Best Lenders to Secure a 20k to 50k 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 comparison platform focusing on UK SME business finance. It is suitable for businesses seeking an overview of options with straightforward qualification criteria. The service emphasises quick eligibility matching with flexible loan access and no collateral needed for many loans.
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
Funding Circle operates as a peer-to-peer lending platform focused on small business loans funded by investors. It suits SMEs requiring unsecured loans with relatively fixed rates and term structures. The platform offers transparency with defined lending criteria and no early repayment fees.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 6%
- Max APR: 8.5%
- Loan Duration: 6-60 months ⌛
Services & Industries
- Finance Types: Peer-to-Peer Loans, Business Loans
- Industries: All industries
Pros
- Fast application process
- No early repayment fees
Cons
- Higher interest rates for lower credit scores
Esme Loans provides technology-driven business loan products designed primarily for UK SMEs. It is appropriate for borrowers who need straightforward access to finance with efficient processing. The lender typically offers unsecured loans with rapid decision-making but within set loan ranges.
Loan Details
- Min Amount: £25,000
- Max Amount: £250,000
- Min APR: 3.5%
- Max APR: 19.9%
- Loan Duration: 1-5 years ⌛
Services & Industries
- Finance Types: Business Loans
- Industries: All industries
Pros
- Simple online application
- Rapid decision
Cons
- Limited loan amount range
Iwoca specialises in flexible credit lines suited for short-term working capital needs of small businesses. It is best for companies seeking swift access to funds with variable borrowing limits. Loans often have shorter durations with no or minimal collateral requirements.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 2.9%
- Max APR: 39.9%
- Loan Duration: Up to 12 months ⌛
Services & Industries
- Finance Types: Business Loans, Credit Lines
- Industries: Retail, Hospitality, Services
Pros
- Flexible credit limits
- Quick access to funds
Lloyds Bank is a traditional banking institution offering a broad range of business loans and credit products. It suits SMEs looking for established lenders with comprehensive services and flexible loan durations. Security requirements and eligibility may be more stringent but provide access to longer term borrowing.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 6.3%
- Max APR: 29.9%
- Loan Duration: 1-25 years ⌛
Services & Industries
- Finance Types: Business Loans, Asset Finance
- Industries: All industries
Pros
- Comprehensive banking services
- Wide network
Cons
- Complex eligibility criteria
Barclays provides tailored business lending solutions suitable for a range of sectors and financial needs. It is appropriate for borrowers seeking established banking options with potential access to overdrafts and longer term finance. Terms may be subject to stricter conditions and security provisions.
Loan Details
- Min Amount: £1,000
- Max Amount: £100,000
- Min APR: 7.9%
- Max APR: 23.7%
- Loan Duration: 1-10 years ⌛
Services & Industries
- Finance Types: Business Loans, Overdrafts
- Industries: All industries
Pros
- Trusted banking institution
- Personalized advice
NatWest offers diverse business financing with flexible loan options designed for UK SMEs of varying sizes. This bank is suited for borrowers who need a broad selection of credit products with variable repayment terms. Eligibility requirements and rates may vary with credit profile and loan type.
Loan Details
- Min Amount: £1,000
- Max Amount: £500,000
- Min APR: 6.5%
- Max APR: 22.5%
- Loan Duration: 6 months to 10 years ⌛
Services & Industries
- Finance Types: Business Loans, Flexible Credit
- Industries: All industries
Pros
- Variety of loan options
- Flexible terms
Cons
- Interest rate variability
HSBC is an international bank offering a wide range of financial products including competitive loans for SMEs. It suits businesses requiring global banking support and flexible loan options. Eligibility may be influenced by sector and business size with potential for export finance.
Loan Details
- Min Amount: £1,000
- Max Amount: £300,000
- Min APR: 7.1%
- Max APR: 18.9%
- Loan Duration: 1-20 years ⌛
Services & Industries
- Finance Types: Business Loans, Export Finance
- Industries: Manufacturing, Retail, Services
Pros
- Global banking network
- Wide product range
9. Santander
Santander provides business loans and flexible lending solutions tailored to SME needs. It is well suited for firms aiming for growth with adaptable credit options. Lending criteria may include collateral requirements depending on loan amount and term.
Loan Details
- Min Amount: £1,000
- Max Amount: £300,000
- Min APR: 6.8%
- Max APR: 15.9%
- Loan Duration: 1-25 years ⌛
Services & Industries
- Finance Types: Business Loans, Flexible Loans
- Industries: All industries
Pros
- Wide range of products
- Strong customer service
Metro Bank offers business loans with a focus on simplicity and customer experience. This lender suits SMEs looking for straightforward credit with accessible terms. Loan offers typically come with standard eligibility conditions and a variety of repayment options.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 7.5%
- Max APR: 21.9%
- Loan Duration: 1-10 years ⌛
Services & Industries
- Finance Types: Business Loans
- Industries: All industries
Pros
- Innovative banking services
- Customer-friendly
How to choose
When looking to secure a 20k to 50k revolving credit loan, consider lenders that align with your business size and purpose. Review loan terms like APR, durations, and repayment flexibility carefully to match your cash flow needs. Eligibility criteria vary, so assess your business profile against lender requirements. Decide whether you need speed or more flexible options and factor in any collateral or security terms. Always confirm all fees upfront. Comparing through platforms can help find tailored offers efficiently.
Conclusion
Matching the right lender to your use case is key when securing a revolving credit loan in the range of 20,000 to 50,000 pounds. Banks often provide stability and longer term options but may require more documentation and security. Broker platforms like Funding Agent facilitate quick comparisons across diverse lenders, suitable for SMEs needing fast decisions. Specialist providers offer targeted solutions based on industry or loan type. Always verify current terms with each lender before proceeding; pricing and criteria can change over time.
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