February 12, 2026
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Best Lenders to Secure a 150k Revolving Credit Loan

Best Lenders to Secure a 150k Revolving Credit Loan

Discover the best lenders to secure a £150,000 revolving credit loan. Compare interest rates, terms, and eligibility to find the ideal credit solution for your needs.
Abdus-Samad Charles
Finance Writer

Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses.

Best Lenders to Secure a 150k 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.

1. Funding Agent

Funding Agent specialises in brokering business finance options for UK SMEs with an emphasis on speed and simple applications. It is suitable for franchises and small businesses seeking unsecured loans or working capital with a straightforward process. They offer flexible loan terms and typically do not require collateral.

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. Barclays

Barclays is a well-established bank providing varied business loans including commercial mortgages and unsecured loans. It suits franchise buyers and SMEs looking for flexible financing with a range of repayment options and competitive rates. The bank focuses on clear eligibility standards and may require collateral depending on the loan.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 3.2%
  • Max APR: 15.5%
  • Loan Duration: 12–84 months ⌛

Services & Industries

  • Finance Types: Business loans, Commercial mortgages
  • Industries: Manufacturing, Property, Healthcare

Pros

  • Competitive interest rates
  • Wide range of services

Cons

  • Tighter eligibility criteria

Sources: Source

3. Lloyds Bank

Lloyds Bank focuses on business loans and asset finance tailored for UK SMEs in various sectors. It is suitable for franchise owners requiring flexible borrowing with options for secured or unsecured loans. Loan applications may take longer, but flexible repayment plans and customer support are key features.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £350,000
  • Min APR: 4.5%
  • Max APR: 12.8%
  • Loan Duration: 6–72 months ⌛

Services & Industries

  • Finance Types: SME loans, Asset finance
  • Industries: Agriculture, Retail, Tourism

Pros

  • Strong customer support
  • Flexible borrowing options

Cons

  • Longer approval process

Sources: Source

4. HSBC

HSBC provides a wide range of business lending solutions targeting companies needing efficient finance management. It is suitable for franchise buyers and established SMEs looking for structured loans including overdrafts. HSBC’s lending tends to offer less flexibility in application but benefits from global expertise.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £400,000
  • Min APR: 4.2%
  • Max APR: 14.7%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Business loans, Overdrafts
  • Industries: Automotive, Food service, Technology

Pros

  • Global presence
  • Expert financial advice

Cons

  • Complex application process

Sources: Source

5. Santander UK

Santander UK offers tailored business banking products suitable for SMEs and larger corporations, including various loan types. It fits franchise buyers or businesses needing international trade finance and flexible repayments. Santander’s products offer competitive rates and a mix of secured and unsecured options with moderate loan approval speeds.

Loan Details

  • Min Amount: £15,000
  • Max Amount: £500,000
  • Min APR: 3.5%
  • Max APR: 13%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: SME loans, International trade finance
  • Industries: Energy, Finance, Telecommunications

Pros

  • Strong customer service
  • Competitive rates

Cons

  • Limited branch network

Sources: Source

6. NatWest

NatWest provides financial products including business loans designed for UK SMEs, focusing on flexibility and personalised services. It suits borrowers seeking real estate financing or working capital with adaptable terms. NatWest’s loans offer variable repayment structures and are suited for businesses that prefer a direct banking relationship.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £300,000
  • Min APR: 4%
  • Max APR: 16%
  • Loan Duration: 6–48 months ⌛

Services & Industries

  • Finance Types: Business loans, Real estate financing
  • Industries: Construction, Media, Healthcare

Pros

  • Personalized services
  • Flexible terms

Cons

  • Higher fees for smaller loans

Sources: Source

7. TSB

TSB focuses on community lending, offering loan products suited for small to medium enterprises with flexible terms. It is good for franchise buyers or start-ups wanting straightforward loans and equipment financing. TSB promotes accessible lending with options for no early repayment fees and manageable eligibility requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £200,000
  • Min APR: 6%
  • Max APR: 18.5%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Start-up loans, Equipment financing
  • Industries: Retail, IT, Manufacturing

