January 22, 2026
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Best Lenders to secure a 60k Working Capital Loan

Best Lenders to secure a 60k Working Capital Loan

Discover the best lenders to secure a £60,000 working capital loan. Compare rates, terms, and eligibility to boost your business cash flow with ease.
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 60k 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 enabling UK SMEs to quickly compare business finance options through a simple and fast application process. It is typically suitable for franchise buyers and operators seeking working capital with clear eligibility criteria. This provider offers flexibility in loan terms and does not require collateral, supporting a straightforward borrowing experience.

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. 365 Finance

365 Finance offers revenue-based financing solutions without fixed terms or traditional APRs. It is suited for small and medium enterprises requiring flexible repayments based on revenue. This provider supports customers seeking adaptable financing rather than standard loan structures.

Loan Details

  • Min Amount: £0
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: No fixed terms

Services & Industries

  • Finance Types: Revenue-based financing
  • Industries: Small and medium enterprises

Pros

  • No APR
  • Flexible payments

Cons

  • Not suitable for all businesses

Sources: Source

3. LoanTube

LoanTube acts as a broker connecting SMEs with a variety of lenders to offer diverse loan options. It is suitable for borrowers seeking multiple financing solutions through one platform. LoanTube emphasises competitive rates and broad market access with brokered loan products.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000,000
  • Min APR: 4.9%
  • Max APR: 15.9%
  • Loan Duration: 1–15 years

Services & Industries

  • Finance Types: Brokered loans
  • Industries: SMEs

Pros

  • Wide range of lenders
  • Competitive APR

Cons

  • Broker fee

Sources: Source

4. Century Business Finance

Century Business Finance focuses on providing quick funding for UK SMEs, primarily offering unsecured business loans. It suits borrowers looking for straightforward financing without complex requirements. This provider offers fast decisions but with variable APRs based on loan size.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 9.6%
  • Max APR: 11.2%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business loans
  • Industries: SMEs

Pros

  • No impact on credit score during eligibility check
  • Fast decisions

Cons

  • APR based on loan amount

Sources: Source

5. Tide

Tide offers business loans with a fast and straightforward application process targeting UK SMEs. It is typically appropriate for those needing quick funding with flexible options including overdrafts. Tide aims to combine ease of access with competitive APRs and simple repayment terms.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £20,000,000
  • Min APR: 7%
  • Max APR: 14%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business loans, Overdrafts
  • Industries: Small and medium enterprises

Pros

  • Quick processing
  • No lengthy forms

Cons

  • High maximum APR

Sources: Source

6. Capitalise

Capitalise is a fintech platform that compares funding options from a range of lenders. It suits UK SMEs looking for a broad view of available financing without fixed product types. The platform facilitates lender comparisons to aid selection based on borrower needs.

Loan Details

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

Services & Industries

  • Finance Types: Comparative finance platform
  • Industries: General

Pros

  • Multiple lender comparison
  • Specialized in short term loans

Cons

  • Exact terms depend on lender

Sources: Source

7. Uswitch

Uswitch provides comparison services for business loans among various financial and utility products. It is aimed at customers seeking general information and guidance on financing. Uswitch offers access to partnered lenders for those looking to explore options.

Loan Details

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

Services & Industries

  • Finance Types: Comparative service
  • Industries: General

Pros

  • Detailed guides available

Cons

  • Limited to partnered lenders

Sources: Source

8. Barclays

Barclays provides traditional business financing including loans and mortgages with flexible terms and no early repayment penalties. It is ideal for borrowers who prefer bank lending options with established processes. Barclays offers a structured lending approach with a variety of finance products.

Loan Details

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

Services & Industries

  • Finance Types: Business loans, Mortgages
  • Industries: General

Pros

  • Flexible terms
  • No early repayment fees

Cons

  • Higher APR for small loans

Sources: Source

9. MoneySuperMarket

MoneySuperMarket offers comparison services across a broad spectrum of financial products including business loans. It is suited for SMEs seeking an overview of options rather than direct lending. MoneySuperMarket helps users navigate the market with impartial information.

Loan Details

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

Services & Industries

  • Finance Types: Comparison service
  • Industries: General

Pros

  • Wide range of financial products

Cons

  • Does not lend directly

Sources: Source

10. NatWest

NatWest offers a range of business funding options including loans and credit cards through a widespread branch network. It is suitable for SMEs looking for bank financing with various product choices. NatWest provides structured lending with established processing times and conditions.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 11.2%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business loans, Credit cards
  • Industries: General

Pros

  • Widespread branch network

Cons

  • Relatively high APR

Sources: Source

How to choose

When selecting the best lender for a 60k working capital loan, assess your financing needs and budget carefully. Consider factors such as loan size, APR, repayment flexibility, and eligibility requirements. Evaluate both speed and application simplicity against your cash flow demands. Check if collateral is needed and examine any early repayment terms. Comparing brokers, direct lenders, and specialist providers can help in finding the right fit. Always review lender fees and services to align with your franchise business requirements.

Conclusion

Choosing the right lender depends on your specific use case and requirements. Bank lenders offer reliability and structured products suitable for general business needs. Brokers can provide access to a wider market and specialized loans but may include additional fees. Specialist lenders often focus on niche financing such as revenue-based or fast approvals. Funding Agent is suited for SMEs wanting quick comparisons across multiple options. Matching the provider type to your loan purpose will support better financing outcomes for a 60 thousand pounds loan.

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FAQs

What is a working capital loan?
How can I secure a £60k working capital loan?
Which lenders offer the best rates for working capital loans in the UK?
How long does it usually take to get approval for a working capital loan?
Can startups qualify for a £60k working capital loan?
What are the typical repayment terms for working capital loans?

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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
2365 Finance365 Finance specializes in revenue-based financing for small and medium enterprises in the UK without fixed terms or APR.£0–£500,000; 0%–0% APR; No fixed terms
3LoanTubeLoanTube provides a broad range of loan solutions, acting as a broker connecting SMEs with numerous lenders.£1,000–£50,000,000; 4.9%–15.9% APR; 1–15 years
4Century Business FinanceFounded in 2017, Century Business Finance offers quick funding solutions for UK-based SMEs.£10,000–£250,000; 9.6%–11.2% APR; Unknown
5TideTide offers business loans to UK SMEs with a straightforward application process and fast decisions.£1,000–£20,000,000; 7%–14% APR; Unknown
6CapitaliseCapitalise is a fintech platform that helps businesses access funding by comparing lending options.£0–£0; 0%–0% APR; Unknown
7UswitchUswitch provides comparisons on various utility and financial products including business loans.£0–£0; 0%–0% APR; Unknown
8BarclaysBarclays offers a variety of business financing options with flexible terms and no early repayment fees.£1,000–£10,000; 11.2%–14.9% APR; Unknown
9MoneySuperMarketMoneySuperMarket offers comparisons for a wide range of financial products, including business loans.£0–£0; 0%–0% APR; Unknown
10NatWestNatWest provides a variety of funding options for businesses, including loans and credit cards.£0–£0; 11.2%–0% APR; Unknown