February 12, 2026
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Best Lenders to Secure a 200k to 250k Revolving Credit Loan

Best Lenders to Secure a 200k to 250k Revolving Credit Loan

Discover the best lenders offering revolving credit loans between £200,000 and £250,000. Compare rates, terms, and get expert tips to secure your ideal loan today.
Abdus-Samad Charles
Finance Writer

Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses.

Best Lenders to Secure a 200k to 250k 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.

1. Funding Agent

Funding Agent focuses on simplifying business finance comparisons for UK SMEs through a streamlined application process. It suits businesses looking for quick eligibility checks and flexible unsecured finance solutions. The platform does not generally require collateral and aims to provide transparent options with varied repayment schedules.

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

Sources: Funding Agent

2. Barclays Bank

Barclays Bank provides a wide range of financial services including retail and business banking. It is suitable for franchise owners and SMEs requiring versatile lending options with competitive terms. Barclays offers structured repayment plans and tends to incorporate collateral requirements depending on loan types.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £2,500,000
  • Min APR: 6.9%
  • Max APR: 19.9%
  • Loan Duration: 6–120 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Business Loans
  • Industries: Finance, Real Estate, Technology

Pros

  • Wide range of financial services
  • Established brand

Cons

  • May have higher APR for shorter terms

Sources: Source

3. HSBC UK

HSBC UK offers extensive business banking solutions including loans and revolving credit tailored to SMEs and larger entities. This provider is appropriate for companies seeking flexible credit facilities with structured repayments. HSBC's lending often involves assessment of collateral and risk, favouring clients with strong financial backing.

Loan Details

  • Min Amount: £30,000
  • Max Amount: £1,000,000
  • Min APR: 5%
  • Max APR: 18.9%
  • Loan Duration: 6–84 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, SME Loans
  • Industries: Manufacturing, Pharmaceuticals, Agriculture

Pros

  • Global presence
  • Competitive rates

Cons

  • Strict eligibility criteria

Sources: Source

4. Lloyds Bank

Lloyds Bank is a prominent UK financial institution offering a broad portfolio of business loans and revolving credit. It suits SMEs and franchises needing comprehensive loan solutions with personalised support. Lloyds typically balances collateral needs with flexible repayment terms to accommodate varied business models.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £3,000,000
  • Min APR: 4.5%
  • Max APR: 16.9%
  • Loan Duration: 1–120 months ⌛

Services & Industries

  • Finance Types: Business Loans, Revolving Credit
  • Industries: Construction, Retail, Transport

Pros

  • Variety of loan products
  • Personalised business support

Cons

  • Higher rates for shorter loans

Sources: Source

5. Santander UK

Santander UK delivers a range of business banking products with emphasis on competitive pricing and efficiency. It is best for SMEs and franchise buyers seeking straightforward terms and reliable service. Loans typically include flexible repayment plans, with collateral and credit criteria dependent on individual assessments.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 5.9%
  • Max APR: 17.5%
  • Loan Duration: 12–72 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, SME Finance
  • Industries: Energy, Retail, Technology

Pros

  • Competitive pricing
  • Efficient service

Cons

  • Branch-based service limitations

Sources: Source

6. NatWest

NatWest provides a broad array of financial products for SMEs, including flexible credit and revolving loan options. It serves businesses requiring adaptable borrowing solutions with various repayment choices. Collateral requirements vary based on lending purpose, with an emphasis on supporting SME growth.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,500,000
  • Min APR: 6%
  • Max APR: 20%
  • Loan Duration: 1–84 months ⌛

Services & Industries

  • Finance Types: Business Loans, Revolving Credit
  • Industries: Real Estate, Hospitality, IT Services

Pros

  • Strong SME focus
  • Flexible loan options

Cons

  • APR rates can be high

Sources: Source

7. Metro Bank

Metro Bank offers business loans and revolving credit primarily to SMEs with a focus on personalised customer service. It is geared towards clients who value flexibility and straightforward lending tailored to smaller enterprises. Metro Bank’s offerings typically feature a range of repayment options and limited collateral demands.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 5.5%
  • Max APR: 15%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Small Business Loans
  • Industries: Retail, Health Services, Education

