January 22, 2026
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Best Lenders to secure a 40k Working Capital Loan

Best Lenders to secure a 40k Working Capital Loan

Discover the best lenders offering £40,000 working capital loans in the UK. Find competitive rates, flexible terms, and quick approval to boost your business cash flow today.
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 40k 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 2026-01-22.

1. Funding Agent

Funding Agent focuses on providing quick comparisons of business finance options through a brokered platform. It is suitable for UK SMEs looking for fast, easy access to a variety of unsecured and working capital loans. This service emphasises a simple application process, speedy matching, and transparency 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

Sources: Funding Agent

2. LoanTube

LoanTube operates as a lending marketplace, connecting borrowers with various lenders in the UK. It suits SMEs and franchise buyers who want access to multiple loan products through a single platform. The service offers transparent APR rates and a range of terms with an emphasis on flexible loan options and competitive pricing.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 7.5%
  • Max APR: 14.9%
  • Loan Duration: 1–15 years

Services & Industries

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

Pros

  • Wide choice of loans
  • Transparent rates

Cons

  • Higher APR for lower credit

Sources: Source

3. Barclays

Barclays offers a range of bank business loans with flexible repayment terms and competitive APRs. It is generally suited to SMEs needing structured financing options, including franchises seeking secured or unsecured loans. Barclays emphasizes thorough credit assessments and transparent conditions with options to manage repayment schedules.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: 1–10 years

Services & Industries

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

Pros

  • No early repayment fees
  • Flexible terms

Cons

  • Strict credit checks

Sources: Source

4. HSBC

HSBC provides a variety of loan products tailored for SMEs, including fixed and variable rate options. It is appropriate for franchise buyers and business owners looking for flexible term loans with options for collateral. HSBC focuses on adaptable financing solutions that cater to different business needs and risk profiles.

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: Term Loans, Mortgages
  • Industries: Banking, Finance

Pros

  • Flexible repayment
  • Lower fixed rates

Cons

  • Variable rates can be high

Sources: Source

5. Century Business Finance

Century Business Finance focuses on tailored lending solutions with emphasis on swift approval processes. It is generally aimed at SMEs requiring asset-backed or business loans with straightforward terms. The provider highlights fast decisions and competitive rates, though some loan specifics remain undisclosed.

Loan Details

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

Services & Industries

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

Pros

  • Same-day approval
  • Simple application

Cons

  • Limited customer support

Sources: Source

6. White Oak UK

White Oak UK offers a broad selection of SME finance products including invoice finance and business loans. It is suited to franchise operators and SMEs needing flexible funding with competitive rates. White Oak UK’s solutions often involve collateral considerations and medium to long-term repayment options.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 6.95%
  • Max APR: 15%
  • Loan Duration: 6–72 months

Services & Industries

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

Pros

  • Wide range of options
  • Competitive rates

Cons

  • Arrangement fees

Sources: Source

7. 365 Business Finance

365 Business Finance provides merchant cash advances, allowing flexible access to funds tailored to SME cash flow requirements. It suits businesses needing adaptable repayment terms tied to revenue, such as franchises with variable income. This lender emphasises speed in approval and flexible structuring of finance to meet retail and hospitality sector needs.

Loan Details

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

Services & Industries

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

Pros

  • Fast approval
  • Flexible repayment

Cons

  • Repayment tied to revenue

Sources: Source

8. DNA Financial Solutions

DNA Financial Solutions offers funding and advisory services for personal and business loans across diverse sectors. It is suited for borrowers who seek expert guidance and tailored finance packages. The provider supports franchise buyers and SMEs looking for various repayment types with a focus on personal and business finance needs.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business Loans, Personal Loans
  • Industries: Finance, Real Estate

Pros

  • Expert advice
  • Comprehensive solutions

Cons

  • Complex process

Sources: Source

9. Tide

Tide provides streamlined business finance options with quick decisions and loans up to large sums. It is ideal for SMEs and franchise buyers needing flexible funding solutions with minimal bureaucracy. Tide focuses on ease of access and fast turnaround while offering loan products suited to short-to-medium term financing.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £20,000,000
  • Min APR: 6%
  • Max APR: 6%
  • Loan Duration: 1–5 years

Services & Industries

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

Pros

  • Quick decision
  • Large amounts available

Cons

  • Limited to UK SMEs

Sources: Source

10. Rangewell

Rangewell acts as a finance broker providing comprehensive comparisons of secured and unsecured loan products for businesses. It is suited for SMEs and franchise operators seeking tailored loan solutions with a focus on competitive options and market coverage. The service prioritises detailed product mapping and independent advice to support informed borrowing decisions.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 20%
  • Loan Duration: 3–60 months

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: Various

Pros

  • Comprehensive overview
  • Independent broker

Cons

  • Complex application

Sources: Source

How to choose

Choosing the best lender for a 40k working capital loan involves considering your business needs and loan purpose. Focus on matching loan size and APR to your financial capacity. Consider eligibility requirements, loan terms, and flexibility of repayments in relation to your franchise cash flow and seasonality. Broker platforms can offer wider access to diverse products, whereas bank-based lenders may provide structured terms and security options. Always review fees, collateral demands, and early repayment conditions before committing to an application.

Conclusion

When selecting a lender for a 40 thousand pounds loan, align the provider type with your business situation. Banks may suit those needing traditional loans with strict credit requirements and collateral, while brokers provide access to multiple options across unsecured and secured products. Specialist lenders and alternative finance providers often offer more flexible terms or quicker access. Funding Agent provides an efficient way to compare these varied options. Always verify current terms and conditions with the lender before proceeding.

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