best lenders to secure a 90k unsecured 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 2026-01-13.

Quick Compare:

1. Funding Agent

Funding Agent Funding Agent is a leading finance company specialising in providing unsecured business loans for SMEs seeking to expand or stabilise. It offers quick approval processes and flexible repayment options, suitable for businesses with varied needs. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £750,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 6–72 months⌛

Services & Industries

• Finance Types: Unsecured business loans, Working capital, Equipment financing
• Industries: Various industries

Pros

• Flexible repayment terms
• Fast approval
• No collateral needed

Cons

• Higher interest rates compared to secured loans

Sources: https://www.fundingagent.com

2. Century Business Finance

Century Business Finance offers quick unsecured loans for UK SMEs, typically used for business growth or short-term needs. It offers fast decisions and straightforward terms to fit various business profiles. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £250,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 1–5 years⌛

Services & Industries

• Finance Types: Unsecured business loans, SME loans
• Industries: SMEs, Breweries, Various, UK-based companies

Pros

• Fast processing
• No collateral required

Cons

• Higher rates for lower credit scores

Sources: https://www.centurybusinessfinance.co.uk/unsecured-business-loans

3. Barclays

Barclays Barclays provides both secured and unsecured business loans for UK SMEs, supporting growth and expansion. It offers quick access and tailored advice, suitable for various industries. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £25,000,000
• Min APR: 8.5%
• Max APR: 11.2%
• Loan Duration: 1–25 years⌛

Services & Industries

• Finance Types: Unsecured business loans, Secured loans
• Industries: Agriculture, Healthcare, Manufacturing, Real estate

Pros

• Flexible terms
• Strong customer support

Cons

• Stringent eligibility criteria

Sources: https://www.barclays.co.uk/business-banking/borrow/loans/

4. Fleximize

Fleximize Fleximize offers flexible business loans for UK SMEs needing quick access to funding, with options suitable for growth, equipment, or working capital. Its streamlined process supports various industry needs. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £500,000
• Min APR: 1.9%
• Max APR: 3.9%
• Loan Duration: 1–48 months⌛

Services & Industries

• Finance Types: Unsecured loans, Secured loans
• Industries: Retail, Services

Pros

• Quick approval
• Loyalty discounts on subsequent loans

Cons

• High APR for smaller loans

Sources: https://www.fleximize.co.uk/

5. Funding Circle

Funding Circle Funding Circle is a major online platform specialising in unsecured business loans for UK SMEs. It offers fast processing and flexible options. It connects lenders and borrowers efficiently. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £750,000
• Min APR: 6.9%
• Max APR: 0%
• Loan Duration: 6–72 months⌛

Services & Industries

• Finance Types: Unsecured business loans
• Industries: Various SMEs

Pros

• Fast loan decision
• Fixed interest rates

Cons

• Requires personal guarantee

Sources: https://www.fundingcircle.co.uk/

6. 365 Finance

365 Finance 365 Finance specialises in revenue-based funding solutions for UK SMEs. It offers flexible repayment options tied to revenue cycles. It supports growing businesses seeking quick, adaptable funding. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £500,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Flexible with no fixed terms⌛

Services & Industries

• Finance Types: Revenue-based finance, Merchant cash advance
• Industries: Retail, Hospitality

Pros

• No fixed payments
• Revenue-tailored repayments

Cons

• Requires steady card transaction revenue

Sources: https://www.365finance.co.uk/

7. iwoca

iwoca iwoca offers quick, flexible business loans for UK SMEs, supporting various funding needs. It features fast approval and a broad range of loan sizes. Its flexible terms help diverse sectors. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 6%
• Max APR: 49%
• Loan Duration: 1–24 months⌛

Services & Industries

• Finance Types: Business loans, Working capital loans
• Industries: Various SMEs, Retail, Hospitality

Pros

• Flexible draw-and-pay model
• Transparent fees

Cons

• High APR for longer terms

Sources: https://www.iwoca.co.uk/small-business-loans

8. Lloyds

Lloyds Lloyds offers a variety of business loans for UK SMEs, supporting growth and working capital needs. Its flexible options and personalised advice fit many sectors. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £50,000
• Min APR: 11.2%
• Max APR: 0%
• Loan Duration: 1–25 years⌛

Services & Industries

• Finance Types: Unsecured loans, Secured loans
• Industries: Various sectors, Professional services

Pros

• Personal financial guidance
• Wide range of products

Cons

• Higher rates for smaller loans

Sources: https://www.lloydstsb.co.uk/business/business-loans.html

9. Nucleus Commercial Finance

Nucleus Commercial Finance offers flexible business funding solutions for UK companies. It covers both short-term and long-term needs with custom options. Their process prioritises tailored solutions for growing businesses. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 5%
• Max APR: 15%
• Loan Duration: 3-60 months⌛

Services & Industries

• Finance Types: Working capital, Growth finance, Trade finance
• Industries: Construction, Healthcare, Retail

Pros

• No early repayment fees
• Flexible criteria

Cons

• Rates vary with credit score

Sources: https://nucleuscommercialfinance.com/

10. HSBC

HSBC HSBC provides a range of business loans designed for UK companies planning growth or managing working capital. It offers options for secured and unsecured loans with flexible terms. Their services target various sectors with tailored solutions. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 6.5%
• Max APR: 0%
• Loan Duration: 1–10 years⌛

Services & Industries

• Finance Types: Unsecured loans, Secured loans
• Industries: International businesses, Retail

Pros

• Strong international support
• Flexible APR options

Cons

• Strict approval process

Sources: https://www.hsbc.co.uk/business/loans-and-finance/

How to choose

Match loan size and APR to your budget, check eligibility, and balance speed against flexibility. Consider how repayments fit your franchise cash flow and seasonality. Review lender criteria, fees, and early repayment terms before applying. To secure a 90 thousand pounds loan, evaluate if a bank offers suitable unsecured options or if a broker can help find quick, flexible solutions. Think about whether collateral, security, or speed is more important for your circumstances. Comparing provider types can ensure you select the best fit for your financing needs.

Conclusion

Matching the right provider type is key. Banks typically offer larger, secured loans with longer terms. Brokers can connect you to faster or more flexible options, including unsecured loans. Sector-specific or specialised lenders may focus on particular industries or asset-backed finance. Funding Agent is a strong choice for quick comparisons across multiple options. Always confirm current costs and terms with the lender; pricing may change.