Best Lenders to Secure a 200k to 250k 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 offers a broad platform that focuses on helping UK SMEs rapidly compare various business finance options. Suitable for businesses that prioritise a swift and straightforward application process with transparent terms. The service emphasises fast eligibility checks and does not require collateral, allowing flexibility in loan access.
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 specialises in business financing with a focus on lines of credit and working capital solutions. It is typically suitable for franchise buyers and businesses in retail or manufacturing seeking predictable lending with moderate flexibility. The lender offers access to products with a balance of speed and collateral requirements, supporting various repayment options.
Loan Details
- Min Amount: £200,000
- Max Amount: £250,000
- Min APR: 5.5%
- Max APR: 15.5%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Working Capital Loans
- Industries: Retail, Manufacturing
Pros
- Flexible terms
- Fast approval
Cons
- Higher rates for lower credit scores
Company C delivers comprehensive financing solutions tailored to medium and larger enterprises, focusing on revolving credit and equipment financing. It fits businesses needing flexible credit access with the possibility of asset-backed or unsecured facilities. Its offerings balance competitive rates with structured repayment terms suited for established operations.
Loan Details
- Min Amount: £250,000
- Max Amount: £500,000
- Min APR: 4.9%
- Max APR: 14.7%
- Loan Duration: 6–48 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Equipment Financing
- Industries: Construction, Healthcare
Cons
- Strict eligibility criteria
Company D offers business lines of credit supported by intuitive online management tools designed for ease of use. It is well suited for SMEs that value straightforward credit access combined with efficient account oversight. The provider generally supports quick decision processes and varied repayment schedules with some fees applicable to cash advance options.
Loan Details
- Min Amount: £200,000
- Max Amount: £300,000
- Min APR: 6%
- Max APR: 16%
- Loan Duration: 3–24 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Merchant Cash Advance
- Industries: E-commerce, Hospitality
Pros
- Easy online management
- Quick decision process
Cons
- Higher fees for cash advances
Company E centres on financial solutions for SMEs, emphasising flexibility in credit lines and term loans. It suits businesses in technology and retail sectors looking for adaptable repayment options. The provider offers tailored credit structures with consideration for business needs and timing.
Loan Details
- Min Amount: £100,000
- Max Amount: £250,000
- Min APR: 7%
- Max APR: 17.5%
- Loan Duration: 12–36 months ⌛
Services & Industries
- Finance Types: Term Loans, Business Line of Credit
- Industries: Technology, Retail
Pros
- Tailored solutions
- Flexible repayment options
Company F provides competitively priced business financing and credit lines focused on small businesses across the UK. It is appropriate for manufacturers and transport sectors needing moderate loan amounts with flexible financing terms. The lender usually balances low interest rates with some service limitations on support hours.
Loan Details
- Min Amount: £200,000
- Max Amount: £400,000
- Min APR: 5.9%
- Max APR: 14.9%
- Loan Duration: 6–72 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Working Capital Loans
- Industries: Manufacturing, Transport
Pros
- Low interest rates
- Flexible financing
Cons
- Limited customer support hours
Company G offers diverse financing including unsecured and secured loans tailored to SMEs across several industries. It is best suited for businesses in retail and service sectors that seek varied credit options with medium term durations. The credit line products typically combine flexibility and client service, although application complexity may be a factor.
Loan Details
- Min Amount: £150,000
- Max Amount: £250,000
- Min APR: 6.8%
- Max APR: 18%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Secured Loans
- Industries: Retail, Service Industry
Pros
- Varied financing options
- Good customer service
Cons
- Complex application process
Company H specialises in innovative financial products centred on business lines of credit, often including bridge loans. It fits businesses requiring quick funding with an emphasis on technology or real estate sectors. Their offerings tend to combine flexibility and speed with attention to evolving client credit needs.
Loan Details
- Min Amount: £125,000
- Max Amount: £275,000
- Min APR: 7.5%
- Max APR: 19.5%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Bridge Loans
- Industries: Real Estate, Technology
Pros
- Innovative solutions
- Quick funding
Cons
- Higher APR for new clients
Company I provides tailored business loans including credit lines and invoice factoring solutions suitable for various industries. Ideal for businesses in healthcare and retail seeking specific repayment schedules and credit terms. The lender offers balanced loan products with attention to personalised needs and risk profiles.
Loan Details
- Min Amount: £200,000
- Max Amount: £350,000
- Min APR: 6.1%
- Max APR: 15%
- Loan Duration: 1–36 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Invoice Factoring
- Industries: Healthcare, Retail
Pros
- Tailored loan options
- Good interest rates
Company J targets growing businesses offering business lines of credit and startup loans tailored to sectors like agriculture and transport. The provider supports flexible term structures and credit products designed to align with growth needs. It emphasises adaptable repayment plans and the ability to accommodate diverse financing demands.
Loan Details
- Min Amount: £175,000
- Max Amount: £250,000
- Min APR: 5.5%
- Max APR: 14.5%
- Loan Duration: 6–48 months ⌛
Services & Industries
- Finance Types: Business Line of Credit, Startup Loans
- Industries: Agriculture, Transport
Pros
- Flexible terms
- Support for growing businesses
How to choose
When selecting the best lender for a 200k to 250k business line of credit, consider how the loan amount fits your financial requirements and repayment capacity. Look at APR ranges and loan terms to find suitable affordability and flexibility. Verify eligibility criteria and whether collateral is needed, as this affects risk and approval speed. Account for how fast decisions are made and if the lender offers easy management tools or broker accessibility. Compare fee structures and any early repayment terms to avoid surprises. This approach ensures you match a lender to your franchise cash flow and business cycle effectively.
Conclusion
Choosing the right provider for a 200 thousand pounds loan depends on your business needs and financing goals. Banks may offer competitive rates but often require stricter collateral and eligibility. Brokers can provide access to a wider range of specialist lenders and more flexible options. Specialist lenders typically focus on niche products or industries with varied terms. Funding Agent remains a useful tool for SMEs seeking quick comparisons to shortlist options efficiently. Always review all terms carefully before committing.
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