Best Lenders to Secure a 140k 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 specialising in UK SME finance comparisons. It is typically suitable for businesses that need fast access to various unsecured loan options with clear terms. The service offers a straightforward process with quick eligibility checks and flexible repayment arrangements.
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
Funding Circle focuses on delivering affordable term loans to small businesses in the UK. It suits borrowers seeking predictable repayments and clear loan terms with relatively quick approval processes. Collateral requirements and flexibility vary, making it suitable for expanding SMEs.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 4.9%
- Max APR: 27.2%
- Loan Duration: 6-60 months ⌛
Services & Industries
- Finance Types: Term Loans, Revolving Credit
- Industries: Construction, Healthcare
Pros
- Fast application process
- Personalized loan offers
Cons
- Higher APR for smaller loans
IWOCA specialises in providing short-term credit lines with fast decisions for small businesses. It is suitable for those seeking flexible repayment terms and quick access to working capital. IWOCA focuses on unsecured lending with various repayment options tailored to business needs.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 9.6%
- Max APR: 60%
- Loan Duration: 1-12 months ⌛
Services & Industries
- Finance Types: Short-term loans, Line of Credit
- Industries: Hospitality, Retail
Pros
- High loan approval rate
- Flexible repayment options
Cons
- Higher interest rates for new clients
Barclays Bank provides a broad range of business financial services including specialised lending products. It typically serves businesses seeking secured or unsecured loans with varying durations and competitive rates. The bank offers flexibility in repayment options and caters to clients needing support for growth or investment.
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 3.5%
- Max APR: 12.9%
- Loan Duration: 6-120 months ⌛
Services & Industries
- Finance Types: Business Loans, Business Overdrafts
- Industries: Technology, Retail
Pros
- Strong customer support
- Wide range of financial products
Cons
- Eligibility criteria can be stringent
NatWest offers flexible finance solutions tailored to SME requirements. It suits borrowers looking for varied loan products with manageable terms and access to supporting financial tools. The lender accommodates different industries and provides loan options with variable repayment flexibility.
Loan Details
- Min Amount: £1,000
- Max Amount: £500,000
- Min APR: 5%
- Max APR: 15%
- Loan Duration: 12-84 months ⌛
Services & Industries
- Finance Types: Business Loans, Invoice Financing
- Industries: Real Estate, Retail
Pros
- Flexible loan terms
- Helpful financial tools
Cons
- Complex application process
HSBC provides a diverse set of business finance solutions with an international reach. It caters to companies seeking flexible loan types including revolving credit and trade loans. Repayment and collateral options vary depending on the product and client profile, with typical suitability for established SMEs.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 3%
- Max APR: 11.5%
- Loan Duration: 12-60 months ⌛
Services & Industries
- Finance Types: Same-day loans, Revolving Credit, Trade loans
- Industries: Manufacturing, Services
Pros
- Competitive rates
- Global reach
Lloyds Bank delivers commercial loans and invoice finance with tailored support. It is suited for SMEs requiring structured financing with industry-specific advice. The bank provides variable terms and repayment options often involving collateral assessment.
Loan Details
- Min Amount: £1,000
- Max Amount: £5,000,000
- Min APR: 2%
- Max APR: 10%
- Loan Duration: 12-84 months ⌛
Services & Industries
- Finance Types: Commercial Loans, Invoice Discounting
- Industries: Agriculture, Manufacturing
Pros
- Tailored finance solutions
- Expert support
8. Santander
Santander offers business loans and asset finance targeting SMEs wishing to grow their operations. It features personalised services with terms that allow for flexible repayments and various eligibility considerations. Its solutions accommodate businesses across multiple sectors, particularly retailers and healthcare providers.
Loan Details
- Min Amount: £1,000
- Max Amount: £2,500,000
- Min APR: 3.4%
- Max APR: 11.6%
- Loan Duration: 6-60 months ⌛
Services & Industries
- Finance Types: Business Loans, Asset Finance
- Industries: Retail, Healthcare
Pros
- Personalized service
- Flexible loan terms
Cons
- Stringent credit check requirements
Metro Bank provides customer-focused business loans and overdraft facilities. It is suitable for SMEs valuing personalised service and accessibility, with loan terms designed to fit common business cycles. Metro Bank offers relatively simple loan arrangements and extended branch hours to support clients.
Loan Details
- Min Amount: £2,000
- Max Amount: £250,000
- Min APR: 5.5%
- Max APR: 20%
- Loan Duration: 12-60 months ⌛
Services & Industries
- Finance Types: Business Loans, Overdrafts
- Industries: Retail, Hospitality
Pros
- Extended branch hours
- High customer satisfaction
Allica Bank specialises in tailored business lending for UK SMEs with an emphasis on easy capital access. It is typically suited to borrowers seeking competitive rates and straightforward loan conditions. Flexible repayment options and a focus on selected industries support business growth requirements.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 4%
- Max APR: 15%
- Loan Duration: 6-60 months ⌛
Services & Industries
- Finance Types: Business Loans, Asset Finance
- Industries: Manufacturing, Retail
Pros
- Competitive rates
- Quick decision process
Cons
- Limited physical branches
How to choose
When choosing the best lender for a 140k revolving credit loan, consider the loan size and the APR carefully to match your budget. Check eligibility requirements for each provider and understand the balance between application speed and loan flexibility. Assess how repayments align with your franchise’s cash flow and seasonal variations. Take note of collateral requirements and whether the lender offers unsecured options. Review fees and terms regarding early repayment to avoid unexpected costs.
Conclusion
Choosing the right lender depends on your specific needs. Banks often provide structured finance with broad support but may have stricter eligibility and longer approval times. Brokers and specialist providers can offer faster access and tailored solutions but might have varying loan terms and security requirements. Funding Agent remains a useful platform for SMEs to quickly compare multiple finance options. Always verify current terms directly with the lender before proceeding with applications.
.png)