Pros

  • Excellent customer service
  • Flexible product offerings

Cons

  • Limited branch network

Sources: Source

8. Virgin Money

Virgin Money focuses on delivering competitive and straightforward business loans and revolving credit options. It is suitable for SMEs that prioritise simplicity and customer service in credit arrangements. Virgin Money offers a streamlined process with an emphasis on clear terms and flexible repayments.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £250,000
  • Min APR: 9.5%
  • Max APR: 22.5%
  • Loan Duration: 6–48 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Business Loans
  • Industries: Technology, Finance, Retail

Pros

  • Simple loan process
  • Customer focused

Cons

  • Higher APR for small amounts

Sources: Source

9. Clydesdale Bank

Clydesdale Bank offers business lending products with a focus on personal service and tailored credit solutions. It fits UK SMEs that prefer relationship banking combined with a range of revolving credit options. Their loans feature variable collateral needs dependent on the business sector and loan size.

Loan Details

  • Min Amount: £15,000
  • Max Amount: £1,000,000
  • Min APR: 7%
  • Max APR: 19%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Commercial Loans
  • Industries: Agriculture, Manufacturing, Real Estate

Pros

  • Personalised banking service
  • Diverse product range

Cons

  • Regional limitations

Sources: Source

10. The Co-operative Bank

The Co-operative Bank supports business lending with an emphasis on sustainable and responsible finance. It suits SMEs that value ethical banking and may require revolving credit with flexible repayment options. The bank often integrates social and environmental considerations alongside financial assessment.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 6.5%
  • Max APR: 18%
  • Loan Duration: 6–48 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Sustainable Finance
  • Industries: Environmental, Social Enterprise, Retail

Pros

  • Ethical banking practices
  • Support for SMEs

Cons

  • Limited branch access

Sources: Source

How to choose

When securing a 200 thousand pounds revolving credit loan, align loan size and APR with your financial capacity and business needs. Evaluate eligibility criteria carefully to avoid delays. Prioritise lenders offering repayment flexibility and clear terms. Consider the speed of approval alongside the range of borrowing options. Assess whether you prefer direct bank lending or broker-assisted processes based on your comfort and complexity of your financing needs.

Conclusion

Choosing the right lender depends on your business requirements and loan purpose. Traditional banks often provide structured lending with collateral options for established businesses. Brokers or specialist lenders can offer access to a wider array of flexible and unsecured solutions. Funding Agent serves as a useful comparison tool for SMEs exploring multiple options. Always consult directly with providers to confirm terms for a 200 thousand pounds loan.

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FAQs

What is a revolving credit loan?
Who can apply for a revolving credit loan between £200k and £250k?
How do I choose the best lender for a £200k to £250k revolving credit loan?
What are the typical interest rates for revolving credit loans of this size?
Are there any fees associated with revolving credit loans?
How long does it take to get approved for a revolving credit loan of £200k to £250k?

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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2Barclays BankBarclays is a major global financial services provider engaged in retail banking, credit cards, corporate and investment banking, and wealth management.£50,000–£2,500,000; 6.9%–19.9% APR; 6–120 months
3HSBC UKHSBC UK offers a variety of business banking solutions, including loans and revolving credit facilities, catering to SMEs and large enterprises.£30,000–£1,000,000; 5%–18.9% APR; 6–84 months
4Lloyds BankLloyds Bank is one of the UK's leading financial institutions, providing comprehensive financial services and loan options for businesses.£10,000–£3,000,000; 4.5%–16.9% APR; 1–120 months
5Santander UKSantander UK provides business banking services including loans and credit options, focusing on competitive pricing and efficient service delivery.£25,000–£2,000,000; 5.9%–17.5% APR; 12–72 months
6NatWestNatWest offers a comprehensive range of financial services for SMEs including flexible credit facilities and revolving loans.£10,000–£1,500,000; 6%–20% APR; 1–84 months
7Metro BankMetro Bank is known for its excellent customer service and offers a range of business loans and revolving credit products aimed at SMEs.£5,000–£500,000; 5.5%–15% APR; 3–60 months
8Virgin MoneyVirgin Money provides competitive business loans and revolving credit facilities, with a focus on simplicity and customer satisfaction.£20,000–£250,000; 9.5%–22.5% APR; 6–48 months
9Clydesdale BankClydesdale Bank offers a range of business lending products, including revolving credit options, with a personal approach to banking.£15,000–£1,000,000; 7%–19% APR; 3–60 months
10The Co-operative BankThe Co-operative Bank supports sustainable business practices and offers a variety of loan options, including revolving credit for SMEs.£5,000–£500,000; 6.5%–18% APR; 6–48 months
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