Best Lenders to Secure a 140k 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.
Funding Agent specialises in brokering business finance options quickly for UK SMEs. It is suitable for franchise owners and operators seeking straightforward comparisons across products with different repayment options. The service offers fast application processes and access to unsecured finance without 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
Barclays Bank provides a wide range of bank business loans and credit lines suitable for established medium to large businesses. It suits franchise operators needing flexible funding with competitive terms and access to secured and unsecured options. Barclays highlights include varied LTV bands and a choice of repayment structures.
Loan Details
- Min Amount: £10,000
- Max Amount: £1,000,000
- Min APR: 4%
- Max APR: 12%
- Loan Duration: 6–84 months ⌛
Services & Industries
- Finance Types: Overdraft, Business Loans
- Industries: Finance, Healthcare, Retail
Pros
- Wide range of financial products
- Strong global presence
Cons
- Higher rates for smaller loans
Lloyds Bank focuses on bank-provided credit lines and secured loans aimed at a broad range of UK enterprises. It suits franchises requiring flexible loan products with access to both secured and unsecured finance. Lloyds offers various repayment plans alongside tailored financial services.
Loan Details
- Min Amount: £10,000
- Max Amount: £1,500,000
- Min APR: 3.3%
- Max APR: 14.5%
- Loan Duration: 12–72 months ⌛
Services & Industries
- Finance Types: Lines of Credit, Secured Loans
- Industries: Construction, Services, Retail
Pros
- Competitive rates for large loans
- Flexible terms
Cons
- Complex application process
HSBC UK specialises in flexible business credit lines and fixed term loans suitable for UK SMEs. It works well for franchisees and operators needing scalable finance solutions with competitive APRs. HSBC’s products provide a balance of speed and adaptability, with global bank service backing.
Loan Details
- Min Amount: £15,000
- Max Amount: £2,000,000
- Min APR: 4.1%
- Max APR: 13.9%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Fixed Term Loans
- Industries: Energy, Retail, Technology
Pros
- Global services
- Competitive APR for large-scale loans
Cons
- Minimum loan amounts can be high
NatWest offers business lines of credit and loans tailored for SMEs, with an emphasis on service and flexibility. It is suitable for franchise buyers looking for personalised credit solutions with industry-relevant options. NatWest provides advice and multiple repayment types to fit differing business needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 3.5%
- Max APR: 15%
- Loan Duration: 6–84 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Business Loans
- Industries: Retail, Small Businesses, Tech Startups
Pros
- Personalized financial advice
- Wide industry coverage
Cons
- Potentially larger fees for extensions
6. Santander UK
Santander UK focuses on offering revolving credit and business loans with flexible terms for SMEs and large entities. It is suitable for franchise buyers seeking a broad range of finance options with accessible repayment methods. Santander UK aims to combine competitive rates with tailored customer support.
Loan Details
- Min Amount: £7,000
- Max Amount: £1,000,000
- Min APR: 5%
- Max APR: 11.5%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Business Loans
- Industries: Finance, Retail, Healthcare
Pros
- Strong customer support
- Range of financing options
Cons
- Higher rates for lower tiers
Metro Bank offers business lines of credit focused on personalised service and customer experience. It suits SMEs seeking approachable banking and flexible financing with straightforward application and repayments. Metro Bank prioritises responsiveness and a more tailored banking relationship.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 4.9%
- Max APR: 13.9%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, SME Loans
- Industries: Hospitality, Retail, Technology
Pros
- Excellent customer service
- Quick processing times
TSB Bank offers business lines of credit and overdraft products suited to UK SMEs and franchises. It suits borrowers looking for straightforward applications and tailored financial tools. TSB focuses on clear terms and flexibility across repayment options.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 3.9%
- Max APR: 14%
- Loan Duration: 6–72 months ⌛
Services & Industries
- Finance Types: Business Lines of Credit, Overdraft
- Industries: Manufacturing, Private Sector, Public Sector
Pros
- Simple application process
- Tailored financial solutions
Cons
- Higher APRs on smaller amounts
Clydesdale Bank offers a range of business lending products including lines of credit suited for small and medium-sized enterprises. It is suitable for franchise operators needing personalised support and a variety of credit options. The bank emphasises customer service and a broad product offering with clear criteria.
Loan Details
- Min Amount: £5,000
- Max Amount: £750,000
- Min APR: 4.5%
- Max APR: 15%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Business Loans
- Industries: Rural, Urban, SMEs
Pros
- Personalized customer support
- Variety of financial products
Cons
- Stricter eligibility requirements
10. RBS (Royal Bank of Scotland)
RBS (Royal Bank of Scotland) provides diverse business lending options, emphasising lines of credit with flexible terms. It is suited for franchises seeking well-established bank products with solid industry expertise. RBS focuses on offering a range of repayment structures and strong client support within the UK market.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 3%
- Max APR: 12.5%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Lines of Credit, Business Loans
- Industries: Healthcare, Retail, Construction
Pros
- Diverse financial services
- Strong industry expertise
How to choose
When securing a 140k business line of credit, consider lenders that match your business size and sector. Look for products offering flexibility in loan size and repayment terms to suit your cash flow pattern. Evaluate the speed of approval and application complexity, especially if quick access to funds is needed. Check collateral requirements and if unsecured options are available. Compare fees, eligibility, and broker access to find a balance between costs and convenience. Prioritise lenders with clear eligibility criteria and transparent terms.
Conclusion
Choosing the right lender depends on your specific financing needs and business circumstances. Banks are often suited for borrowers needing established products and strong sector expertise. Brokers, like Funding Agent, provide fast access to multiple lending options and unsecured funding. Specialist lenders may better serve those with unique credit profiles or niche industry requirements. Always ensure your choice aligns with your 140 thousand pounds loan goals, repayment capacity, and growth plans.
.png)
