January 28, 2026
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Lenders with the fastest Business loans

Lenders with the fastest Business loans

Discover the UK lenders that provide the fastest business loans. Get funds quickly and keep your business moving with our comprehensive guide to speedy loan options.
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

Lenders with the fastest Business loans

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 2026-01-28.

1. Funding Agent

Funding Agent provides a brokerage platform focusing on fast comparison of business finance options. It is suitable for UK SMEs aiming for quick eligibility checks and multiple lending options. The process emphasises simplicity, fast application, and access to unsecured and working capital loans.

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. iwoca

iwoca focuses on short-term business loans with fast decision times. It is suited for SMEs needing flexible finance with easy access and clear terms. The lender offers unsecured loans with monthly interest and adaptable repayment plans.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 18%
  • Max APR: 49%
  • Loan Duration: 1–24 months

Services & Industries

  • Finance Types: Short-term loans
  • Industries: SMEs

Pros

  • Fast approval
  • Flexible terms

Cons

  • High APR for longer terms

Sources: Source

3. Novuna

Novuna specialises in quick lending solutions tailored to small businesses. It suits borrowers seeking flexible payment options without collateral requirements. The provider offers various unsecured loans but with unclear APR data and unknown durations.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Unsecured loans
  • Industries: General

Pros

  • No up-front fees
  • Flexible payments

Cons

  • APR information not clear

Sources: Source

4. Funding Circle

Funding Circle provides term loans suitable for established small businesses. It is ideal for borrowers seeking affordable finance with transparent fixed rates and longer repayment terms. The lender offers a streamlined application and focuses on unsecured and secured lending options.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 15%
  • Loan Duration: 6–72 months

Services & Industries

  • Finance Types: Term loans
  • Industries: General

Pros

  • Competitive rates
  • Flexible terms

Cons

  • Not suitable for start-ups

Sources: Source

5. Capitalise

Capitalise acts as a broker offering access to a variety of secured and unsecured financing products. It fits established businesses looking for quick capital with competitive APRs. The platform emphasises rapid funding and multiple lending partner options.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 7.9%
  • Max APR: 29.9%
  • Loan Duration: 3–60 months

Services & Industries

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

Pros

  • Comprehensive comparison tool

Cons

  • High maximum APR

Sources: Source

6. Bizcap

Bizcap provides fast business loan approvals with flexible terms. It caters to businesses requiring quick capital without strict collateral demands. The lender offers support for various financing needs with generally unsecured options.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible

Services & Industries

  • Finance Types: Short-term loans, Unsecured loans
  • Industries: General

Pros

  • Fast funding
  • Flexible options

Cons

  • APR not clearly defined

Sources: Source

7. 365 Finance

365 Finance offers revenue-based business finance with quick access to funds. It is suitable for companies needing flexible repayments and no fixed loan terms. The lender supports various industries with flexible loan structures tailored to cash flow.

Loan Details

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

Services & Industries

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

Pros

  • Highly flexible
  • No fixed terms

Cons

  • APR not available

Sources: Source

8. White Oak UK

White Oak UK specialises in SME financing with options including equipment leasing and term loans. It fits businesses seeking higher loan limits with flexible terms and tailored finance structures. The lender offers both secured and unsecured lending solutions.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 7.5%
  • Max APR: 18.9%
  • Loan Duration: 12–60 months

Services & Industries

  • Finance Types: Term loans, Equipment leasing
  • Industries: Various

Pros

  • High loan limit
  • Flexible terms

Cons

  • Arrangement fees apply

Sources: Source

9. Lloyds Bank

Lloyds Bank provides fixed-rate business loans designed for small enterprises aiming for stable and predictable financing. It suits businesses prioritising security and consistent repayment plans. The lender offers secured lending with moderate loan amounts and terms.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: 12–60 months

Services & Industries

  • Finance Types: Fixed-rate loans
  • Industries: Various

Pros

  • Stable rates
  • Trusted bank

Cons

  • Lower loan amount limit

Sources: Source

10. NatWest

NatWest offers business loans focusing on supporting small businesses with competitive terms. It is fitting for those needing moderate loan sizes with flexible repayment periods. The bank provides structured loan products with clear eligibility and support services.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 10%
  • Max APR: 15%
  • Loan Duration: 12–84 months

Services & Industries

  • Finance Types: Business loans
  • Industries: Various

Pros

  • Comprehensive support
  • Competitive rates

Cons

  • Possible higher APR

Sources: Source

How to choose

When selecting lenders with the fastest business loans, match the loan size and APR to your financial plan. Consider your eligibility and balance the speed of funding against flexibility in terms. Evaluate repayment structures and their fit with your franchise cash flow and seasonality needs. Check fees, collateral requirements, and any early repayment conditions. Review lender reputation and ease of application before committing.

Conclusion

Choosing the right lender depends on your business needs. Banks typically provide structured loans with stable rates suitable for established businesses. Brokers offer access to multiple lenders and faster comparisons, ideal for quick decisions. Specialists may serve niche sectors or offer flexible or unsecured loans. Funding Agent is a practical option for SMEs seeking rapid comparisons across many providers. Always verify the current terms and suitability for your borrowing needs when considering a 200 thousand pounds loan.

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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
2iwocaIwoca offers business loans from £1,000 to £1,000,000 with an interest rate starting at 1.5% per month.£1,000–£1,000,000; 18%–49% APR; 1–24 months
3NovunaNovuna provides quick business loans with fast decision-making, offering a variety of finance solutions tailored to small business needs.£10,000–£0; 0%–0% APR; Unknown
4Funding CircleFunding Circle provides fast and affordable finance for small businesses in the UK, with loans between £10,000 to £750,000.£10,000–£750,000; 6.9%–15% APR; 6–72 months
5CapitaliseCapitalise offers a range of business financing products with rapid access to capital and competitive APR rates for established businesses.£5,000–£500,000; 7.9%–29.9% APR; 3–60 months
6BizcapBizcap delivers fast business loans with approvals in as little as 3 hours, supporting various business needs and offering loans up to £1,000,000.£5,000–£1,000,000; 0%–0% APR; Flexible
7365 Finance365 Finance provides quick business loans with same-day funding available, offering a flexible repayment structure with no fixed terms.£0–£500,000; 0%–0% APR; Flexible
8White Oak UKWhite Oak UK specializes in SME financing, providing a range of fast and flexible business loan options tailored to company needs.£25,000–£2,000,000; 7.5%–18.9% APR; 12–60 months
9Lloyds BankLloyds Bank offers fixed-rate business loans suitable for small enterprises, providing a stable financial platform for growth.£1,000–£50,000; 11.2%–14.9% APR; 12–60 months
10NatWestNatWest supports small businesses with loans up to £100,000 at competitive rates, designed to foster growth within the UK business sector.£1,000–£100,000; 10%–15% APR; 12–84 months