Best Lenders to Secure a 180k 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 platform to compare business finance options tailored for UK SMEs. It is suited for businesses seeking straightforward loan choices with fast application and eligibility matching. The provider offers flexibility with unsecured options and a range of repayment terms.
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
Company A focuses on providing tailored financial solutions for SMEs across various sectors. It typically suits franchise buyers or businesses looking for flexible revolving credit or term loans. The lender offers competitive APR rates with flexible repayment terms but has defined eligibility requirements.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 6.5%
- Max APR: 15%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Term Loans
- Industries: Retail, Manufacturing
Pros
- Competitive APR rates
- Flexible repayment terms
Cons
- Strict eligibility criteria
Company B provides a variety of financial products suited to support business cash flow needs. It fits SMEs requiring revolving or line of credit facilities with a focus on speed of approval. The lender caters to clients in technology and healthcare sectors, offering flexible credit access.
Loan Details
- Min Amount: £5,000
- Max Amount: £200,000
- Min APR: 5.5%
- Max APR: 12.5%
- Loan Duration: 12–48 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Line of Credit
- Industries: Technology, Healthcare
Pros
- Low minimum loan amount
- Fast approval process
Cons
- Higher interest rates for larger loans
Company C offers innovative funding solutions including revolving credit tailored for business growth. It is suited for SMEs seeking tailored financing with advisory support. Their loans tend to provide flexible options but may involve a more detailed application process.
Loan Details
- Min Amount: £20,000
- Max Amount: £300,000
- Min APR: 7.2%
- Max APR: 16%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Invoice Financing
- Industries: Logistics, Construction
Pros
- Customizable loan options
- Access to financial advisors
Cons
- Complex application process
Company D specialises in flexible revolving credit products geared towards SMEs in the UK. It suits businesses needing quick access to funds with straightforward terms. This provider emphasises customer support and high approval rates within a defined loan range.
Loan Details
- Min Amount: £15,000
- Max Amount: £180,000
- Min APR: 6%
- Max APR: 14%
- Loan Duration: 6–24 months ⌛
Services & Industries
- Finance Types: Revolving Credit
- Industries: Automotive, Hospitality
Pros
- High loan approval rate
- Strong customer support
Cons
- Limited loan amount range
Company E specialises in revolving credit solutions aimed at maintaining smooth business operations. It fits SMEs seeking fast fund release with relatively low APR options. Typically suited for sectors such as education and food services, it offers shorter loan durations with predictable repayment structures.
Loan Details
- Min Amount: £10,000
- Max Amount: £100,000
- Min APR: 5.9%
- Max APR: 13.9%
- Loan Duration: 1–24 months ⌛
Services & Industries
- Finance Types: Revolving Credit
- Industries: Education, Food Services
Pros
- Quick fund release
- Low APR
Company F offers a variety of financial products including revolving credit and merchant cash advances. It suits businesses needing flexible funding within retail and agriculture sectors. This provider offers a broad loan range with flexible terms but may require collateral for some products.
Loan Details
- Min Amount: £25,000
- Max Amount: £200,000
- Min APR: 6.8%
- Max APR: 14.5%
- Loan Duration: 3–48 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Merchant Cash Advance
- Industries: Retail, Agriculture
Pros
- Wide range of loan amounts
- Flexible terms
Company G delivers financial solutions designed for diverse SME needs with an emphasis on revolving credit and equipment financing. It is good for manufacturing and textiles sectors needing low starting APRs and multiple product options. Borrowers should consider potential fees for early repayment.
Loan Details
- Min Amount: £5,000
- Max Amount: £150,000
- Min APR: 5.5%
- Max APR: 13%
- Loan Duration: 6–36 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Equipment Financing
- Industries: Manufacturing, Textiles
Pros
- Low starting APR
- Multiple financial products
Company H provides comprehensive financing tailored for businesses needing capital flow flexibility, including revolving credit and trade financing. It serves SMEs in technology and energy sectors and offers multiple loan durations. Borrowers should review terms carefully due to complexity.
Loan Details
- Min Amount: £15,000
- Max Amount: £250,000
- Min APR: 6.9%
- Max APR: 16.5%
- Loan Duration: 9–60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Trade Financing
- Industries: Technology, Energy
Pros
- Comprehensive credit assessment
- Multiple loan durations
Cons
- Complex terms and conditions
Company I offers specialised revolving credit for small to medium-sized enterprises, focusing on healthcare and service sectors. It is suited to those seeking tailored loan conditions and extended support services. Applicants should anticipate longer approval times compared to some competitors.
Loan Details
- Min Amount: £20,000
- Max Amount: £175,000
- Min APR: 7%
- Max APR: 15.5%
- Loan Duration: 12–48 months ⌛
Services & Industries
- Finance Types: Revolving Credit
- Industries: Healthcare, Services
Pros
- Tailored loan conditions
- Extended support services
How to choose
When looking to secure a 180k revolving credit loan, consider lenders that suit your business size and sector needs. Focus on the balance between interest rates, repayment flexibility, and eligibility criteria. Faster approvals can benefit businesses needing quick capital, but may involve higher costs or stricter terms. Review collateral requirements carefully, especially if your business prefers unsecured options. Brokered lenders can offer wider access but check terms closely. Always factor in fees, loan duration, and how repayments fit your franchise cash flow and seasonal variations before deciding.
Conclusion
Selecting the right lender for a loan around 180 thousand pounds depends on your business requirements and financial situation. Traditional banks may suit established businesses with asset-backed needs. Brokers provide access to multiple products but review brokered terms for fees and flexibility. Specialist lenders often focus on tailored or faster financing solutions, relevant for specific sectors or loan sizes. Funding Agent is a useful platform for SMEs to compare these options quickly and identify suitable lenders.
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