January 13, 2026
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best lenders to secure a 210k unsecured business loan

best lenders to secure a 210k unsecured business loan

Discover the best lenders to secure a £210,000 unsecured business loan. Compare UK options with flexible terms, competitive rates, and fast approval processes.
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 210k unsecured 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 2026-01-13.

Quick Compare:

1Funding AgentFunding Agent offers secured and unsecured business loans with a streamlined application process and quick approvals.£210,000–£500,000; 6.9%–15% APR; 12–60 months
2Funding CircleFunding Circle is a peer-to-peer lending marketplace focused on providing small businesses with high capital flexibility through unsecured and secured loans, tailored for different business stages and growth requirements.£10,000–£750,000; 6.9%–14.9% APR; 6–72 months
3FleximizeFleximize is known for its flexible financial products including unsecured loans, designed to accommodate the cash flow needs of SMEs, with personalized service and rapid funding options.£10,000–£500,000; 10.8%–47.9% APR; 3–48 months
4BarclaysBarclays provides a wide array of financial solutions including unsecured loans for businesses of different sizes.£1,000–£100,000; 8.5%–14.9% APR; 12–120 months
5365 Finance365 Finance specializes in alternative business funding solutions including merchant cash advances and unsecured loans, providing swift and flexible financing options.£10,000–£500,000; 0%–0% APR; Flexible
6MAF Finance GroupMAF Finance Group offers a comprehensive array of lending solutions tailored for SMEs and large enterprises, ranging from unsecured finance to structured financial products.£10,000–£750,000; 0%–0% APR; 3–72 months
7GoCompareGoCompare offers an extensive marketplace for comparing business loans among numerous UK lenders, providing businesses with access to detailed comparisons to make informed decisions.£10,000–£5,000,000; 6%–20% APR; Varies
8Merchant SavvyMerchant Savvy provides detailed analysis and comparison of business loans to help businesses secure the best terms and rates available in the market.£0–£0; 9.6%–0% APR; Varies
9MoneySuperMarketMoneySuperMarket is a price comparison website that allows businesses to easily compare loan options from multiple lenders, focusing on providing transparent and easy-to-understand information.£0–£0; 6.5%–16% APR; Varies
10Funding OptionsFunding Options provides an advanced platform for businesses to match with eligible lenders, simplifying the process of obtaining business credit and facilitating a wide range of financial solutions.£1,000–£20,000,000; 6.8%–15% APR; 1–60 months

1. Funding Agent

Funding Agent offers a range of business finance options including unsecured loans and asset-backed options. Suitable for franchise buyers and operators, it provides a streamlined process for quick access to funding. You can expect quick approvals and flexibility in terms of loan security and repayment methods. Here’s what to know:

Loan Details

  • Min Amount: £210,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 15%
  • Loan Duration: 12–60 months⌛

Services & Industries

  • Finance Types: Unsecured Loan
  • Industries: Various

Pros

  • Fast approval
  • Competitive rates

Cons

  • Strict eligibility criteria

Sources: https://www.fundingagent.co.uk/financing-options/210k-unsecured-business-loans

2. Funding Circle

Funding Circle focuses on peer-to-peer lending for small business finance, offering unsecured and secured options. It provides access to flexible capital, suitable for franchise acquisition and growth. Known for brokered access and competitive terms, it supports businesses seeking high flexibility. Here’s what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 14.9%
  • Loan Duration: 6–72 months⌛

Services & Industries

  • Finance Types: Unsecured Loan, Secured Loan, Line of Credit
  • Industries: Small Businesses, Various Sectors

Pros

  • No early settlement fees
  • Flexible terms

Cons

  • Requires strong business credit

Sources: https://www.fundingcircle.co.uk/,https://aptpayment.co.uk/business-loans/funding-circle/ https://www.fundingcircle.co.uk/,https://aptpayment.co.uk/business-loans/funding-circle/

3. Fleximize

Fleximize provides flexible working capital solutions including unsecured and secured loans. It offers quick access and customisable repayment options. Suitable for franchise businesses seeking rapid funding and flexible terms, it supports diverse cash flow needs. Here’s what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 10.8%
  • Max APR: 47.9%
  • Loan Duration: 3–48 months⌛

Services & Industries

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

Pros

  • Loyalty discounts
  • Broad eligibility

Cons

  • High APR for short-term

Sources: https://www.fleximize.co.uk/,https://www.capalona.co.uk/our-lenders/fleximize/ https://www.fleximize.co.uk/,https://www.capalona.co.uk/our-lenders/fleximize/

