Best Lenders to Secure a 190k Business Line of Credit
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 provides UK SMEs with a fast and simple platform to compare various business finance options. It is suitable for franchise buyers and operators seeking straightforward eligibility and quick decisions. The service offers flexible products with no collateral requirements and varying repayment types.
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 B focuses on delivering flexible business loans and lines of credit tailored to UK businesses. It is suited to franchise buyers needing adaptable financing with options for various sectors. Products typically offer moderate speed and terms that accommodate different repayment plans without restrictive collateral demands.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 4.9%
- Max APR: 25%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Invoice Financing
- Industries: Retail, Service Industry
Pros
- Wide range of offerings
- Strong customer support
Cons
- Higher APR for small loans
Company C offers innovative financial solutions including business lines of credit designed for SMEs to improve cash flow management. It is appropriate for franchise buyers seeking efficient financing with flexibility in repayment and collateral options. Their services include fast approvals and tailored credit structures suitable for different industries.
Loan Details
- Min Amount: £20,000
- Max Amount: £300,000
- Min APR: 5.5%
- Max APR: 21.5%
- Loan Duration: 6–48 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Asset Finance
- Industries: Construction, Logistics
Pros
- Innovative financing options
- Quick approval process
Cons
- Additional fees for early repayment
Company D provides a variety of financial products to support business growth and stability for UK SMEs. This lender suits franchise buyers who need structured financing with a range of repayment options. Loans may involve some security and are aimed at sectors like hospitality and agriculture.
Loan Details
- Min Amount: £15,000
- Max Amount: £400,000
- Min APR: 6%
- Max APR: 18%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Bridging Loans
- Industries: Hospitality, Agriculture
Pros
- Comprehensive financial products
- Experienced advisors
Cons
- Complex application process
Company E focuses on providing accessible and affordable credit lines and loans for small UK businesses. It suits franchise buyers looking for simple, quick funding solutions with flexible repayment terms. Collateral requirements tend to be low and products support diverse industries.
Loan Details
- Min Amount: £8,000
- Max Amount: £150,000
- Min APR: 3.9%
- Max APR: 24%
- Loan Duration: 6–36 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Short Term Loans
- Industries: E-commerce, Education
Pros
- Affordable starting APR
- Quick access to funds
Cons
- Limited maximum loan amount
Company F is a key finance sector player offering business lines of credit with flexible terms for UK SMEs. It suits franchise buyers needing access to significant credit with personalised financial advice. The products may include options requiring some collateral and offer various repayment schedules.
Loan Details
- Min Amount: £10,000
- Max Amount: £350,000
- Min APR: 5%
- Max APR: 22%
- Loan Duration: 9–72 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Merchant Cash Advance
- Industries: Real Estate, Digital Media
Pros
- High maximum borrowing limit
- Personal financial advisors
Company G delivers bespoke financing solutions including lines of credit tailored to UK businesses' capital management needs. It is suitable for franchise buyers seeking flexible credit options with short durations. Financing terms generally provide customizable features with varying security requirements depending on the loan.
Loan Details
- Min Amount: £10,000
- Max Amount: £100,000
- Min APR: 7%
- Max APR: 23%
- Loan Duration: 6–24 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Equipment Financing
- Industries: Manufacturing, Healthcare
Pros
- Customizable financing terms
- Short loan durations
Company H is committed to clear and transparent business lending with a variety of credit lines for UK SMEs. It fits franchise buyers prioritising straightforward terms and dedicated service. This provider typically offers transparent costs with limited terms for new businesses and a range of repayment options.
Loan Details
- Min Amount: £5,000
- Max Amount: £200,000
- Min APR: 6.5%
- Max APR: 20.5%
- Loan Duration: 1–36 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Term Loans
- Industries: Professional Services, Retail
Pros
- Transparent terms
- Dedicated customer service
Cons
- Limited terms for new businesses
Company I offers flexible line of credit options focused on supporting UK SMEs. It is suited to franchise buyers needing adaptable credit with affordable terms and straightforward conditions. Products typically allow various repayment options and cater to sectors such as logistics and IT.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 4.5%
- Max APR: 19%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Overdraft
- Industries: Logistics, IT Services
Pros
- Flexible credit options
- No hidden charges
Company J targets innovation in financial products tailored for UK businesses. It suits franchise buyers looking for advanced credit options with competitive fees. Their offerings include flexible repayment terms and technology-focused industry solutions.
Loan Details
- Min Amount: £15,000
- Max Amount: £300,000
- Min APR: 5%
- Max APR: 23.5%
- Loan Duration: 6–48 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Invoice Finance
- Industries: Technology, Distribution
Pros
- Innovative product range
- Competitive fees
Cons
- Stringent application process
How to choose
When seeking the best lenders to secure a 190k business line of credit, focus on matching the loan size and APR to your budget and business needs. Evaluate eligibility criteria carefully, considering your franchise’s cash flow patterns and repayment capacity. Compare the speed of approval and funding against the flexibility in loan terms. Review collateral requirements and repayment options to find a lender who fits your risk profile. Also, examine fees and early repayment policies to avoid surprises. Choose a provider that aligns with your operational needs and financing goals.
Conclusion
Choosing the right lender depends on your business use case and financing priorities. Banks often provide reliable terms for established franchises but may be less flexible. Brokers can give access to multiple specialist lenders, suitable for tailored needs. Specialists cater to niche or higher-risk cases but may have stricter terms or fees. Funding Agent remains a practical choice for SMEs wanting to explore various options quickly. Always confirm current terms directly with lenders when considering a 190 thousand pounds loan.
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