Best Lenders to Secure a 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 offers a brokerage service focused on helping UK SMEs find business finance options quickly. It is typically suitable for franchise buyers and operators seeking various loan products with clear options. The service emphasises ease of application, fast matches to lenders, and mostly unsecured loan options with flexible 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
Barclays is a traditional UK bank offering a broad range of business loan services including revolving credit. It suits borrowers looking for established lenders with structured products, often including secured and unsecured options. The bank typically balances loan flexibility with eligibility requirements and offers various repayment terms.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 4.9%
- Max APR: 15.9%
- Loan Duration: 12–72 months ⌛
Services & Industries
- Finance Types: Business Loan, Revolving Credit
- Industries: Finance, Retail, Hospitality
Pros
- Established reputation
- Wide financial services
Cons
- Strict credit requirements
HSBC specialises in business lending with options including revolving credit facilities. It serves businesses needing flexible financing with a global banking presence. Typical borrowers include those requiring both secured and unsecured solutions with varying repayment terms and credit considerations.
Loan Details
- Min Amount: £10,000
- Max Amount: £300,000
- Min APR: 3.9%
- Max APR: 16%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Business Loan, Revolving Credit
- Industries: Technology, Healthcare, Real Estate
Pros
- Global presence
- Flexible terms
Cons
- Higher eligibility criteria
Lloyds Bank offers business finance including revolving credit tailored for SMEs. It is typically suitable for small businesses looking for competitive rates and flexible financing with varying collateral needs. Lloyds tends to focus on industries such as retail and construction with repayment options that accommodate business cycles.
Loan Details
- Min Amount: £5,000
- Max Amount: £150,000
- Min APR: 5%
- Max APR: 14%
- Loan Duration: 6–48 months ⌛
Services & Industries
- Finance Types: Revolving Credit, SME Loans
- Industries: Transport, Retail, Construction
Pros
- Strong SME focus
- Competitive pricing
NatWest provides a range of business finance products including flexible revolving credit. Its services typically suit businesses seeking customised loan solutions, including term loans and revolving facilities. NatWest offers digital access and support with attention to industry-specific lending needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £200,000
- Min APR: 6%
- Max APR: 15.5%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Term Loan
- Industries: Agriculture, Manufacturing, Retail
Pros
- Tailored support
- Strong digital banking
6. Santander UK
Santander UK offers financial products for businesses, including flexible revolving credit facilities. It is generally suitable for businesses requiring a combination of personalized service and international expertise. Santander combines product flexibility with application processes suited to established businesses.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 5.9%
- Max APR: 14.9%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Business Loan
- Industries: Healthcare, Transport, Retail
Pros
- International expertise
- Personalized service
Cons
- Complex application process
Metro Bank provides competitive business loans with flexible revolving credit facilities for SMEs. It targets UK businesses that value quick decision-making and customer service. Metro Bank combines traditional lending with modern access, though branch coverage may be limited.
Loan Details
- Min Amount: £5,000
- Max Amount: £200,000
- Min APR: 4.5%
- Max APR: 13.9%
- Loan Duration: 6–36 months ⌛
Services & Industries
- Finance Types: SME Loan, Revolving Credit
- Industries: Retail, Hospitality, Healthcare
Pros
- Fast approval process
- Customer-focused
Virgin Money provides innovative business finance, including revolving credit options. It suits businesses seeking new finance solutions with a modern approach. Virgin Money targets sectors such as manufacturing and technology with competitive terms and flexible repayment plans.
Loan Details
- Min Amount: £10,000
- Max Amount: £150,000
- Min APR: 5.4%
- Max APR: 14%
- Loan Duration: 6–48 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Business Loan
- Industries: Manufacturing, Technology, Retail
Pros
- Innovative products
- Strong brand
TSB offers personalised business loans with a focus on revolving credit for SMEs. It is suitable for UK businesses seeking tailored solutions with flexible repayment structures. TSB emphasises service and practical lending solutions targeted at sectors like construction and healthcare.
Loan Details
- Min Amount: £5,000
- Max Amount: £100,000
- Min APR: 6.5%
- Max APR: 15%
- Loan Duration: 6–36 months ⌛
Services & Industries
- Finance Types: Business Loan, Revolving Credit
- Industries: Construction, Retail, Healthcare
Pros
- Personalized service
- Flexible terms
Clydesdale Bank offers a variety of business loans including revolving credit options designed for SMEs. It is suited for businesses seeking competitive rates with options for secured and unsecured financing. The bank focuses on industries like retail and property and provides support for flexible repayment arrangements.
Loan Details
- Min Amount: £5,000
- Max Amount: £120,000
- Min APR: 5.7%
- Max APR: 13.5%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Term Loans
- Industries: Retail, Technology, Property
Pros
- Competitive rates
- Dedicated support
Cons
- Limited availability of branches
How to choose
Consider your loan size, preferred APR, and repayment flexibility when selecting a lender for a 200 thousand pounds revolving credit loan. Evaluate eligibility criteria carefully, as these vary widely by provider. Speed of approval is important but balance this against product features and lender reputation. Assess the collateral or security requirements and whether unsecured options suit your needs. Review terms around fees and early repayment penalties to avoid surprises. Matching lender offerings to your business sector and financing purpose will optimise outcomes.
Conclusion
Choosing the right lender depends on your specific needs and loan purpose. Banks often provide reliable options for borrowers seeking larger amounts and structured terms. Brokers like Funding Agent offer access to multiple lenders and quicker comparisons. Specialists may suit niche sectors or unique credit profiles. Consider each type carefully to align with your 200 thousand pounds loan objectives and operational requirements.
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