Best Lenders to Secure a 170k 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 offers a comparison service focused on business finance solutions for UK SMEs. It is suited for franchise buyers and operators looking for straightforward options without collateral. The provider prioritises fast application and pre-qualification to help borrowers quickly find relevant finance products.
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 provides direct lending by connecting investors with small businesses. It is typically suitable for borrowers requiring unsecured loans or revolving credit with clear terms. The platform emphasises speed of decision and flexibility, making it useful for diverse business financing needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 4.9%
- Max APR: 26.9%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Business Loans, Revolving Credit
- Industries: All sectors
Pros
- Fast decision
- No early repayment fees
Cons
- High APR for some borrowers
Iwoca focuses on flexible credit solutions designed for small UK businesses needing cash flow support. It suits businesses looking for short-term funding with adaptable repayment options. Speed and ease of access to funds are key features, with a variety of loan products available including revolving credit.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 2.9%
- Max APR: 35%
- Loan Duration: 1–12 months ⌛
Services & Industries
- Finance Types: Cash Flow Loans, Revolving Credit
- Industries: Retail, Hospitality, IT Services
Pros
- Quick access to funds
- Flexible repayments
Cons
- Higher rates for new businesses
Fleximize specialises in bespoke lending solutions for small to medium UK enterprises. Suitable for borrowers seeking tailored terms and a range of financing options including revenue-based finance. The provider offers flexible loan structures and support to accommodate different business needs and repayment preferences.
Loan Details
- Min Amount: £5,000
- Max Amount: £1,000,000
- Min APR: 8%
- Max APR: 25%
- Loan Duration: 3–48 months ⌛
Services & Industries
- Finance Types: Business Loans, Revenue-based Financing
- Industries: E-commerce, Finance, Healthcare
Pros
- No hidden fees
- Tailored support
Cons
- Complex application process
LendingCrowd operates a marketplace model offering innovative loan options mainly for SMEs. It suits businesses requiring growth finance or business loans with brokered investor capital. The platform provides relatively quick decisions and diverse lending solutions across sectors like manufacturing and technology.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 5.95%
- Max APR: 25.4%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Business Loans, Growth Loans
- Industries: Manufacturing, Technology, Construction
Pros
- Quick decisions
- Investor capital
RateSetter is a peer-to-peer lending platform connecting retail investors with borrowers. It is suited to SMEs needing unsecured personal and business loans with varied rates and terms. The platform offers a diverse funding pool but loan sizes can be limited compared to traditional lenders.
Loan Details
- Min Amount: £1,000
- Max Amount: £250,000
- Min APR: 3%
- Max APR: 30%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Personal Loans, Business Loans
- Industries: Retail, Medical, Educational Services
Pros
- Low minimum loan amount
- Diverse funding options
MarketFinance offers financing tailored to businesses needing loans or invoice discounting products. It suits businesses wanting flexible funding linked to receivables or working capital. The service places emphasis on streamlined approvals and adaptable loan terms to cover short and medium-term financing needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 4%
- Max APR: 23%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Invoice Financing, Business Loans
- Industries: Technology, Logistics, Professional Services
Pros
- Flexible finance options
- Quick approval process
Cons
- Higher rates for smaller loans
Growth Street provides revolving credit facilities designed for flexible working capital solutions. It is suitable for businesses seeking adaptable credit lines with predictable costs over fixed terms. The provider targets established SMEs needing accessible funds without upfront fees or fixed repayment schedules.
Loan Details
- Min Amount: £25,000
- Max Amount: £1
- Min APR: 5.9%
- Max APR: 21.6%
- Loan Duration: 12 months ⌛
Services & Industries
- Finance Types: Revolving Credit Facilities
- Industries: Manufacturing, Wholesale, Retail
Pros
- No sneaky fees
- Flexible working capital
Cons
- Not suitable for startups
Just Cashflow focuses on lending solutions aimed at cash flow management for UK businesses. It is appropriate for companies requiring short to medium term revolving credit or bridging loans. The lender offers flexible arrangements but tends to suit more established businesses due to varied rate requirements.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 6.2%
- Max APR: 29%
- Loan Duration: 3–24 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Bridging Loans
- Industries: Construction, Retail, Transport
Pros
- Quick release of funds
- Flexible arrangements
Cons
- Higher rates for newer companies
ThinCats delivers financing solutions for medium-sized UK businesses, focusing on tailored funding for growth and capital needs. It is suitable for businesses with higher borrowing requirements and longer loan durations. The company offers bespoke lending matched to borrower profiles and industry sectors.
Loan Details
- Min Amount: £250,000
- Max Amount: £15,000,000
- Min APR: 5.5%
- Max APR: 15%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: SME Loans, Growth Capital
- Industries: Health, Education, Telecommunications
Pros
- High loan amounts
- Tailored funding
How to choose
When securing a 170k revolving credit loan, assess your specific business needs including loan size, duration, and APR. Compare eligibility criteria to ensure you qualify. Balance the need for speed with flexibility and review whether the lender requires collateral or offers unsecured options. Consider repayment structure and any fees involved. Confirm how the loan fits your cash flow cycles and seasonal variations before committing.
Conclusion
Choosing the right provider depends on your loan purpose and business profile. Bank lenders may offer stability but less flexibility, while brokers and specialised platforms often provide faster access and tailored options. Funding Agent remains a resourceful starting point for comparing different options. Always verify terms and suitability for your particular circumstances. For loans around 170 thousand pounds, matching product features to intended use is crucial.
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