February 12, 2026
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Best Lenders to Secure a 100k Revolving Credit Loan

Best Lenders to Secure a 100k Revolving Credit Loan

Discover the best lenders to secure a £100,000 revolving credit loan. Compare rates, terms, and eligibility to find the perfect credit solution for your needs.
Abdus-Samad Charles
Finance Writer

Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses.

Best Lenders to Secure a 100k Revolving Credit 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 2026-02-12.

1. Funding Agent

Funding Agent acts as a broker helping UK SMEs compare a range of business finance options quickly and with ease. It suits franchise buyers and small businesses needing flexible unsecured lending solutions. The service emphasises simplicity, speed, and no collateral requirements, offering options that match borrower needs.

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. Barclays

Barclays is a full-service bank focusing on business banking products including loans and revolving credit facilities. It is suitable for franchise operators requiring structured financing with formal eligibility conditions. Barclays offers a range of options balancing flexibility, term variety and collateral requirements depending on the product.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 3.9%
  • Max APR: 24.9%
  • Loan Duration: 12–84 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Overdrafts
  • Industries: Business Services, Retail

Pros

  • Wide array of financial products
  • Strong customer service

Cons

  • Strict eligibility criteria

Sources: Source

3. HSBC

HSBC provides a broad selection of banking and lending solutions focused on both business and personal sectors. It suits franchise customers who need reliable revolving credit and loan products with various repayment options. HSBC's lending often includes considerations for security, with tailored terms depending on client needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 4.9%
  • Max APR: 22.9%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Loans
  • Industries: Finance, Retail, Real Estate

Pros

  • Global presence
  • Strong financial stability

Cons

  • Lengthy application process

Sources: Source

4. Lloyds Bank

Lloyds Bank specialises in retail and commercial banking with a focus on flexible loan products including revolving credit. It is well-suited for franchise buyers seeking predictable terms and moderate loan sizes. Lloyds provides options with a mix of secured and unsecured lending, with a variety of repayment choices.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 4.5%
  • Max APR: 20.9%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Small Business Loans
  • Industries: Finance, Healthcare

Pros

  • Comprehensive financial services
  • Trusted brand

Cons

  • High rates for small amounts

Sources: Source

5. NatWest

NatWest is a key UK retail and commercial bank offering various finance products suitable for SMEs. It fits franchisees needing loans or revolving credit with competitive terms and accessible application processes. NatWest combines flexibility with targeted industry expertise, often supported by broker and online channels.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £750,000
  • Min APR: 3%
  • Max APR: 18.9%
  • Loan Duration: 6–84 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Business Loans
  • Industries: SMEs, Corporate

Pros

  • Easy to use online services
  • Competitive rates

Cons

  • Limited to UK market

Sources: Source

6. Santander

Santander provides a wide variety of financial products for personal and business clients, including secured and unsecured lending. It is suitable for franchise buyers interested in flexible loan and credit options with varying security and repayment features. Santander emphasises customer service and product range while maintaining moderate speed of approval.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £1,000,000
  • Min APR: 2.9%
  • Max APR: 19.9%
  • Loan Duration: 12–72 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Secured Loans
  • Industries: Retail, Real Estate

Pros

  • Wide selection of products
  • Strong customer support

Cons

  • Lengthy approval process

Sources: Source

7. TSB

TSB offers personal and business banking with lending products designed for smaller to medium enterprises. Its solutions are relevant for franchise owners needing revolving credit or term loans with reasonable application processes. TSB highlights personalised service and competitive pricing within its lending suite.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 4.1%
  • Max APR: 21.9%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Term Loans
  • Industries: SMEs, Startups

Pros

  • Personalized service
  • Competitive rates

Cons

  • Limited online support

Sources: Source

8. Metro Bank

Metro Bank provides personal and commercial banking with a focus on convenience and customer service. It fits UK franchise buyers who value service-oriented lending and a range of revolving credit and overdraft facilities. Metro Bank balances accessible borrowing with friendly support, though branch coverage is limited.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 3.9%
  • Max APR: 22.9%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Overdrafts
  • Industries: Retail, Business Services

