Best Lenders to Secure a 190k 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 connecting UK SMEs with various business finance options through a brokered platform. It is suitable for franchise buyers and operators seeking flexible unsecured loans with quick decisions. The lender emphasises speed and ease, offering unsecured products without collateral and multiple 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
Lender A provides revolving credit and business loans aimed at UK SMEs looking for flexible financing. It is suitable for franchise buyers and businesses requiring adaptable credit facilities with competitive terms. The lender offers a balance of speed and flexibility, with options for unsecured loans and variable repayment plans.
Loan Details
- Min Amount: £10,000
- Max Amount: £200,000
- Min APR: 7%
- Max APR: 20%
- Loan Duration: 6-72 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Business Loans
- Industries: E-commerce, Hospitality
Pros
- Fast approval process
- No early repayment fees
Cons
- Strict eligibility criteria
- Higher APR for new businesses
Lender B specialises in efficient revolving credit facilities tailored for SMEs in industries like construction and retail. This lender suits franchise buyers and smaller businesses requiring structured repayment schedules. They offer a focus on reliable credit access with specific terms suitable for established businesses.
Loan Details
- Min Amount: £15,000
- Max Amount: £250,000
- Min APR: 8%
- Max APR: 21%
- Loan Duration: 12-60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Invoice Factoring
- Industries: Construction, Retail
Pros
- Tailored financing solutions
- Multiple repayment schedules
Cons
- Not suitable for startups
- Higher fees for late payments
Lender C offers revolving credit facilities focused on small businesses looking for growth capital. It is suitable for franchise buyers aiming for flexible financing with reasonable APRs and loan durations. The lender provides competitive rates with consideration for industry-specific needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 6.5%
- Max APR: 19.5%
- Loan Duration: 3-48 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Commercial Loans
- Industries: Tech, Automotive
Pros
- Low starting APR
- Flexible terms
Cons
- Limited to specific industries
- Requires detailed business plan
Lender D offers financial products focused on supporting SMEs’ cash flow, with revolving credit as a key service. This lender is suited to franchise buyers needing smaller loan amounts and accessible terms. They provide quick application processes with consideration for credit quality and loan duration.
Loan Details
- Min Amount: £2,000
- Max Amount: £100,000
- Min APR: 9%
- Max APR: 22%
- Loan Duration: 1-36 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Equipment Financing
- Industries: Retail, Healthcare
Pros
- Small loan amounts available
- Fast application process
Cons
- High APR for lower credit scores
- Limited loan duration
Lender E focuses on robust, flexible financial solutions with revolving credit tailored for UK enterprises. It is suitable for franchise buyers needing predictable terms and manageable repayments. The lender offers competitive rates and loan products designed for established businesses.
Loan Details
- Min Amount: £8,000
- Max Amount: £180,000
- Min APR: 7.5%
- Max APR: 20.5%
- Loan Duration: 6-60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Working Capital Loans
- Industries: Tech, Real Estate
Pros
- Competitive rates
- Easy management
Cons
- Limited to existing businesses
- Higher funding cost for higher amounts
Lender F provides a variety of financial products, including revolving credit, for SMEs in diverse sectors. It suits franchise buyers who value flexible repayments and manageable fees. The lender focuses on support with term loans alongside credit options to balance cash flow needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £300,000
- Min APR: 6.8%
- Max APR: 19.8%
- Loan Duration: 12-60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Term Loans
- Industries: Hospitality, Manufacturing
Pros
- Flexible repayment options
- Low fees
Cons
- Complex application
- Limited online services
Lender G partners with SMEs to deliver accessible revolving credit products that help manage cash flow. This lender suits franchise buyers looking for simple application processes and personal advisory support. They provide revolving credit alongside bridge loans in key sectors like construction and services.
Loan Details
- Min Amount: £7,500
- Max Amount: £175,000
- Min APR: 7.2%
- Max APR: 18%
- Loan Duration: 3-48 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Bridge Loans
- Industries: Construction, Services
Pros
- Simple process
- Personal advisor
Cons
- Higher APR for short-term loans
- Limited loan customization
Lender H offers straightforward revolving credit lines designed to support small business growth and operational efficiency. It suits franchise buyers needing transparent terms and no upfront fees. The lender focuses on clear repayment structures with flexible loan durations to fit various cash flow needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £150,000
- Min APR: 6.9%
- Max APR: 22.9%
- Loan Duration: 2-36 months ⌛
Services & Industries
- Finance Types: Revolving Credit
- Industries: Agriculture, Retail
Pros
- No upfront fees
- Transparent terms
Cons
- Shorter repayment terms
- Higher fees for larger loans
Lender I delivers adaptable financial solutions, including revolving credit and asset finance, tailored to evolving business needs. It suits franchise buyers seeking flexible terms and quick access to funding options. The lender offers products with consideration for credit history and repayment flexibility.
Loan Details
- Min Amount: £5,000
- Max Amount: £100,000
- Min APR: 8.5%
- Max APR: 20%
- Loan Duration: 3-36 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Asset Finance
- Industries: Retail, Technology
Pros
- Quick access to funds
- Flexible terms
Cons
- Higher APR for new clients
- Requires good business credit history
How to choose
When selecting a lender for a 190k revolving credit loan, consider matching loan amount and APR to your business budget. Review eligibility criteria carefully to ensure a good fit. Balance the need for speed against flexibility of terms and repayment options. Evaluate if the lender requires collateral or offers unsecured loans. Also, check brokered access or direct lending models. Assess how repayments align with your franchise cash flow and planned usage.
Conclusion
Choosing a lender depends on your specific loan purpose and business profile. Bank lenders often offer structured terms but may require collateral, while brokers like Funding Agent provide access to varied options across different products. Specialists cater to niche industries or specific financing needs. For a 190 thousand pounds loan, prioritise lenders that balance rate competitiveness with suitable terms. Always verify current costs and eligibility before committing.
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