Best Lenders to secure a 90k Secured Business 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.
Funding Agent focuses on comparing available business finance options for UK SMEs. It is suitable for those seeking a fast and simple application process with clear eligibility. The provider emphasises quick matching of suitable loans without requiring collateral and offers a range of amounts and terms through brokered access.
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
Century Business Finance provides SME loans in the UK with emphasis on flexible terms and swift approvals. It is generally suitable for businesses seeking working capital or asset financing with straightforward terms. The lender offers loans that may not require collateral and focuses on simplicity and speed for borrowers.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 5 years ⌛
Services & Industries
- Finance Types: Asset finance, Working capital, Growth finance
- Industries: SMEs across various sectors
Pros
- Fast approvals
- Flexible terms
Cons
- Interest rates not disclosed publicly
Barclays offers a broad range of financial products including bank business loans for SMEs. It is typically suitable for established businesses needing term loans and overdrafts. Barclays provides options with fixed or variable rates and tailored repayment terms, primarily focusing on secured and unsecured loans.
Loan Details
- Min Amount: £1,000
- Max Amount: £25,000
- Min APR: 11.2%
- Max APR: 14.9%
- Loan Duration: 1 to 10 years ⌛
Services & Industries
- Finance Types: Term loans, Overdrafts, Mortgages
- Industries: Agriculture, Healthcare, Retail
Pros
- No early repayment fees
- Fixed and variable rates available
Fleximize provides flexible unsecured business loans with quick decision making and options to top up existing loans. It is suitable for SMEs looking for adaptable repayment plans and relatively fast funding. Fleximize offers tailored terms with variable interest rates, supporting a range of loan sizes and durations.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 9.6%
- Max APR: 0%
- Loan Duration: 3 to 60 months ⌛
Services & Industries
- Finance Types: Term loans, Revenue-based finance
- Industries: Retail, Services
Pros
- Flexible repayment options
- Quick funding
Cons
- Higher interest rates for unsecured loans
Funding Circle operates as a peer-to-peer lending platform focusing on business loans for SMEs aiming to grow. It suits businesses looking for relatively quick access to funding with transparent fees and conditions. The loans typically feature fixed repayment schedules and rely on a credible credit assessment process.
Loan Details
- Min Amount: £10,000
- Max Amount: £750,000
- Min APR: 6.9%
- Max APR: 0%
- Loan Duration: 6 months to 5 years ⌛
Services & Industries
- Finance Types: Term loans
- Industries: Various SMEs
Pros
- Fast loan approval
- No hidden fees
365 Finance offers revenue-based financing where repayments vary with sales performance. It is designed for businesses seeking flexible repayment options without fixed APRs or terms. Ideal for companies with fluctuating income preferring a funding model linked directly to turnover.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible with sales ⌛
Services & Industries
- Finance Types: Revenue-based finance
- Industries: Retail, Hospitality
Pros
- No fixed terms
- High approval rate
Cons
- Repayment linked to sales volume
iwoca provides flexible funding solutions for small businesses with quick approval processes. It appeals to those needing varied loan sizes and flexible repayment options. The provider supports credit lines and loans with adaptable terms suited to different industries.
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 6%
- Max APR: 15%
- Loan Duration: 1 to 24 months ⌛
Services & Industries
- Finance Types: Flexible loans, Credit lines
- Industries: Retail, Manufacturing, Services
Pros
- Fast access to funds
- Flexible repayment
Lloyds offers a variety of business financing products including loans and overdrafts tailored to support growth. It generally suits SMEs with standard eligibility and credit requirements. The lender provides fixed APRs and flexible term lengths for different business needs.
Loan Details
- Min Amount: £1,000
- Max Amount: £25,000
- Min APR: 11.2%
- Max APR: 0%
- Loan Duration: 1 to 5 years ⌛
Services & Industries
- Finance Types: Business loans, Overdrafts
- Industries: Various SMEs
Cons
- Higher minimum APR for lower amounts
Bizcap specialises in quick business loans and credit lines tailored to under-served UK industries. It commonly suits businesses with credit challenges seeking fast funding. Bizcap offers secured and unsecured loans with varied terms and flexible approval criteria.
Loan Details
- Min Amount: £5,000
- Max Amount: £750,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varied terms ⌛
Services & Industries
- Finance Types: Secured loans, Unsecured loans, Credit lines
- Industries: Wholesale, Retail
Pros
- High approval even with bad credit
- Fast funding
Cons
- Higher cost for secured loans
Time Finance delivers a broad selection of financial products including asset and invoice finance. It suits businesses requiring tailored financial solutions for growth and equipment purchase. The company focuses on supporting a wide range of industries with varying loan amounts and flexible terms.
Loan Details
- Min Amount: £50,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 5 years ⌛
Services & Industries
- Finance Types: Asset finance, Invoice finance
- Industries: Various UK industries
Pros
- Tailored financing
- Supports a wide range of businesses
Cons
- Limited online information on APRs
How to choose
When securing a 90k secured business loan, consider lenders that specialise in loans backed by business assets or property. Focus on matching the loan size and APR to your company’s cash flow and repayment capacity. Evaluate eligibility criteria carefully, especially collateral requirements and loan-to-value limits. Assess the speed of approval against the flexibility of loan terms offered. Pay attention to repayment options whether fixed, variable, or revenue-based to understand impact on your business. Always review fees, potential early repayment costs, and overall loan conditions before committing.
Conclusion
Choosing the right lender depends on the specific requirements of your business loan. Banks typically offer stable rates for established businesses, brokers provide access to multiple options, and specialists cater to niche or complex needs. Funding Agent remains a tool to quickly compare various loan offers. For a 90 thousand pounds loan, aligning the lender’s focus with your use case and security availability is crucial. Make sure to verify all costs and terms directly with the lender as they may vary over time.
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