March 17, 2026
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Best Business Line of Credit Lenders for the Travel and Tourism Industry

Discover the best business line of credit lenders tailored for the travel and tourism industry in the UK. Secure flexible financing to grow your business today.
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Best Business Line of Credit Lenders for the Travel and Tourism Industry
James Laden
Co-founder and CEO

8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey.

Best Business Line of Credit Lenders for the Travel and Tourism Industry

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 2026-03-16.

1. Funding Agent

Funding Agent provides a platform for UK SMEs to compare various business finance options efficiently. It is suited for franchise buyers and other businesses seeking straightforward terms without collateral. The service emphasises quick eligibility matching and offers flexibility in loan selection.

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. Triodos Bank

Triodos Bank offers business financing focused on organisations with positive social, environmental, or cultural objectives. It is suitable for established companies, including those in tourism, needing large, property-backed loans. Triodos emphasizes sustainable banking with flexible loan durations.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £20,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 25 years ⌛

Services & Industries

  • Finance Types: Large Loans, Property-Backed Loans
  • Industries: Tourism

Pros

  • Focus on sustainable businesses

Cons

  • APR information not always transparent

Sources: Source

3. OakNorth Bank

OakNorth Bank specialises in delivering secured loans starting from the £1 million mark, serving diverse sectors including hospitality. This lender suits businesses requiring tailored financial solutions with flexible repayment options. OakNorth is known for its speed in application handling and sector expertise.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Secured Loans
  • Industries: Hospitality

Pros

  • Sector specialists

Cons

  • High minimum loan amount

Sources: Source

4. Folk2Folk

Folk2Folk operates as a peer-to-peer lending platform, offering secured loans mainly secured against property. It is suitable for SMEs in leisure and tourism sectors seeking flexibility and clear loan terms. Folk2Folk focuses on providing medium-term loans with a relatively straightforward approval process.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £10,000,000
  • Min APR: 7.5%
  • Max APR: 9%
  • Loan Duration: 6 months to 5 years ⌛

Services & Industries

  • Finance Types: Secured Business Loans
  • Industries: Leisure and Tourism

Pros

  • Secured against property

Cons

  • High interest rates

Sources: Source

5. Merchant Cash Advance

Merchant Cash Advance offers flexible cash advances without fixed APR, suitable for businesses requiring adaptable repayment terms. It is well suited to travel agencies and SMEs that benefit from repayment linked to sales volume. The product focuses on speed and flexibility rather than traditional 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: Merchant Cash Advance
  • Industries: Travel Agencies

Pros

  • No fixed APR

Cons

  • Terms based on sales volume

Sources: Source

6. Fleximize

Fleximize offers secured and unsecured loans with flexible durations, aimed at SMEs requiring adaptable financing solutions. It is a good fit for hospitality and other sectors needing fast decision-making processes. Their focus is on customer needs with manageable repayment schedules.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 10.8%
  • Max APR: 0%
  • Loan Duration: 3–48 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Hospitality

Pros

  • No early repayment fees

Cons

  • Higher starting rates for new customers

Sources: Source

7. Active Business Finance (ABF)

Active Business Finance (ABF) provides tailored business loans with a focus on quick application and flexible solutions for SMEs. It fits companies in hospitality and travel sectors that need convenience and a personalised approach. Loan amounts and terms may vary, with an emphasis on meeting customer requirements.

Loan Details

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

Services & Industries

  • Finance Types: Business Loans, SME Loans
  • Industries: Hospitality, Travel

Pros

  • Fast approval

Cons

  • Lack of APR information

Sources: Source

8. Rangewell

Rangewell connects businesses to various lenders offering a broad array of secured and unsecured finance options. It is well suited for travel agencies and SMEs seeking asset finance and hire purchase arrangements with competitive terms. The application process can be detailed but offers a wide selection of finance solutions.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £5,000,000
  • Min APR: 6%
  • Max APR: 12%
  • Loan Duration: 1 to 7 years ⌛

