Best Lenders to Secure a 110k 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 offers fast comparison services for UK SMEs seeking business finance. It is suited to those requiring a straightforward application process and quick eligibility checks. The provider focuses on flexible, unsecured finance options without strict collateral requirements.
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
Lender A provides a variety of financial products mostly suitable for small and medium UK enterprises. It generally serves businesses looking for revolving credit and business loans with predictable repayment terms. The lender offers a balance of speed and flexibility, with some emphasis on established credit profiles.
Loan Details
- Min Amount: £10,000
- Max Amount: £200,000
- Min APR: 5%
- Max APR: 20%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Business Loans
- Industries: Technology, Healthcare
Pros
- Low APR for high credit scores
Cons
- Limited to established businesses
Lender B focuses on innovative financial solutions geared toward supporting business growth in sectors such as construction and logistics. It suits UK SMEs seeking revolving credit and invoice financing with flexible repayment structures. The lender offers options prioritising customization over speed, with variable fees depending on loan duration.
Loan Details
- Min Amount: £15,000
- Max Amount: £250,000
- Min APR: 6%
- Max APR: 18%
- Loan Duration: 12–48 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Invoice Financing
- Industries: Construction, Logistics
Pros
- Customizable repayment options
Cons
- Higher fees for short-term loans
Lender C provides fast and accessible funding solutions targeting UK businesses in retail and hospitality. It is suitable for those needing short- to medium-term revolving credit or advance financing with relatively quick approval times. The lender focuses on accessibility while accepting some higher interest rates.
Loan Details
- Min Amount: £5,000
- Max Amount: £100,000
- Min APR: 7%
- Max APR: 22%
- Loan Duration: 6–36 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Merchant Cash Advance
- Industries: Retail, Hospitality
Lender D specialises in lending tailored to startups and small businesses, with a focus on asset finance and revolving credit. It typically suits early-stage businesses requiring flexible funding with secured or collateralised options. Some products may require security but offer adaptable repayment terms.
Loan Details
- Min Amount: £5,000
- Max Amount: £150,000
- Min APR: 5.5%
- Max APR: 19%
- Loan Duration: 6–48 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Asset Finance
- Industries: Startups, Ecommerce
Pros
- Flexible funding solutions
Lender E targets SMEs needing working capital through term loans and revolving credit products. Its offerings suit businesses in service and manufacturing sectors seeking competitive APRs with a balance of repayment terms and credit flexibility. Some lending may involve strict repayment conditions.
Loan Details
- Min Amount: £10,000
- Max Amount: £300,000
- Min APR: 4.8%
- Max APR: 16.5%
- Loan Duration: 9–60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Term Loans
- Industries: Services, Manufacturing
Cons
- Stringent repayment terms
Lender F delivers accessible business finance products such as revolving credit and business lines, predominantly for UK SMEs in technology and retail. The lender offers no early repayment fees and aims for predictable lending terms, though eligibility requirements may be high. It balances speed with underwriting rigour.
Loan Details
- Min Amount: £7,000
- Max Amount: £120,000
- Min APR: 6.5%
- Max APR: 20%
- Loan Duration: 12–36 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Business Lines
- Industries: Technology, Retail
Cons
- High eligibility requirements
Lender G supplies financial products including revolving credit for diverse UK industries like manufacturing and healthcare. Its lending solutions cater to SMEs seeking customizable loan packages with a focus on medium-term durations and equipment financing. Approval may take longer given the specialised approach.
Loan Details
- Min Amount: £20,000
- Max Amount: £300,000
- Min APR: 5.2%
- Max APR: 21%
- Loan Duration: 9–48 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Equipment Financing
- Industries: Manufacturing, Healthcare
Pros
- Customizable loan packages
Lender H aims at startups by offering revolving credit and startup loans with a focus on innovation and accessibility. It suits early-stage UK businesses that require short- to medium-term funding options, though loans may carry higher interest rates. The lender prioritises supportive financing despite some cost considerations.
Loan Details
- Min Amount: £5,000
- Max Amount: £100,000
- Min APR: 6.7%
- Max APR: 23%
- Loan Duration: 6–24 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Startup Loans
- Industries: Startups, Technology
Pros
- Supportive for new businesses
Cons
- Higher interest for new clients
Lender I delivers tailored financial solutions focused on revolving credit and invoice financing. It is ideal for UK SMEs seeking flexible repayment plans with terms designed for logistics and retail sectors. The lender emphasises clear options for managing business cash flow needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £200,000
- Min APR: 5%
- Max APR: 19%
- Loan Duration: 12–48 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Invoice Financing
- Industries: Logistics, Retail
Cons
- Not suited for large businesses
How to choose
When seeking the best lenders to secure a 110k revolving credit loan, assess your business size and sector alignment with lender specialities. Match loan size and interest rates to your budget while considering eligibility criteria carefully. Balance application speed against repayment flexibility and required collateral. Review lender fees, early repayment options, and whether brokered access or direct lending suits your needs. Consider cash flow cycles and seasonality to ensure repayments fit your franchise business. Always verify terms and conditions before applying.
Conclusion
Choosing the right lender depends on your specific needs and business type. Bank lenders often offer structured loans suitable for established businesses, whereas brokers can provide access to a wider range of specialist lenders. Specialist providers may offer tailored products for startups, asset-backed finance, or specific industries. Funding Agent is a solid option for SMEs who want efficient comparisons and straightforward access to multiple finance sources. Understanding your requirements will help match you to the most appropriate provider for a loan around 110 thousand pounds.