Best Lenders to Secure a 90k 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 focuses on offering UK SMEs access to a range of business finance options through a straightforward comparison platform. It is suited to franchise buyers and small to medium enterprises seeking working capital or credit lines with competitive terms. The service emphasises speed and ease of application, providing options with varying flexibility and minimal 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
Growth Lending offers business finance solutions centred on supporting innovation and growth within UK SMEs. It typically suits franchise operators or businesses planning expansion requiring larger credit facilities. This provider balances competitive rates with tailored lending criteria, focusing on flexible terms and asset-backed options.
Loan Details
- Min Amount: £50,000
- Max Amount: £2,500,000
- Min APR: 4.5%
- Max APR: 12%
- Loan Duration: 3–48 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Asset-Based Lending
- Industries: Technology, Healthcare
Pros
- High loan amounts
- Competitive APR
Cons
- Strict eligibility criteria
Nucleus Commercial Finance specialises in tailored financial products for UK businesses, with an emphasis on flexibility and expertise. It is suitable for franchise buyers and businesses needing varied finance products including property and invoice finance. The provider supports bespoke solutions, with options to accommodate different collateral types and loan-to-value ratios.
Loan Details
- Min Amount: £5,000
- Max Amount: £5,000,000
- Min APR: 6.5%
- Max APR: 25%
- Loan Duration: 6–72 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Invoice Finance, Property Finance
- Industries: Construction, Manufacturing
Pros
- Tailored solutions
- Wide range of products
Cons
- Complex application process
Fleximize provides flexible business loans and lines of credit designed for UK SMEs. This lender suits franchises or small businesses that value adaptable repayment terms without early repayment penalties. The loan offerings feature accessible application processes and accommodate businesses needing unsecured financing.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 8%
- Max APR: 36%
- Loan Duration: 3–48 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Unsecured Business Loan
- Industries: Retail, Hospitality
Pros
- No early repayment fees
- Flexible terms
Cons
- Higher APR for larger amounts
LendInvest is a marketplace platform focusing on property finance for borrowers across the UK. It typically serves franchise buyers or businesses seeking property-related loans with structured terms. LendInvest emphasises quick funding and caters to borrowers requiring secured property lending solutions.
Loan Details
- Min Amount: £75,000
- Max Amount: £2,500,000
- Min APR: 5.5%
- Max APR: 13.5%
- Loan Duration: 6–36 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Bridge Lending
- Industries: Real Estate, Property Development
Pros
- Quick to fund
- Specialist in property
Cons
- Not ideal for very small loans
OakNorth Bank provides business loans tailored to UK SMEs with larger scale growth ambitions. It is commonly suited to franchises or businesses requiring significant capital with structured repayment plans. The lender offers competitively low APRs on sizeable loans with an emphasis on growth finance and secured lending.
Loan Details
- Min Amount: £500,000
- Max Amount: £25,000,000
- Min APR: 3.9%
- Max APR: 10.9%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Growth Finance
- Industries: Manufacturing, Healthcare
Pros
- Low APR
- Large loan availability
Funding Circle operates a peer-to-peer lending marketplace connecting SMEs with investors for business loans. This platform suits franchise buyers or businesses seeking transparent credit with online convenience. The lending options offer flexible financing types and typical peer-to-peer loan benefits, balanced by applicable origination fees.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 4.9%
- Max APR: 23.9%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Peer-to-Peer Loans
- Industries: Technology, Retail
Pros
- Fast online application
- No early repayment charge
Iwoca focuses on short-term business loans aimed at UK SMEs needing quick access to finance. It is suitable for franchises or smaller businesses requiring flexible credit with rapid decision times. The provider offers straightforward loans with transparent fees, primarily for shorter durations.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 12%
- Max APR: 60%
- Loan Duration: 1–12 months ⌛
Services & Industries
- Finance Types: Short-term Loans, Business Line of Credit
- Industries: Retail, Professional Services
Pros
- Quick access to funds
- No hidden fees
Cons
- Higher APR for smaller loans
Revolut Business provides a range of financial services including business accounts and credit aimed at tech-savvy SMEs. It fits franchise buyers or others seeking digital banking integration with access to credit lines. Its financial tools focus on innovation and convenience through a seamless online platform.
Loan Details
- Min Amount: £2,000
- Max Amount: £300,000
- Min APR: 7.5%
- Max APR: 22.5%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Credit Facilities
- Industries: Technology, Ecommerce
Pros
- Seamless integration with banking services
- Innovative financial tools
MarketFinance specialises in invoice financing and business credit for UK enterprises looking to scale quickly. It suits franchise buyers and businesses that prioritise fast processing and simple access to funds. The provider offers transparent fees and finance options tailored to diverse industries.
Loan Details
- Min Amount: £1,000
- Max Amount: £500,000
- Min APR: 9%
- Max APR: 28%
- Loan Duration: 3–24 months ⌛
Services & Industries
- Finance Types: Invoice Finance, Business Line of Credit
- Industries: Professional Services, Manufacturing
Pros
- Fast processing
- Transparent fees
How to choose
When selecting the best lender for a 90k business line of credit, consider your business size and financial needs carefully. Assess APR and loan size to ensure affordability and suitable borrowing limits. Check eligibility requirements to avoid wasted application efforts. Compare the speed of funding against the flexibility of repayment terms. Also, be mindful of any collateral or security demands. A well-balanced choice aligns with your franchise's cash flow and growth plans.
Conclusion
Choosing the right provider for a 90,000 pounds loan depends on your business model and needs. Banks often suit larger, established franchises requiring structured growth finance. Brokers can provide access to multiple lenders for broad comparisons. Specialist lenders may better serve businesses needing quick access or asset-backed terms. Funding Agent is useful for SMEs wanting rapid comparisons across options. Always verify current terms to find the right financing match.
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