Best Lenders to Secure a 30k Business Line of Credit
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 2026-02-12.
Funding Agent focuses on providing a platform for UK SMEs to quickly compare various business finance options. It is suitable for franchise buyers and operators seeking clear choices with straightforward eligibility. The service offers a fast application, flexible terms, and unsecured loan options 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
Funding Circle operates a peer-to-peer lending marketplace that connects investors with small businesses in need of finance. It is typically suited to franchise buyers looking for alternative funding with variable terms. The platform offers access to unsecured loans with competitive APRs and allows for flexible repayment structures.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 4.5%
- Max APR: 27.7%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Term Loans
- Industries: Manufacturing, Retail, Services
Pros
- Low starting APR
- No early repayment fees
Cons
- Strict eligibility criteria
Esme Loans provides business loans focused on speed and fairness for UK SMEs. This lender is appropriate for franchise buyers seeking straightforward, flexible financing for growth initiatives. The loans typically offer fixed repayment schedules with clear conditions to support predictable cash flow.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 4.8%
- Max APR: 19.9%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Short-term Loans
- Industries: Tech, Healthcare
Pros
- Simple online process
- Quick decision
Cons
- Limited to shorter loan terms
Iwoca specialises in providing flexible, small business loans mainly suited for UK entrepreneurs requiring working capital support. Its products are tailored for franchise buyers needing access to credit with various repayment arrangements. Options include unsecured loans and invoice financing, with terms adjusted based on business performance.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 2.9%
- Max APR: 25%
- Loan Duration: 12–24 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Invoice Financing
- Industries: Retail, Hospitality, Media
Pros
- Wide range of financing options
- Flexible terms
Cons
- Rates depend on business performance
MarketFinance provides invoice finance and business loans designed to help UK SMEs improve cash flow and secure working capital. It suits franchise buyers who prefer invoice-backed financing or short-duration loans with flexible repayment options. The provider supports quick access to funds with competitive rates.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 5.2%
- Max APR: 22.4%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Invoice Factoring
- Industries: Manufacturing, Retail
Pros
- Competitive rates
- Fast funding
Liberis offers finance solutions aimed at small and medium-sized businesses, focusing on flexible repayment through sales percentage. It fits franchise owners needing quick, adaptable funding without requiring traditional collateral. The service often involves merchant cash advances with terms adjusted to sales volume.
Loan Details
- Min Amount: £2,500
- Max Amount: £300,000
- Min APR: 5.9%
- Max APR: 24.5%
- Loan Duration: 6–18 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Merchant Cash Advance
- Industries: Retail, Food & Beverage
Pros
- Repayment via sales percentage
- No late fees
Cons
- Higher cost of funds
- Shorter terms
Growth Street specialises in flexible credit solutions to support UK businesses by improving cash flow. It is suitable for franchisees looking for adaptable borrowing limits and interest charged only on drawn amounts. The provider offers bespoke lines of credit tailored to business needs and profiles.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 4.1%
- Max APR: 21.6%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Business Line of Credit
- Industries: Construction, Retail
Pros
- Flexible borrowing limits
- Interest on drawn funds only
Cons
- Availability limits based on credit profile
ThinCats delivers customised funding for medium-sized businesses, focusing on larger loan amounts secured by assets. It is appropriate for franchise buyers needing bespoke financing with competitive rates and longer durations. The platform facilitates asset-backed lending with flexible terms tailored to business needs.
Loan Details
- Min Amount: £250,000
- Max Amount: £5,000,000
- Min APR: 6%
- Max APR: 18%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Term Loans, Asset Finance
- Industries: Manufacturing, Logistics
Pros
- Bespoke lending solutions
- Support for larger loans
Cons
- Higher minimum loan threshold
Nucleus Commercial Finance provides a variety of flexible finance options, including asset-based lending and invoice finance. It is suited for franchise customers needing secure, predictable funding aligned with cash flow cycles. Their products offer competitive APRs and a range of repayment options structured to industry needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 3.9%
- Max APR: 20%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Invoice Finance
- Industries: Retail, Construction, Manufacturing
Pros
- Diverse finance options
- Competitive APR
Cons
- Complex eligibility criteria
Funding Xchange is a lending marketplace that matches UK SMEs to a wide selection of finance options. It works well for franchise buyers seeking comparison across providers for business lines of credit, term loans, and invoice finance. The platform offers brokered access with a focus on transparency and range of choice.
Loan Details
- Min Amount: £3,000
- Max Amount: £500,000
- Min APR: 5%
- Max APR: 25.3%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Term Loans, Invoice Finance
- Industries: Tech, Healthcare, Retail
Pros
- Transparent comparison
- Wide array of options
How to choose
When selecting the best lenders to secure a 30k business line of credit, consider matching the loan size and APR to your franchise’s budget. Evaluate eligibility criteria carefully, ensuring your business profile fits the lender’s requirements. Speed of access and application simplicity should be balanced against flexibility in repayment terms and collateral demands. Consider whether you prefer a direct lender or a marketplace for wider options. Always review fees and early repayment terms before committing. Assess how repayments align with your cash flow and seasonal changes.
Conclusion
Choosing a lender depends on your specific use case and business needs. Bank lenders often provide established products with strict criteria and lower rates. Brokers and marketplaces like Funding Agent offer broader access and quicker comparisons across providers. Specialist lenders may provide tailored solutions with flexible terms but can have higher costs. Align your choice with your franchise’s financial goals and repayment capacity when seeking a 30 thousand pounds loan.
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