January 23, 2026
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Best Lenders to secure a 50k to 100k Working Capital Loan

Best Lenders to secure a 50k to 100k Working Capital Loan

Discover the best UK lenders offering working capital loans between £50,000 and £100,000. Compare rates, terms, and find the right loan to grow your business.
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 50k to 100k 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 providing an easy online platform for UK SMEs to compare multiple business finance options. It is suitable for franchise buyers and operators needing quick access to unsecured working capital loans without lengthy paperwork. The service offers fast assessments and aims for clear, flexible terms with no collateral requirements.

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. HSBC

HSBC offers bank-backed business loans focused on working capital, asset purchase, and expansion needs. It is typically suitable for SMEs seeking established banking options with flexible term lengths. HSBC loans come with various repayment options and can include secured or unsecured facilities with competitive interest rates.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 5.7%
  • Max APR: 18.9%
  • Loan Duration: 1–10 years ⌛

Services & Industries

  • Finance Types: Flexible business loan
  • Industries: Various

Pros

  • No arrangement fee
  • Defer payment option

Cons

  • Higher APR for larger loans

Sources: Source

3. Portman Finance Group

Portman Finance Group specialises in asset finance and unsecured business loans targeted at UK SMEs across sectors. It suits borrowers who need flexibility in loan size and terms with options for both secured and unsecured funding. Portman offers relatively quick decisions and financial products tailored to business needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 4.4%
  • Max APR: 30%
  • Loan Duration: 3 months to 6 years ⌛

Services & Industries

  • Finance Types: Asset finance, Unsecured business loan
  • Industries: All sectors

Pros

  • Quick processing
  • No personal guarantee options

Cons

  • Interest rates vary widely

Sources: Source

4. Swoop Funding

Swoop Funding operates as a comparison platform for secured business loans across various industries. It is suited for borrowers looking to evaluate different lenders and rates for working capital loans. The platform offers access to a range of financial products with an emphasis on secured lending and comprehensive market options.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £5,000,000
  • Min APR: 3.9%
  • Max APR: 12%
  • Loan Duration: 1–10 years ⌛

Services & Industries

  • Finance Types: Secured business loan
  • Industries: All industries

Pros

  • Competitive interest rates
  • Comprehensive comparison platform

Cons

  • Collateral required

Sources: Source

5. Barclays

Barclays provides a broad range of secured and unsecured business loans suitable for various business purposes. It is appropriate for established UK SMEs requiring tailored loan amounts and prompt decisions. Barclays offers flexible products, though specific lending rates and terms may vary by case.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 48 hours for approval ⌛

Services & Industries

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

Pros

  • Fast approval process
  • Tailored loan amounts

Cons

  • Interest rates not clearly disclosed

Sources: Source

6. 365 Finance

365 Finance focuses on alternative, revenue-based financing without fixed APRs or traditional loan terms. It targets small UK businesses seeking flexible financing based on revenue performance rather than fixed repayments. This can be suitable for franchises needing adaptable funding where repayment schedules vary.

Loan Details

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

Services & Industries

  • Finance Types: Revenue-based finance
  • Industries: Various

Pros

  • No fixed payments
  • High approval rate

Cons

  • No traditional loan terms

Sources: Source

7. Fleximize

Fleximize offers unsecured and secured business loans with a focus on flexible terms and loyalty rewards. It is suitable for SMEs wanting adaptable finance with potential benefits for repeat borrowing. Fleximize emphasises fast decisions and tailored options within their typical loan structures.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 10.8%
  • Max APR: 0%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Unsecured business loan, Secured business loan
  • Industries: SMEs

Pros

  • Loyalty rewards
  • Fast decision-making

Cons

  • Director guarantees required

Sources: Source

8. MAF Finance Group

MAF Finance Group delivers customised secured and unsecured business loan solutions. It suits UK SMEs needing personalised service with flexible lending options and terms. MAF Finance works across industries offering tailored products and responsive support for various borrowing needs.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3–72 months ⌛

Services & Industries

  • Finance Types: Secured business loan, Unsecured business loan
  • Industries: Various

