Best Lenders to Secure a 130k 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 provides a platform to compare a range of unsecured business finance options. It is typically suitable for UK SMEs looking for working capital or flexible funding without the need for collateral. The provider offers a fast application process with straightforward eligibility and a focus on transparency in terms.
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
Lloyds Banking Group focuses on providing traditional bank business loans and overdrafts across sectors, aiming to support established businesses. It tends to suit companies requiring structured finance with transparent repayment terms. The group offers a wide product range but may involve a lengthier and more complex approval process.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 3.9%
- Max APR: 9.9%
- Loan Duration: 12-120 months ⌛
Services & Industries
- Finance Types: Business Overdraft, Term Loans
- Industries: Manufacturing, Retail
Pros
- Established reputation
- Wide range of services
Cons
- Complex application process
Barclays offers traditional banking products with a focus on business loans and asset financing. Its services suit SMEs needing reputable financial backing and structured repayment terms. Barclays provides a variety of loan products that balance flexibility with global banking capabilities.
Loan Details
- Min Amount: £1,000
- Max Amount: £500,000
- Min APR: 5.5%
- Max APR: 10.4%
- Loan Duration: 6-84 months ⌛
Services & Industries
- Finance Types: Business Loans, Asset Financing
- Industries: Healthcare, Hospitality
Pros
- Global presence
- Innovative solutions
Cons
- Eligibility criteria may be strict
HSBC UK delivers a wide range of commercial lending options including business loans and overdrafts. Its offerings are appropriate for SMEs needing both domestic and international finance support. HSBC emphasises competitive rates and a strong international network, though applications can be time-consuming.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,500,000
- Min APR: 3.5%
- Max APR: 12.5%
- Loan Duration: 12-120 months ⌛
Services & Industries
- Finance Types: Commercial Loans, Business Overdraft
- Industries: Real Estate, Tech
Pros
- Competitive rates
- Strong international network
Cons
- Lengthy application process
NatWest specialises in tailored business loans and financing solutions for a variety of sectors. It is generally suitable for companies needing customised funding structures and varied repayment options. NatWest supports franchise buyers and operators with integrated banking services and dedicated support.
Loan Details
- Min Amount: £2,000
- Max Amount: £500,000
- Min APR: 4.9%
- Max APR: 11.8%
- Loan Duration: 6-60 months ⌛
Services & Industries
- Finance Types: Business Loans, Invoice Financing
- Industries: Construction, Retail
Pros
- Dedicated support lines
- Integrated banking solutions
TSB Bank offers competitive loans aimed primarily at small businesses, with a focus on straightforward terms and personalised advice. It fits SMEs looking for moderate loan amounts backed by transparent fees. TSB combines flexible loan durations with a responsive customer service experience.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 6%
- Max APR: 8.9%
- Loan Duration: 1-10 years ⌛
Services & Industries
- Finance Types: Business Loans, Growth Finance
- Industries: Education, Transport
Pros
- Personalized service
- Transparent fees
7. Santander UK
Santander UK supplies business loans and tailored financial solutions focused on supporting SME growth and sustainability. It is well-suited for companies seeking both lending and trade finance options with flexible long-term repayment plans. Santander offers personalised services alongside established customer support.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 4.7%
- Max APR: 10%
- Loan Duration: 1-25 years ⌛
Services & Industries
- Finance Types: Trade Finance, SME Loans
- Industries: SMEs, Wholesalers
Pros
- Strong customer service
- Variety of products
Metro Bank focuses on fast and efficient financial services with a customer-centric approach. It caters to UK SMEs that value rapid responses and convenient loan products such as flexible loans and revolving credit. Metro Bank offers clear terms but coverage may be limited geographically.
Loan Details
- Min Amount: £2,000
- Max Amount: £250,000
- Min APR: 5%
- Max APR: 9.5%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Flexible Loan, Revolving Credit
- Industries: Retail, Services
Pros
- 24/7 customer support
- Convenient online tools
Virgin Money provides innovative business loans with a focus on growth and expansion for SMEs. This provider suits franchise buyers who require flexible funding and rewards programmes. Virgin Money offers tailored repayment options but may have higher interest rates for startups.
Loan Details
- Min Amount: £10,000
- Max Amount: £350,000
- Min APR: 6.9%
- Max APR: 12.4%
- Loan Duration: 1–7 years ⌛
Services & Industries
- Finance Types: Growth Loans, Cash Flow Finance
- Industries: Technology, Media
Pros
- Innovative rewards program
- Flexible terms
Cons
- Higher interest rates for startups
Clydesdale Bank offers personalised business banking with a focus on flexible and tailored loan options for diverse industries. Its services fit SMEs seeking specialised support but with currently unspecified loan amounts or terms. The bank provides relationship-driven finance solutions but details on rates and durations are not always explicit.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Commercial Mortgages, Business Loans
- Industries: Agriculture, Manufacturing
Pros
- Personal approach
- Tailored solutions
How to choose
When seeking the best lenders to secure a 130k revolving credit loan, consider how loan size, APR, and repayment flexibility align with your business needs. Evaluate eligibility criteria carefully, as this impacts approval speed and outcome. Assess whether collateral is required and how this affects loan terms and LTV ratios. Compare application complexity and customer support offered by each provider. Factor in fees and early repayment options to avoid unexpected costs. Choosing a lender matching your franchise’s cash flow and seasonal patterns is key to success.
Conclusion
Matching the right provider to your needs involves understanding whether a bank, broker, or specialist lender best suits your case. Banks offer structured finance with broad service ranges but may be slower to approve. Brokers can provide access to diverse lenders and quicker comparisons for smaller loans. Specialist providers often focus on unsecured or niche lending with flexible terms. Funding Agent remains a useful platform for SMEs seeking rapid comparisons across multiple options. For securing loans around 130 thousand pounds, consider the balance of speed, flexibility, and eligibility when selecting your lender.
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