Best Lenders to Secure a 150k to 200k 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 focuses on providing an accessible platform for UK SMEs to compare a variety of business finance options quickly. It is typically suitable for franchise buyers and operators looking for clear terms without the need for collateral. The service emphasises speed and ease in application, matched with straightforward eligibility checks and flexible repayment options.
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 operates as a peer-to-peer marketplace connecting investors directly with small businesses seeking loans. It is well suited to franchises and SMEs looking for regulated lending solutions with a variety of repayment options. The platform offers competitive rates and caters to businesses that value transparent terms and moderate processing times.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 4.6%
- Max APR: 26.9%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Business Term Loan, Revolving Credit Facility
- Industries: Various
Pros
- High loan amounts
- Peer-to-peer ecosystem
- Wide acceptance globally
IWOCA specialises in providing flexible credit and funding solutions tailored for small businesses across the UK and Europe. It suits franchise operators and SMEs that need adaptable credit lines or loans with varying repayment structures. IWOCA’s approach focuses on fast decisions, flexibility, and catering to diverse industry needs without excessive collateral requirements.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 3.33%
- Max APR: 45%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Business Loan, Credit Line
- Industries: Retail, Wholesale
Pros
- Fast approval process
- Flexible credit options
Fleximize delivers flexible, bespoke business loan solutions targeted mainly at UK SMEs with specific financing needs. It is suitable for franchise operators seeking tailored credit products with transparent terms and potential revolving credit features. The lender emphasises adaptable repayment plans and convenience without heavy security demands.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 8%
- Max APR: 36%
- Loan Duration: 1–48 months ⌛
Services & Industries
- Finance Types: Term Loan, Revolving Credit Loan
- Industries: Healthcare, Construction
Pros
- No early repayment fees
- Tailored solutions
Capify offers alternative finance options including merchant cash advances and business loans primarily for SMEs in the UK. It is appropriate for franchises needing quick funding solutions with flexible access to capital but shorter loan durations. Collateral demands are generally lower, focusing on cash flow-based lending.
Loan Details
- Min Amount: £5,000
- Max Amount: £200,000
- Min APR: 9%
- Max APR: 36%
- Loan Duration: 3–24 months ⌛
Services & Industries
- Finance Types: Merchant Cash Advance, Business Loan
- Industries: Retail, Hospitality
Pros
- Easy online application
- Quick access to funds
Esme Loans specialises in providing straightforward and quick loan options for small businesses across the UK. It is well matched to franchisees seeking hassle-free online applications with fair terms and manageable repayment schedules. The lender’s focus on efficiency and fairness suits those prioritising speed and simplicity over complex criteria.
Loan Details
- Min Amount: £2,500
- Max Amount: £250,000
- Min APR: 4.5%
- Max APR: 21%
- Loan Duration: 1–60 months ⌛
Services & Industries
- Finance Types: Business Loan
- Industries: Various
Pros
- Speedy turnaround
- No early settlement fees
MarketFinance combines technological tools with expert insight to offer finance options tailored for UK SMEs. It suits franchise buyers and operators who need control over their cash flow with access to invoice finance and short-term loans. MarketFinance focuses on digital ease, transparency, and responsive support for flexible borrowing.
Loan Details
- Min Amount: £5,000
- Max Amount: £100,000
- Min APR: 4.9%
- Max APR: 19.9%
- Loan Duration: 3–12 months ⌛
Services & Industries
- Finance Types: Invoice Financing, Business Loan
- Industries: Technology, Services
Pros
- Smart technology integration
- Flexible finance options
Funding Options operates as a broker providing access to a broad network of UK lenders. It is often suitable for franchisees needing a variety of loan products including equipment finance with varying terms. This aggregator platform highlights flexibility in choice and broader eligibility criteria, useful for borrowers prioritising options and expert guidance.
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 5.5%
- Max APR: 30%
- Loan Duration: 1–60 months ⌛
Services & Industries
- Finance Types: Business Loan, Equipment Finance
- Industries: Various
Pros
- Access to many lenders
- Free consultations
Cons
- May involve complex processes
Nucleus Commercial Finance specialises in asset-based lending and business loans designed for UK SMEs seeking substantial finance secured on assets. It is appropriate for franchises with strong asset bases and those needing flexible cash flow solutions. This provider tends to focus on longer terms and more traditional security arrangements.
Loan Details
- Min Amount: £5,000
- Max Amount: £200,000
- Min APR: 8.9%
- Max APR: 29.9%
- Loan Duration: 3–72 months ⌛
Services & Industries
- Finance Types: Asset Based Lending, Business Loan
- Industries: Manufacturing, Logistics
Pros
- Multiple finance options
- Established provider
TradeRiver offers specialist non-bank finance solutions for businesses involved in international trade. It is ideal for franchisees and exporters who require flexible credit facilities tailored to global transactions. The provider emphasises digital access and flexible repayment structures designed around trade cycles and commodity flows.
Loan Details
- Min Amount: £10,000
- Max Amount: £300,000
- Min APR: 6%
- Max APR: 24%
- Loan Duration: Flexible ⌛
Services & Industries
- Finance Types: Trade Finance, Revolving Credit Facility
- Industries: Imports, Exports
Pros
- Focus on international trade
- Flexible usage
How to choose
When securing a revolving credit loan between 150k to 200k pounds, assess lenders based on how their loan sizes and APRs fit your financial capacity. Consider the speed of approval and funding, especially if cash flow timing is critical to your franchise. Review if the lender requires collateral or offers unsecured options, as this affects eligibility and flexibility. Check the variety of repayment terms available and whether loans are structured as revolving credit or fixed term. Use broker platforms for access to multiple lenders if you need choice and expert guidance. Finally, fully understand fees, eligibility criteria, and early repayment policies before committing.
Conclusion
Choosing the right lender depends on your specific needs and loan type, with banks often providing traditional secured loans and brokers offering access to diverse lenders. Specialists may be better if you require niche finance solutions or complex terms. Funding Agent is suitable for SMEs seeking rapid comparisons across various offers. When targeting a 200 thousand pounds loan, ensure the lender’s products align with your business cash flow, collateral availability, and repayment flexibility. Always verify terms directly with the provider, as conditions may change.
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