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.
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
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
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
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
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
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
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
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
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
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
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.