February 12, 2026
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Best Lenders to Secure a 100k to 150k Revolving Credit Loan

Best Lenders to Secure a 100k to 150k Revolving Credit Loan

Discover the best lenders to secure a revolving credit loan between £100,000 and £150,000 in the UK. Compare rates, terms, and find easy approval 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

Best Lenders to Secure a 100k to 150k 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 facilitating fast comparisons for UK SMEs seeking unsecured business finance. It is suitable for franchises and small companies needing flexible options with a focus on speed and straightforward applications. Products typically involve minimal collateral requirements and offer diverse repayment structures to accommodate different business 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 operates as a full-service bank offering a wide scope of retail and commercial banking products. It is typically suited for established businesses requiring comprehensive financial management solutions including credit facilities. Barclays emphasises robust risk assessments and may require collateral, focusing more on medium to long-term financing needs.

Loan Details

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

Services & Industries

  • Finance Types: Business Loans, Lines of Credit
  • Industries: Banking, Financial Services

Pros

  • Established reputation
  • Wide range of services

Cons

  • May have higher requirements for approval

Sources: Source

3. HSBC

HSBC delivers various banking and financial services worldwide, including business lending and revolving credit. It is appropriate for SMEs looking for established global bank products with flexible repayment options and a range of loan durations. HSBC generally requires formal applications with standard collateral considerations.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £150,000
  • Min APR: 3.5%
  • Max APR: 12.5%
  • Loan Duration: 6-120 months

Services & Industries

  • Finance Types: Business Loans, Revolving Credit
  • Industries: Banking, Financial Services

Pros

  • Attractive interest rates
  • Global offer

Cons

  • Lengthy application process

Sources: Source

4. Lloyds Bank

Lloyds Bank is a UK-based financial institution providing a range of commercial lending options including revolving credit facilities. It suits SME borrowers who prioritise personalised banking services along with flexible credit lines. Lloyds typically balances moderate collateral requirements with various repayment structures.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £200,000
  • Min APR: 4.9%
  • Max APR: 18.9%
  • Loan Duration: 1-60 months

Services & Industries

  • Finance Types: Business Loans, Revolving Credit Facilities
  • Industries: Various

Pros

  • Trusted UK banking institution
  • Personalized financial solutions

Cons

  • Complex application process

Sources: Source

5. NatWest

NatWest provides retail and commercial banking products, focusing on SME clients across the UK. It is suitable for franchise operators and businesses requiring standard loan and overdraft facilities with a structured approach to credit checks. NatWest offers flexibility in repayment options and may impose collateral depending on product and borrower profile.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £250,000
  • Min APR: 6%
  • Max APR: 16%
  • Loan Duration: 6-72 months

Services & Industries

  • Finance Types: Business Loans, Overdrafts
  • Industries: Banking, Financial Services

Pros

  • Helpful financial advice
  • Strong SME focus

Cons

  • Interest rates can be on the higher side

Sources: Source

6. Santander

Santander is a large UK bank offering a broad array of retail and commercial financial products. It fits SMEs needing adaptable lending, including working capital and revolving credit lines. Santander generally requires formal application and credit checks, with moderate emphasis on security depending on the loan product.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £300,000
  • Min APR: 5.9%
  • Max APR: 19.9%
  • Loan Duration: 12-72 months

Services & Industries

  • Finance Types: Business Loans, Revolving Credit Lines
  • Industries: Banking

Pros

  • Wide range of products
  • Available for large and small businesses

Cons

  • Stricter credit requirements

Sources: Source

7. Metro Bank

Metro Bank specialises in offering straightforward banking products for individuals and SMEs. It is suitable for those seeking transparent fees and customer-focused service. Metro Bank typically provides flexible lending within a limited geographic branch network, focusing on standard repayment options.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £100,000
  • Min APR: 8%
  • Max APR: 20%
  • Loan Duration: 12-48 months