4. Barclays

Barclays offers a variety of business loan options including unsecured and secured products. It caters to a wide range of business sizes and types, supporting franchise operations and other sectors. Known for brokered access and flexible repayment options, suitable for those who prefer banking relationships. Here’s what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 8.5%
  • Max APR: 14.9%
  • Loan Duration: 12–120 months⌛

Services & Industries

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

Pros

  • Reputable bank
  • Flexible terms

Cons

  • Higher rates for lower amounts

Sources: https://www.barclays.co.uk/business-banking/borrow/loans/

5. 365 Finance

365 Finance provides alternative business funding options including merchant cash advances and unsecured loans. It supports businesses requiring fast access and flexible repayment terms. Suitable for franchise operations looking for quick funding solutions, with a variety of repayment structures. Here’s what to know:

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, Unsecured Loan
  • Industries: SME, Retail

Pros

  • No fixed APR
  • Fast funding

Cons

  • Repayment tied to revenue

Sources: https://www.365finance.co.uk/merchant-cash-advance/

6. MAF Finance Group

MAF Finance Group offers a broad range of lending solutions including unsecured and secured options. It supports both SMEs and large enterprises in securing funding, often via broker channels. Known for variety and large loan sizes, it caters to diverse business needs. Here’s what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3–72 months⌛

Services & Industries

  • Finance Types: Unsecured Loan, Secured Loan
  • Industries: Professional Services, Manufacturing

Pros

  • Variety of products
  • Access to large loans

Cons

  • Complex application processes

Sources: https://maffinancegroup.co.uk/products/business-loans/unsecured-business-loans

7. GoCompare

GoCompare offers a comparison service for business loans across many UK lenders. It provides detailed comparisons to help find suitable finance options. Ideal for franchisees and businesses seeking transparent terms, it connects users with brokers and lenders for tailored solutions. Here’s what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 6%
  • Max APR: 20%
  • Loan Duration: Varies⌛

Services & Industries

  • Finance Types: Comparison Service
  • Industries: Various

Pros

  • Comprehensive comparisons
  • Broad lender access

Cons

  • Indirect application process

Sources: https://www.gocompare.com/loans/business/

8. Merchant Savvy

Merchant Savvy provides detailed analysis and comparison for business loans, aiding in finding the best rates and terms. Suitable for businesses across sectors, it offers insights into different financing options with broker access for larger loans. It helps firms choose the right financing for their needs. Here’s what to know:

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 9.6%
  • Max APR: 0%
  • Loan Duration: Varies⌛

Services & Industries

  • Finance Types: Comparator
  • Industries: Various

Pros

  • Comprehensive information
  • User-friendly

Cons

  • No direct lending

Sources: https://www.merchantsavvy.co.uk/business-finance/business-loans/

9. MoneySuperMarket

MoneySuperMarket offers a platform for comparing unsecured business loans from various lenders. It helps businesses find competitive rates and transparent terms quickly. Ideal for franchisees and SMEs seeking easy comparison tools and detailed information. Here’s what to know:

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 6.5%
  • Max APR: 16%
  • Loan Duration: Varies⌛

Services & Industries

  • Finance Types: Comparator
  • Industries: Various

Pros

  • Simple comparison process
  • Extensive choice

Cons

  • No direct finance products

Sources: https://www.moneysupermarket.com/business-finance/unsecured-business-loans/

10. Funding Options

Funding Options offers a platform to connect businesses with various lenders, providing flexible financial solutions including unsecured loans. It is suitable for those seeking straightforward access to funding and brokered deals. It supports different loan types and sizes, often via a broad network of partners. Here’s what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £20,000,000
  • Min APR: 6.8%
  • Max APR: 15%
  • Loan Duration: 1–60 months⌛

Services & Industries

  • Finance Types: Marketplace
  • Industries: Various

Pros

  • Diverse financing partners
  • Quick application process

Cons

  • No direct lending

Sources: https://www.fundingoptions.com/knowledge/business-loans/

How to choose

When selecting a provider for a 210 thousand pounds unsecured business loan, consider the size of the loan and the interest rate. Bank lenders tend to offer more stability and lower APRs but may have stricter requirements. Brokers and marketplaces provide access to multiple lenders and flexible options but may involve additional fees. Evaluate eligibility criteria, repayment options, and speed of approval to find the best fit. It is also important to review the terms and any early repayment penalties. Matching your financing needs to a lender’s capabilities will help secure favourable conditions quickly.

Conclusion

Matching the right provider depends on your specific needs. Banks are suited for larger, secure loans with reliable terms. Brokers and online marketplaces offer quicker access and a wider choice, especially for unsecured loans like the 210 thousand pounds loan. Always verify the latest costs and terms with the lender or platform. Funding Agent is a strong option for those looking for quick comparisons across multiple providers. Consider the loan purpose and security preferences when choosing your funding source.

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