January 23, 2026
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Best Lenders to secure a 210k Working Capital Loan

Best Lenders to secure a 210k Working Capital Loan

Discover the best lenders to secure a £210k working capital loan. Compare options, interest rates, and find the right fit for your business needs.
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 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 focuses on helping UK SMEs access and compare a variety of business finance options quickly. It is typically suitable for businesses seeking unsecured working capital or merchant cash advances. The platform offers a straightforward application, quick eligibility checks, and access to multiple lenders with flexible terms and varied repayment options.

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. Funding Circle

Funding Circle operates as a peer-to-peer lending platform providing term loans for SMEs. It is well suited for businesses requiring medium to larger sums with clear repayment terms. The loans generally feature competitive interest rates and a focus on business creditworthiness over collateral.

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: Term Loans, Business Loans
  • Industries: Various

Pros

  • Fast application process
  • Competitive interest rates

Cons

  • Higher borrowing costs for specific terms

Sources: Source

3. Fleximize

Fleximize provides flexible business loans with options for revenue-based repayments. It generally suits SMEs needing adaptable financing without strict collateral requirements. Their offer includes variable loan durations and a focus on convenience for businesses with fluctuating cash flow.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 9.6%
  • Max APR: 0%
  • Loan Duration: Variable ⌛

Services & Industries

  • Finance Types: Business Loans, Revenue-based Finance
  • Industries: Various

Pros

  • Flexible loan solutions
  • Loyalty benefits

Cons

  • Higher rates for unsecured loans

Sources: Source

4. Barclays

Barclays offers a range of traditional bank business loans and overdrafts. It typically suits businesses looking for established financial services possibly backed by some security. The lender provides both fixed and variable rates, with longer loan durations and comprehensive support through its banking platform.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1–10 years ⌛

Services & Industries

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

Pros

  • Comprehensive online banking features
  • Established financial institution

Cons

  • Strict eligibility criteria

Sources: Source

5. 365 Finance

365 Finance focuses on merchant cash advances and revenue-based finance solutions. It is suited to businesses in retail and hospitality seeking flexible cash flow support without fixed repayment schedules. This provider offers options designed to align repayments with card transaction volumes and business seasonality.

Loan Details

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

Services & Industries

  • Finance Types: Revenue-Based Finance, Unsecured Loans
  • Industries: Retail, Hospitality

Pros

  • Flexible repayment options
  • High approval rates

Cons

  • Details on APR not clearly outlined

Sources: Source

6. MAF Finance Group

MAF Finance Group provides both secured and unsecured business loans through a panel of specialist lenders. Their offerings are fit for companies needing tailored lending solutions with options for collateral and personal guarantees. This service suits businesses looking for flexibility in loan size and terms across varied industries.

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: Secured Loans, Unsecured Loans
  • Industries: Various

Pros

  • Access to diverse financial options
  • Specialist lender panel

Cons

  • Personal guarantee required for unsecured loans

Sources: Source

7. GoCompare

GoCompare serves as a comparison platform that aggregates offers from multiple business loan providers. It benefits SMEs looking to find varied product options and loan conditions in one place. The service emphasises ease of comparison across rates, terms, and flexibility without lending directly.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 24%
  • Loan Duration: 6–72 months ⌛

Services & Industries

  • Finance Types: Comparison Service, Business Loans
  • Industries: Various

Pros

  • Easy comparison of multiple lenders
  • Wide range of options

Cons

  • Rates can vary significantly

Sources: Source

8. SumUp

SumUp offers merchant cash advances based on historic credit card transaction data. It is useful for SMEs that regularly accept card payments and require fast access to funds without traditional loan applications. The repayment is directly linked to card sales, providing variable payment amounts aligned with business turnover.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £150,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Merchant Cash Advance
  • Industries: Retail, Hospitality

Pros

  • No complex paperwork
  • Repayments based on card sales

Cons

  • Available only to card-accepting businesses

Sources: Source

9. DNA Financial Solutions

DNA Financial Solutions provides consulting and loan brokerage services tailored to SME needs. It is suitable for businesses looking for financial advice and options rather than direct lending. The focus is on guiding businesses through funding options across a range of industries with flexible loan terms sourced from various lenders.

Loan Details

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

Services & Industries

  • Finance Types: Business Finance Consulting, Loan Brokerage
  • Industries: Various

Pros

  • Tailored financial advice

Cons

  • Loan specifics not directly available

Sources: Source

10. Tide

Tide offers business loans alongside business banking services, targeting SMEs requiring fast decisions and straightforward applications. It is appropriate for businesses that want integrated banking and lending solutions with competitive rates. Their loans are accessible for a wide range of industries with varying repayment durations.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £20,000,000
  • Min APR: 7%
  • Max APR: 14%
  • Loan Duration: 12–60 months ⌛

Services & Industries

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

Pros

  • Fast decision making
  • Simple online application

Cons

  • Higher rates for larger amounts

Sources: Source

How to choose

When selecting a lender for a 210k working capital loan, prioritise matching the loan size and APR with your financial capacity. Check each provider's eligibility criteria and consider how quickly funds are available. Flexibility in repayment terms and whether collateral is required can vary widely. Also, evaluate whether brokered access or direct bank lending suits your needs. Finally, review all fees and early repayment options to avoid surprises and ensure repayments fit your cash flow and seasonal business cycles.

Conclusion

Choosing the right lender depends on your business needs and loan purpose. Banks typically offer established products for secured or unsecured loans but may have stricter criteria. Brokers provide access to a panel of lenders for more tailored options, while specialists focus on niche finance solutions like merchant cash advances. Funding Agent is useful to compare multiple options quickly. Always verify current terms and conditions before proceeding to secure a 200 thousand pounds loan suitable for your business.

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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
2Funding CircleFunding Circle is a lending platform providing business loans from £10,000 to £750,000 with interest rates starting at 6.9% per annum.£10,000–£750,000; 6.9%–14.9% APR; 6–72 months
3FleximizeFleximize offers business loans up to £500,000 with monthly interest rates starting at 0.9%.£10,000–£500,000; 9.6%–0% APR; Variable
4BarclaysBarclays provides a range of business financing options including SME loans with fixed or variable rates.£1,000–£100,000; 0%–0% APR; 1–10 years
5365 Finance365 Finance offers flexible financial solutions up to £500,000, supporting cash flow through merchant card transactions.£0–£500,000; 0%–0% APR; Variable
6MAF Finance GroupMAF Finance Group provides business loans ranging from £10,000 to £750,000, offering both secured and unsecured options.£10,000–£750,000; 0%–0% APR; 3–72 months
7GoCompareGoCompare is a comparison service that helps users find the best business loan rates and terms from multiple providers.£10,000–£750,000; 6.9%–24% APR; 6–72 months
8SumUpSumUp provides merchant cash advances based on credit card transaction history, offering quick and easy access to funds.£1,000–£150,000; 0%–0% APR; Flexible
9DNA Financial SolutionsDNA Financial Solutions specializes in providing financial guidance and solutions for SMEs, with expertise across various sectors.£0–£500,000; 0%–0% APR; Variable
10TideTide offers business loans from £1,000 to £20 million with quick approval and competitive rates.£1,000–£20,000,000; 7%–14% APR; 12–60 months
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