,000–£500,000; 0.9%–3.9% APR; 1 to 48 months
5Funding CircleFunding Circle is a global online platform connecting small businesses with investors, offering fast and affordable business loans.£10,000–£750,000; 6.9%–0% APR; 6 to 72 months
6NatWestNatWest offers a range of financial services and products tailored to the needs of businesses, from startups to established companies.£1,000–£250,000; 10%–15% APR; 1 to 7 years
7BarclaysBarclays provides comprehensive banking solutions and business support to a wide range of industry sectors.£1,000–£100,000; 11.2%–34.5% APR; Varies
8365 Finance365 Finance offers innovative finance solutions for UK SMEs, focusing on flexible repayment options based on revenue.£10,000–£500,000; 0%–0% APR; Flexible
9White Oak UKWhite Oak UK is an independent business finance provider offering a variety of flexible funding solutions to over 20,000 SMEs in the UK.£25,000–£2,000,000; 6.95%–0% APR; Varies
10SME LoansSME Loans specialize in small business lending, offering various types of loans to support the growth of UK businesses.£1,000–£500,000; 0%–0% APR; 1 to 7 years
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