Services & Industries

  • Finance Types: Asset Finance, Hire Purchase
  • Industries: Travel Agencies

Pros

  • Wide range of finance options

Cons

  • Complex application process

Sources: Source

9. Swift Fund

Swift Fund specialises in speedy advances for UK businesses, focusing primarily on unsecured loans. It suits hotels and lodging providers requiring quick access to finance with variable repayment terms. Swift Fund offers a straightforward process catering to clients seeking fast funding.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 8%
  • Max APR: 15%
  • Loan Duration: 1 month to 7 years ⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: Hotels and Lodgings

Pros

  • Fast funding

Cons

  • Higher rates for unsecured loans

Sources: Source

10. Money.co.uk

Money.co.uk aggregates business loan options in the UK, giving users a broad overview of available terms. This resource is suitable for SMEs in various industries looking for loans with secured or start-up focus. It helps users compare rates and loan features quickly and efficiently.

Loan Details

  • Min Amount: £500
  • Max Amount: £15,000,000
  • Min APR: 7.5%
  • Max APR: 0%
  • Loan Duration: Up to 5 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Start-Up Loans
  • Industries: Various

Pros

  • Comprehensive loan comparisons

Cons

  • Not a direct lender

Sources: Source

How to choose

When selecting a business line of credit lender for the travel and tourism industry, consider the size and terms of the loan in relation to your operational needs. Evaluate eligibility criteria carefully, as some lenders specialise in certain sectors or loan types. Balance the urgency of funding against the flexibility of repayment options. Look for lenders offering tailored solutions to accommodate seasonal cash flow fluctuations common in travel businesses. Confirm if collateral is required and understand early repayment policies to avoid unexpected fees.

Conclusion

Choosing the right lender depends on your specific use case. Banks often handle larger, secured loans suitable for property or asset purchases. Brokers and specialists may offer quicker access to flexible loans for working capital or seasonal needs. Funding Agent remains a useful starting point for SMEs requiring fast comparisons across multiple options. Always verify the most current loan terms and conditions before committing. For loans around 200 thousand pounds and similar amounts, aligning provider expertise with business demands is key.

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FAQs

What is a business line of credit?
Why is a business line of credit useful for travel and tourism businesses?
How do I qualify for a business line of credit in the travel sector?
What are the common interest rates for business lines of credit?
Can startups in the travel industry get a business line of credit?
How can I choose the best lender for my travel business?

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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
2Triodos BankTriodos Bank finances organizations supporting positive social, environmental, or cultural change, offering business loans up to £20 million.£1,000,000–£20,000,000; 0%–0% APR; Up to 25 years
3OakNorth BankOakNorth Bank provides business loans from £1 million, helping businesses across various sectors with rapid, flexible financing solutions.£1,000,000–£0; 0%–0% APR; Unknown
4Folk2FolkFolk2Folk is the UK’s largest peer-to-peer lender to business borrowers, offering secured loans up to £10 million.£100,000–£10,000,000; 7.5%–9% APR; 6 months to 5 years
5Merchant Cash AdvanceMerchant Cash Advance helps businesses with cash advances up to £500,000 without the need for fixed APR rates, offering flexibility in repayment.£0–£500,000; 0%–0% APR; No fixed terms
6FleximizeFleximize provides financing for SMEs, offering loans up to £500k with flexible terms and a focus on customer needs.£5,000–£500,000; 10.8%–0% APR; 3–48 months
7Active Business Finance (ABF)ABF offers flexible business loans for UK SMEs with a focus on fast application processes and tailored financial solutions.£0–£0; 0%–0% APR; Unknown
8RangewellRangewell connects businesses with lenders offering competitive rates for various types of finance including secured and unsecured loans.£5,000–£5,000,000; 6%–12% APR; 1 to 7 years
9Swift FundSwift Fund provides quick and efficient business advances for UK companies, specializing in unsecured and secured business loans.£10,000–£750,000; 8%–15% APR; 1 month to 7 years
10Money.co.ukMoney.co.uk offers a comprehensive overview of business loans available in the UK, helping companies find the best rates and terms.£500–£15,000,000; 7.5%–0% APR; Up to 5 years
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