Pros

  • Convenient locations
  • Friendly service

Cons

  • Limited branch network

Sources: Source

9. Clydesdale Bank

Clydesdale Bank offers a spectrum of financial products focused on both personal and commercial clients primarily in Scotland. It serves franchise buyers needing flexible revolving credit with varied loan types and repayment structures. Clydesdale emphasises local knowledge and tailored solutions within its lending approach.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £500,000
  • Min APR: 4.9%
  • Max APR: 20%
  • Loan Duration: 6–48 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Variable Loans
  • Industries: Finance, Agriculture

Pros

  • Strong Scottish presence
  • Various financial products

Cons

  • Regional limitations

Sources: Source

10. Virgin Money

Virgin Money specialises in business banking and credit facilities, offering various revolving credit and credit card options. It is suitable for franchise buyers who require flexible finance with a broad product selection. Virgin Money emphasises brand strength and innovative lending solutions tailored to business needs.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £250,000
  • Min APR: 5%
  • Max APR: 20.9%
  • Loan Duration: 6–120 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Credit Cards
  • Industries: Corporate, SMEs

Pros

  • Strong brand
  • Innovative solutions

Cons

  • Higher rates for small loans

Sources: Source

How to choose

When securing a 100k revolving credit loan, focus on matching the loan amount and APR to your cash flow and budget constraints. Assess eligibility requirements carefully, as these can vary widely among providers. Balance loan speed against the flexibility of terms, including repayment options and collateral demands. Consider the lender type - banks may offer stability and breadth of products, while brokers provide speed and choice. Review any fees or penalties, especially for early repayment. Ensure loan repayments align with your franchise’s seasonal revenue.

Conclusion

Selecting the right lender depends on your business needs, loan size and security preferences. Banks suit borrowers seeking established providers with broad product sets and formal processes. Brokers like Funding Agent offer faster access to multiple options, often unsecured. Specialists may fit niche or secured financing needs. Matching lender type to your use case ensures the best fit for securing a 100 thousand pounds loan with suitable conditions and service levels.

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FAQs

What is a revolving credit loan?
How can I qualify for a £100k revolving credit loan?
Which UK lenders offer revolving credit loans up to £100,000?
What are the typical interest rates for a £100k revolving credit loan?
Are there any fees associated with revolving credit loans?
Can I pay off my revolving credit loan early without penalty?

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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
2BarclaysBarclays is a British multinational universal bank, offering various financial products and services for personal and business customers.£1,000–£1,000,000; 3.9%–24.9% APR; 12–84 months
3HSBCHSBC Holdings plc is a British multinational banking and financial services organization providing diversified financial solutions for businesses and individuals.£1,000–£1,000,000; 4.9%–22.9% APR; 12–60 months
4Lloyds BankLloyds Bank is a well-known British retail and commercial bank offering a broad range of financial services, including loans and credit facilities.£1,000–£500,000; 4.5%–20.9% APR; 6–60 months
5NatWestNatWest is a major retail and commercial bank in the UK, offering customers a wide range of financial solutions.£1,000–£750,000; 3%–18.9% APR; 6–84 months
6SantanderSantander UK is a large provider of financial services in the UK, catering to both personal and business customers with various banking solutions.£2,000–£1,000,000; 2.9%–19.9% APR; 12–72 months
7TSBTSB Bank offers personal and business banking services with a range of lending options suitable for small to medium enterprises.£1,000–£500,000; 4.1%–21.9% APR; 6–60 months
8Metro BankMetro Bank offers personal and commercial banking services with emphasis on customer-oriented approach and convenience.£1,000–£500,000; 3.9%–22.9% APR; 12–60 months
9Clydesdale BankClydesdale Bank provides a range of financial products and services to personal and business customers in Scotland and the UK.£2,000–£500,000; 4.9%–20% APR; 6–48 months
10Virgin MoneyVirgin Money offers a comprehensive range of financial products and services, specializing in business banking and credit facilities.£2,000–£250,000; 5%–20.9% APR; 6–120 months
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