February 12, 2026
Lists
Square image with a black border and white background
Best Lenders to Secure a 130k Business Line of Credit

Best Lenders to Secure a 130k Business Line of Credit

Discover the best lenders in the UK to secure a £130,000 business line of credit. Compare rates, terms, and application tips to find the right finance for your business needs.
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 Lenders to Secure a 130k Business Line of Credit

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 focuses on helping UK SMEs quickly compare various business finance products through a streamlined application process. It is typically suitable for franchise buyers and operators seeking flexible and unsecured funding options without collateral. The provider emphasizes speed and accessibility, offering straightforward eligibility matching and multiple repayment structures.

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. LendingCrowd

LendingCrowd operates as an online peer-to-peer platform connecting investors with UK SMEs. It generally suits franchise buyers seeking growth capital with clear, mid-sized loan options. The platform offers flexible repayment options and does not typically require collateral, promoting moderate-speed application and funding.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 5.95%
  • Max APR: 12.5%
  • Loan Duration: 6-60 months

Services & Industries

  • Finance Types: Business Loans, Peer-to-Peer Lending
  • Industries: Technology, Services, Retail

Pros

  • Quick application process
  • No early repayment fees

Cons

  • Limited to UK businesses

Sources: Source

3. Bank of Scotland

Bank of Scotland provides traditional banking services including business accounts and loans suited to a broad range of franchise buyers. It typically supports secured and unsecured lending with flexible repayment options and moderate-to-long term durations. The provider is known for reliable underwriting and can involve more detailed application procedures.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £1,000,000
  • Min APR: 2.5%
  • Max APR: 13.5%
  • Loan Duration: 6-180 months

Services & Industries

  • Finance Types: Business Loans, Asset Finance
  • Industries: Construction, Hospitality

Pros

  • Established brand
  • Wide range of services

Cons

  • Lengthy application process

Sources: Source

4. Barclays

Barclays offers comprehensive business banking solutions, supporting a variety of franchise needs from early-stage to established enterprises. This lender provides flexible loan structures often secured against assets, with varied repayment terms suitable for longer durations. Barclays is known for robust customer service and a broad product range, balancing formality with tailored support.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £5,000,000
  • Min APR: 4.9%
  • Max APR: 22.9%
  • Loan Duration: 12-240 months

Services & Industries

  • Finance Types: Business Loans, Credit Facilities
  • Industries: Healthcare, IT, Retail

Pros

  • Global reach
  • Strong customer support

Cons

  • Higher rates for small loans

Sources: Source

5. Cater Allen Private Bank

Cater Allen Private Bank specialises in private banking and tailored business finance, focusing on high net worth clients and niche professional sectors. It typically suits businesses requiring bespoke solutions with a high entry threshold and bespoke credit assessment. The bank offers exclusive product access though standard loan amount and APR data are unavailable.

Loan Details

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

Services & Industries

  • Finance Types: Private Banking, Business Finance
  • Industries: Professional Services, Finance

Pros

  • Bespoke services
  • Exclusive products

Cons

  • High entry requirements
  • Limited transparency

Sources: Source

6. HSBC UK

HSBC UK delivers a wide array of financial products globally, including commercial banking solutions for UK franchises. It is suitable for businesses looking for flexible credit lines and varied loan durations, often with collateral options and scalable repayment plans. HSBC emphasises digital access and international support, though fee structures can be complex.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000,000
  • Min APR: 2.9%
  • Max APR: 21.9%
  • Loan Duration: 1-240 months

Services & Industries

  • Finance Types: Commercial Banking, Business Credit
  • Industries: Agriculture, Energy, Manufacturing

Pros

  • Global presence
  • Strong digital platform

Cons

  • Complex fee structures

Sources: Source

7. Lloyds Bank

Lloyds Bank supports UK franchises with a focus on business lending and advisory services. It is ideal for those needing tailored growth capital with options for secured and unsecured loans. Lloyds provides robust local branch support and a variety of repayment arrangements, aiming for reliability and consistent service.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £3,000,000
  • Min APR: 3.5%
  • Max APR: 14.5%
  • Loan Duration: 12-180 months

Services & Industries

  • Finance Types: Business Loans, Merchant Services
  • Industries: Retail, Manufacturing

Pros

  • Strong UK focus
  • Wide branch network

Cons

  • Rigorous application process

Sources: Source

8. Santander UK

Santander UK offers business lending products designed to support varied franchise sector needs, focusing on customer service and satisfaction. The bank generally provides secured and unsecured loan options with flexible repayment terms. It aims to balance competitive pricing with extensive support across education, logistics, and retail sectors.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,500,000
  • Min APR: 3%
  • Max APR: 18%
  • Loan Duration: 3-144 months