Pros

  • Flexible terms
  • Personalized service

Cons

  • APR not disclosed

Sources: Source

9. NatWest

NatWest provides secured and unsecured loan options with flexible interest rates and terms for UK SMEs. It is best suited for those seeking adaptable financing with varying repayment schedules and fixed rate choices. NatWest’s business loans accommodate a range of industries with personalised lending criteria.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 6.6%
  • Max APR: 0%
  • Loan Duration: Variable terms ⌛

Services & Industries

  • Finance Types: Secured business loan, Unsecured business loan
  • Industries: UK businesses

Pros

  • Customizable loan options
  • Fixed interest rates available

Cons

  • Terms and rates vary

Sources: Source

10. Funding Options

Funding Options acts as a marketplace to access multiple business loan products including commercial mortgages. It is suitable for SMEs looking for a broad overview of funding options to find the best fit for working capital needs. The platform offers flexibility across loan types and terms with broker access to various lenders.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: Variable ⌛

Services & Industries

  • Finance Types: Business loan, Commercial mortgage
  • Industries: SMEs

Pros

  • Marketplace variety
  • Quick application process

Cons

  • Varied loan terms

Sources: Source

How to choose

When securing a 50k to 100k working capital loan, consider the provider’s focus, such as bank lending, specialist financing, or marketplace brokerage. Evaluate the loan’s speed of approval, flexibility of terms, and whether collateral is required. Match the loan size and APR to your business’s cash flow and repayment capacity. Confirm eligibility criteria, fees, and early repayment options in advance. Flexibility and transparency in terms can help manage seasonal variations common in franchises. Always review multiple offers to find a lender that aligns with your financial goals and operational needs.

Conclusion

Choosing the right lender depends on your specific borrowing needs. Banks typically offer reliable products for established businesses but may have stricter criteria. Brokers and marketplaces provide access to a broader range of alternatives, including specialist lenders and more flexible terms. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. For loans around fifty to one hundred thousand pounds, assessing the nature of your business and loan purpose will guide the best fit among these provider types.

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FAQs

What is a working capital loan?
How much can I borrow for a working capital loan?
What are the eligibility criteria for a working capital loan?
How long does it take to get approval for a working capital loan?
Can start-ups get working capital loans between £50k and £100k?
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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
2HSBCHSBC provides flexible business loans to support working capital needs, asset purchasing, and business expansions.£1,000–£50,000; 5.7%–18.9% APR; 1–10 years
3Portman Finance GroupPortman Finance Group specializes in business loans and asset finance for UK SMEs, offering flexible solutions with a quick turnaround.£10,000–£2,000,000; 4.4%–30% APR; 3 months to 6 years
4Swoop FundingSwoop Funding provides a platform to compare financial products, helping businesses find the best funding solutions including working capital loans.£25,000–£5,000,000; 3.9%–12% APR; 1–10 years
5BarclaysBarclays provides a wide range of business loans to support UK businesses, offering both secured and unsecured lending options.£1,000–£25,000,000; 0%–0% APR; 48 hours for approval
6365 Finance365 Finance specializes in alternative financing with no fixed terms or APRs, offering revenue-based finance to small businesses.£10,000–£500,000; 0%–0% APR; Flexible
7FleximizeFleximize offers award-winning business loans tailored to SMEs, focusing on flexible terms and loyalty rewards for repeat borrowers.£10,000–£500,000; 10.8%–0% APR; 3–60 months
8MAF Finance GroupMAF Finance Group provides personalized business financing solutions, including both secured and unsecured loan options tailored to various business needs.£25,000–£2,000,000; 0%–0% APR; 3–72 months
9NatWestNatWest offers a range of business banking services, including both secured and unsecured loans with flexible interest rates and term options.£1,000–£100,000; 6.6%–0% APR; Variable terms
10Funding OptionsFunding Options is a leading marketplace for business finance, helping SMEs navigate through different funding sources to find the optimal financial solution.£1,000–£1,000,000; 6%–15% APR; Variable
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