Best Lenders to secure a 30k 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 2026-01-21.
Funding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching. It is suitable for firms seeking unsecured loans or flexible options. It caters to those who want a straightforward process with transparent terms. Here's what to know:
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
NatWest offers a variety of business loans suitable for different purposes like growth, working capital, or equipment. It is known for flexible options with competitive rates. Suitable for businesses needing short-term or asset-backed financing. Here's what to know:
Loan Details
- Min Amount: £30,000
- Max Amount: £250,000
- Min APR: 5%
- Max APR: 7%
- Loan Duration: 1–12 months ⌛
Services & Industries
- Finance Types: Working capital loans, Equipment loans, Property loans
- Industries: Retail, Agriculture, Healthcare
Pros
- Competitive interest rates
- Quick access to funds
- Wide range of loan products
Barclays offers various financial products to support UK businesses including loans for expansion and operational finance. It is suitable for firms seeking reliable options with flexible repayment plans. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £100,000
- Min APR: 11.2%
- Max APR: 14.9%
- Loan Duration: 1–10 years ⌛
Services & Industries
- Finance Types: Business loans, Overdrafts, Invoice financing
- Industries: Technology, Healthcare, Real estate
Pros
- Diverse loan products
- Flexible repayment plans
- Trusted high-street bank
Cons
- Higher APR for small loans
BizCap provides fast funding solutions for UK SMEs, specialising in unsecured loans and asset-based financing. It is suitable for businesses looking for quick access and minimal formalities. Here's what to know:
Loan Details
- Min Amount: £5,000
- Max Amount: £750,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 day–36 months ⌛
Services & Industries
- Finance Types: Unsecured business loans, Working capital, Equipment financing
- Industries: Wholesale, Retail, Construction
Pros
- Fast approval
- Minimal documentation
- Flexible terms
Cons
- Higher rates due to speed and flexibility
Fleximize offers flexible business loans suited for UK SMEs, with options tailored for growth and cash flow management. It is ideal for firms wanting adaptable funding solutions. Here's what to know:
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 9.6%
- Max APR: 0%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Term loans, Revenue-based financing
- Industries: Retail, Service industries
Pros
- Tailored finance solutions
- Support for growing businesses
Cons
- Higher interest rates for unsecured loans
Iwoca provides quick access to flexible bridging and working capital loans for UK small businesses. Its offerings include short-term options suitable for urgent finance needs. It is known for speed and flexibility. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 6%
- Max APR: 15%
- Loan Duration: 1 day–24 months ⌛
Services & Industries
- Finance Types: Bridging loans, Working capital loans
- Industries: Retail, Hospitality, Manufacturing
Pros
- Quick decision process
- No prepayment penalties
HSBC offers a broad range of business finance options including loans, asset finance, and other credit products tailored for SMEs. It is suitable for firms needing reliable and established funding avenues. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £25,000
- Min APR: 5.7%
- Max APR: 18.9%
- Loan Duration: 1–10 years ⌛
Services & Industries
- Finance Types: Business loans, Asset finance
- Industries: Construction, Manufacturing, Retail
Pros
- Global reach
- Local expertise
Cons
- Higher APR for small loans
Johnson Reed provides quick business loans and equipment financing to UK sectors, with options suitable for various industry needs. It offers flexible terms for those seeking swift access to capital. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £300,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 month–5 years ⌛
Services & Industries
- Finance Types: Equipment finance, Asset-based lending
- Industries: Franchises, Retail, Gyms
Pros
- Fast approval
- Customized finance solutions
Cons
- Lack of unsecured loan options
Century Business Finance offers competitive working capital loans, focusing on flexible repayment plans and quick approval. It is suitable for UK SMEs needing reliable short-term funding options. Here's what to know:
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible ⌛
Services & Industries
- Finance Types: Working capital loans
- Industries: Various
Pros
- Competitive terms
- Personalised service
Johnson Reed offers quick business loans and equipment financing for UK industries, with flexible terms suitable for various sectors. It is aimed at firms needing fast capital with predictable repayment structures. Here's what to know:
Loan Details
- Min Amount: £2,000
- Max Amount: £300,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible ⌛
Services & Industries
- Finance Types: Business loans, Equipment loans
- Industries: SMEs, Retail, Franchises
Pros
- Quick funding
- Variety of sectors served
How to choose
Matching the right lender depends on your specific needs for a 30 thousand pounds loan. Bank loans are often suitable for those with collateral and a clear repayment plan. Brokers can help access loans from multiple providers and choose flexible options. Specialist lenders may offer faster approvals or tailored terms. Consider your financing purpose, speed requirements, security preferences and the cost involved. Be sure to review eligibility criteria, fees, and repayment conditions before committing to a lender. This approach ensures you find suitable funding for your franchise or business needs.
Conclusion
Choosing the right lender depends on your needs. Bank lenders may be suitable for asset-backed or long-term finance. Brokers can provide a variety of options across multiple providers. Specialist or fast lenders are useful for quick approval and unsecured loans. The link to Funding Agent remains useful for quick comparisons. Always confirm current costs and terms directly with the lender as pricing may change over time.
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