Services & Industries

  • Finance Types: Business Lending, Secured Loans
  • Industries: Education, Logistics, Retail

Pros

  • Customer-centric
  • Innovative solutions

Cons

  • Lengthy approval times

Sources: Source

9. Metro Bank

Metro Bank provides straightforward personal and business financial products with customer-focused service tailored to franchise operators. It suits those seeking flexible lending and credit card options with accessible service but may have limits on branch network availability. Metro Bank emphasises flexible repayment structures and prompt client support.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £1,000,000
  • Min APR: 2.9%
  • Max APR: 17.9%
  • Loan Duration: 6-120 months

Services & Industries

  • Finance Types: Business Loans, Business Credit Cards
  • Industries: Retail, Property

Pros

  • Customer service excellence
  • Flexible approach

Cons

  • Limited branch network

Sources: Source

10. NatWest

NatWest offers a variety of business financial products tailored to support franchise owners with growth and sustainability needs. This lender provides a mix of secured and unsecured loans and overdrafts, alongside comprehensive online services. It is appropriate for UK SMEs requiring adaptable credit solutions and solid branch presence.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £2,000,000
  • Min APR: 2.5%
  • Max APR: 16.5%
  • Loan Duration: 6-180 months

Services & Industries

  • Finance Types: Business Loans, Overdrafts
  • Industries: Retail, Hospitality, Technology

Pros

  • Comprehensive online services
  • Strong UK presence

Cons

  • Service fees may apply

Sources: Source

How to choose

When seeking the best lenders to secure a 130k business line of credit, carefully consider how loan size and APR fit your financial capacity. Assess eligibility criteria to ensure you meet lender requirements. Balance your need for speed with the flexibility of loan terms offered. Review fees, early repayment options, and whether the loan requires collateral. Also, evaluate how repayment schedules align with your franchise cash flow and seasonal variations. Finally, consider brokered access versus direct lender applications to find the best fit.

Conclusion

Selecting the right provider depends on your business needs. Banks typically offer secure loans with varied term lengths suitable for property or asset-backed finance. Brokers may provide faster access to multiple options but often focus on unsecured loans. Specialist lenders fill niches such as peer-to-peer lending or private banking solutions. Funding Agent remains a useful option for quick comparison across many choices when securing a loan around 130 thousand pounds. Always confirm details directly with providers before proceeding.

Table of Contents

Let’s launch your project?

arrow button

Find the right lender for you!

Generate offers
Cta image

FAQs

What is a business line of credit?
How can I qualify for a £130k business line of credit?
Which lenders offer the best rates for a £130k business line of credit?
How long does it take to get approved for a business line of credit?
What are the typical repayment terms for a business line of credit?
Can I use a business line of credit for any business expenses?

Get Funding For
Your Business

Generate offers
Cta image
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
2LendingCrowdLendingCrowd is an online peer-to-peer platform that connects investors with SMEs seeking growth capital.£5,000–£250,000; 5.95%–12.5% APR; 6-60 months
3Bank of ScotlandBank of Scotland offers a wide range of financial services including business bank accounts and loans.£2,000–£1,000,000; 2.5%–13.5% APR; 6-180 months
4BarclaysBarclays provides tailored business solutions to support businesses at every stage of their lifecycle.£1,000–£5,000,000; 4.9%–22.9% APR; 12-240 months
5Cater Allen Private BankCater Allen provides specialist banking services tailored for businesses and entrepreneurs.£0–£0; 0%–0% APR; Unknown
6HSBC UKHSBC offers a comprehensive range of financial products and services to businesses and individuals worldwide.£1,000–£10,000,000; 2.9%–21.9% APR; 1-240 months
7Lloyds BankLloyds Bank is dedicated to helping businesses grow by providing a variety of lending options and business advice.£1,000–£3,000,000; 3.5%–14.5% APR; 12-180 months
8Santander UKSantander UK delivers a range of financial products and services to support businesses, with a focus on customer satisfaction.£1,000–£1,500,000; 3%–18% APR; 3-144 months
9Metro BankMetro Bank provides personal and business financial products in a straightforward, customer-focused approach.£2,000–£1,000,000; 2.9%–17.9% APR; 6-120 months
10NatWestNatWest supports businesses through a variety of financial products designed to aid growth and sustainability in the UK market.£1,000–£2,000,000; 2.5%–16.5% APR; 6-180 months