Pros

  • Focus on small businesses
  • No early repayment charges

Cons

  • Limited loan amounts

Sources: Source

8. Metro Bank

Metro Bank presents a customer-focused approach emphasizing business loan solutions for SMEs. It is suitable for borrowers seeking revolving credit or overdraft facilities with transparent fees. Metro Bank offers extended service hours and tends towards flexible underwriting, though with a limited geographic reach.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 5%
  • Max APR: 20%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: Revolving credit, Business overdraft
  • Industries: Hospitality, Communication, Retail

Pros

  • Extended hours
  • Transparent fees

Cons

  • Limited geographic reach

Sources: Source

9. Virgin Money

Virgin Money provides straightforward business banking with multiple lending options including overdrafts. It suits franchise owners and small to medium businesses wanting simple loan products with clear terms. Their offerings focus on innovation but may come with stricter credit requirements.

Loan Details

  • Min Amount: £15,000
  • Max Amount: £350,000
  • Min APR: 4.4%
  • Max APR: 16.9%
  • Loan Duration: 12–72 months ⌛

Services & Industries

  • Finance Types: Business loans, Overdraft facilities
  • Industries: Travel, Leisure, Technology

Pros

  • Innovative solutions
  • Well-known brand

Cons

  • Strict credit requirements

Sources: Source

10. Co-op Bank

Co-op Bank is known for ethical banking practices and offers fixed and variable rate business loans. It suits SMEs focused on responsible lending and ethical finance in sectors like agriculture and education. The bank provides clear terms with moderate flexibility in repayment options and loan amounts.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £150,000
  • Min APR: 5.5%
  • Max APR: 17.5%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Fixed rate loans, Variable rate loans
  • Industries: Agriculture, Education, Environmental

Pros

  • Ethical banking practices
  • Great customer service

Cons

  • Lower loan maximum amounts

Sources: Source

How to choose

When selecting the best lender for a 150k revolving credit loan, consider how loan size and APR align with your financial capacity. Evaluate eligibility criteria carefully to ensure you qualify without unnecessary delays. Take note of how quickly the lender processes applications versus the flexibility of repayment options. Factor in whether collateral is required and if loan terms suit your franchise cash flow and seasonal needs. Checking fees and early repayment conditions is essential to avoid surprises. Lastly, explore if brokered access or specialist lenders fit your industry or business stage better than traditional banks.

Conclusion

Choosing the right lender for a 150 thousand pounds loan depends on your business needs and preferences. Banks often provide stability and a broad range of products but may have stricter criteria. Brokers like Funding Agent offer quick comparisons and streamlined access across multiple options. Specialist lenders can address niche requirements but might come with higher rates. Funding Agent remains a solid option for those prioritising speedy access to varied finance opportunities. Always verify current terms before deciding.

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FAQs

What is a revolving credit loan?
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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
2BarclaysA global financial services provider with a presence in over 40 countries offering a wide range of loans and financial products.£5,000–£250,000; 3.2%–15.5% APR; 12–84 months
3Lloyds BankLloyds Bank is one of the UK's leading financial institutions, providing a wide suite of financial services including various loan products.£10,000–£350,000; 4.5%–12.8% APR; 6–72 months
4HSBCHSBC provides a full range of lending solutions with expertise in helping companies manage their finances more efficiently.£20,000–£400,000; 4.2%–14.7% APR; 12–60 months
5Santander UKSantander UK offers a range of business banking products, tailored to the needs of SMEs and larger corporations.£15,000–£500,000; 3.5%–13% APR; 6–60 months
6NatWestNatWest offers a robust suite of financial products including loans designed specifically for SMEs in the UK.£10,000–£300,000; 4%–16% APR; 6–48 months
7TSBKnown for their community-focused approach, TSB provides various loan options suitable for small and medium enterprises.£5,000–£200,000; 6%–18.5% APR; 12–60 months
8Metro BankMetro Bank is a high-street bank that offers a customer-centric vein of banking, providing business loan solutions tailored for SMEs.£10,000–£250,000; 5%–20% APR; 6–60 months
9Virgin MoneyVirgin Money offers a straightforward approach to business banking, including various lending options for SMEs.£15,000–£350,000; 4.4%–16.9% APR; 12–72 months
10Co-op BankThe Co-operative Bank is renowned for its ethical stance and dedication to responsible banking, offering a variety of business loans.£5,000–£150,000; 5.5%–17.5% APR; 12–60 months
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