Best Lenders to Secure a 50k to 100k 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 is a broker platform focused on helping UK SMEs quickly compare various business finance options tailored to their needs. It is suitable for franchise buyers seeking transparent choices with predictable terms. Their service emphasises a fast application process with no collateral requirements and a range of repayment types.
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
LendInvest operates as a property finance marketplace, focusing on loans for property investors including those purchasing or refinancing real estate. It is well suited for property buyers or developers. Their offerings feature an online application system and typically require property as security, with flexible loan-to-value ratios dependent on project specifics.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Bridge Loans, Development Finance
- Industries: Real Estate
Pros
- Specializes in property finance
- Online application system
Cons
- Limited to property investors
Funding Circle is a peer-to-peer lending platform that connects investors directly with small and medium-sized businesses. It suits franchises and SMEs seeking accessible term loans and lines of credit. Their model allows for competitive rates and streamlined applications, but typically involves a thorough credit assessment and limits to SME sectors.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 4.9%
- Max APR: 27.5%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Term Loans, Business Line of Credit
- Industries: Retail, Construction, Hospitality
Pros
- Peer-to-peer model reduces costs
- Simple application process
Cons
- Strict screening process
- Limited to SME sector
Iwoca offers flexible credit lines and loan products designed for small businesses needing quick access to working capital. It is suited for franchisees requiring adaptable financing with straightforward terms. Iwoca emphasises rapid decision-making, transparent fees, and options that generally do not require collateral.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 2.9%
- Max APR: 60%
- Loan Duration: 1–24 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Term Loans
- Industries: E-commerce, Retail
Pros
- Fast approval
- Flexible repayment plans
Cons
- Higher interest rates for small amounts
OakNorth is a bank providing business and property loans primarily for established SMEs, with a focus on larger loan amounts. It is appropriate for franchisees needing significant funding and long-term solutions. Their lending typically involves secured loans, with advanced underwriting technology tailored to SME growth sectors.
Loan Details
- Min Amount: £500,000
- Max Amount: £5,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1–5 years ⌛
Services & Industries
- Finance Types: Business Loans, Real Estate Finance
- Industries: Property, Healthcare, Manufacturing
Pros
- Large loan amounts
- Focus on SME growth
Cons
- Higher entry loan thresholds
MarketFinance specialises in invoice financing and business loans targeting UK businesses looking to manage cash flow and payment terms. It suits franchise buyers requiring financing solutions linked to receivables. Their products offer relatively quick access to funds with varying APRs depending on term and loan size.
Loan Details
- Min Amount: £10,000
- Max Amount: £1,000,000
- Min APR: 5%
- Max APR: 35%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Invoice Financing, Business Loans
- Industries: Construction, Professional Services
Pros
- Faster access to cash
- Flexible financing options
Cons
- Higher rates for shorter durations
Liberis provides revenue-based financing solutions that adjust repayments according to business performance, without fixed monthly fees. It is suited to SMEs and franchise businesses with fluctuating cash flows. Their approach offers flexibility in repayments based on sales, helping align funding with earnings.
Loan Details
- Min Amount: £5,000
- Max Amount: £150,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1–36 months ⌛
Services & Industries
- Finance Types: Revenue-Based Financing
- Industries: E-commerce, Food and Beverage
Pros
- Repayment based on cash flow
- No fixed monthly repayments
Cons
- Rates vary based on earnings
Fleximize provides flexible loan options with tailored finance plans for UK SMEs aiming to support growth and operational cash flow management. It is suited for franchisees seeking adaptable credit solutions with manageable repayment schedules. Their services offer personalised terms and relatively fast funding decisions.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 7.9%
- Max APR: 35%
- Loan Duration: 1–48 months ⌛
Services & Industries
- Finance Types: Term Loans, Business Line of Credit
- Industries: Retail, Healthcare
Pros
- Flexible repayments
- Personalized service
Cons
- Higher APR for smaller loans
Satago focuses on invoice financing and automated credit control to help UK businesses manage cash flow gaps more effectively. It is suitable for franchisees or SMEs dependent on timely receivables. Their platform supports streamlined payment collection but mainly caters to invoice-backed finance without broader loan products.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Invoice Financing
- Industries: Professional Services
Pros
- Automation tools
- Improved cash flow management
Cons
- Limited to invoice financing
Tide is a fintech company delivering business accounts together with related lending products for small businesses and freelancers. It suits franchises looking for quick credit access integrated with banking. Tide offers straightforward loan options, but with higher rates typical for unsecured fintech lending.
Loan Details
- Min Amount: £1,000
- Max Amount: £150,000
- Min APR: 15%
- Max APR: 35%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Invoice Financing
- Industries: Freelancers, Small business owners
Pros
- Seamless account integration
- Fast application process
Cons
- Higher interest rates for unsecured loans
How to choose
Choosing the right lender to secure a 50k to 100k business line of credit involves evaluating your business needs and repayment capacity. Consider loan size, APR, and term flexibility to match your cash flow and seasonality. Check if collateral is required and what industries or sectors the lender specialises in. Also review eligibility criteria and the lender’s application speed. Balance between direct bank lending, marketplace brokers, and niche finance providers to find suitable options. Compare fees, conditions, and early repayment policies before committing.
Conclusion
Matching lender type to your use case is crucial when seeking a 50 to 100 thousand pounds loan. Banks like OakNorth provide larger, often secured loans for established businesses. Brokers such as Funding Agent offer diverse options with quick comparisons for SMEs. Specialist lenders focus on particular sectors or financing methods. Funding Agent remains a valuable resource for fast evaluation, but always verify current terms directly with providers before applying.
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