Services & Industries

  • Finance Types: Business Loans, Overdrafts
  • Industries: Banking

Pros

  • Customer-friendly service
  • Transparent pricing

Cons

  • Limited branch network

Sources: Source

8. TSB

TSB offers banking with a focus on personal and SME clients, providing flexible lending tailored to business needs. It is designed for franchisees and smaller enterprises seeking quick access to credit. TSB's offerings include simple application processes with varied repayment and collateral arrangements.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £150,000
  • Min APR: 6.5%
  • Max APR: 15%
  • Loan Duration: 12-60 months

Services & Industries

  • Finance Types: Business Loans
  • Industries: Banking, Financial Services

Pros

  • Tailored financial products
  • Good customer service

Cons

  • Limited international services

Sources: Source

9. Yorkshire Bank

Yorkshire Bank provides financial services tailored to UK businesses with an emphasis on local knowledge and customer service. It suits SMEs seeking community-focused banking and straightforward credit products. The bank offers flexible loan options with varied collateral and repayment terms typical for regional providers.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 7.5%
  • Max APR: 20%
  • Loan Duration: 12-60 months

Services & Industries

  • Finance Types: Business Loans
  • Industries: Financial Services

Pros

  • Strong customer service
  • Community-focused bank

Cons

  • May not compete with larger banks on rates

Sources: Source

10. Virgin Money

Virgin Money offers business loans and credit facilities designed to meet diverse SME needs. Appropriate for businesses seeking innovative financial solutions with flexible repayment options, Virgin Money focuses on client service rather than traditional extensive branch networks. Loan processes typically emphasise convenience and tailored credit lines.

Loan Details

  • Min Amount: £30,000
  • Max Amount: £150,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business Loans, Credit Facilities
  • Industries: Financial Services

Pros

  • Innovative financial solutions
  • Strong customer service

Cons

  • Less traditional banking services

Sources: Source

How to choose

When selecting a lender to secure a 100k to 150k revolving credit loan, assess your borrowing needs against the lender’s specialisation and loan features. Consider loan size, APR, application speed, and whether flexibility in repayment schedules matters to your franchise cash flow. Check eligibility criteria and the extent of collateral or security required. Also, review lender-specific fees and early repayment terms to avoid surprises. Balancing speed against product flexibility will help ensure the loan suits your operational and financial circumstances.

Conclusion

Choosing the right lender depends on your business priorities and loan purpose. Banks typically offer stable options with comprehensive services but may require more documentation and security. Brokers and specialists like Funding Agent provide access to a range of tailored products and faster application processes, often with less collateral. Match lenders’ strengths to your need for loan size, speed, and flexibility. Always verify current terms directly with providers, recognising that prices and availability may change over time for loans in the 100 to 150 thousand pounds range.

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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
2BarclaysA major global financial services provider engaged in retail banking, credit cards, wholesale banking, investment banking, wealth management, and investment management services.£0–£0; 0%–0% APR; Unknown
3HSBCOne of the world’s largest banking and financial services organizations, providing a comprehensive range of financial services to individuals and businesses.£100,000–£150,000; 3.5%–12.5% APR; 6-120 months
4Lloyds BankLloyds Bank is a trusted UK-based bank offering a variety of financial products and services, including loans and lines of revolving credit.£50,000–£200,000; 4.9%–18.9% APR; 1-60 months
5NatWestA major retail and commercial bank in the United Kingdom, providing a full range of banking and lending products, with a focus on serving the SME sector.£25,000–£250,000; 6%–16% APR; 6-72 months
6SantanderSantander is a large retail and commercial bank, offering a wide range of financial products, including business loans and revolving credit options in the UK.£10,000–£300,000; 5.9%–19.9% APR; 12-72 months
7Metro BankMetro Bank provides financial services and is known for its straightforward banking products aimed at individuals and SMEs.£25,000–£100,000; 8%–20% APR; 12-48 months
8TSBTSB offers personal and business banking services, with flexible lending options tailored for SMEs.£20,000–£150,000; 6.5%–15% APR; 12-60 months
9Yorkshire BankYorkshire Bank is a UK-based bank providing a full range of financial services to businesses with a focus on customer service and local knowledge.£5,000–£250,000; 7.5%–20% APR; 12-60 months
10Virgin MoneyVirgin Money is a financial services brand offering a range of business finance solutions including loans and flexible credit lines.£30,000–£150,000; 0%–0% APR; Unknown