Best Lenders to Secure a 210k 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 is a broker that focuses on providing UK SMEs with a clear comparison of business finance options. It suits franchise buyers and operators looking for working capital or loan options with predictable terms. The service emphasises speed and simplicity, offering unsecured products without collateral and flexible repayment choices.
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 provides a range of financial products including lines of credit, aimed at established UK SMEs. It is suitable for those requiring flexible financing for sectors like healthcare and construction. Company B offers competitive rates and prioritises customer service, with options that may require certain business maturity levels.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 6.5%
- Max APR: 18.5%
- Loan Duration: 6–48 months ⌛
Services & Industries
- Finance Types: Lines of Credit, Business Loans
- Industries: Healthcare, Construction
Pros
- Competitive rates
- Good customer service
Cons
- Limited to established businesses
Company C offers tailored finance products focusing on options like asset financing and loans, supporting business growth. It fits UK SMEs in retail and service sectors needing credit with varied repayment structures. The company provides some flexibility and no early repayment fees but may have higher rates for newer businesses.
Loan Details
- Min Amount: £1,000
- Max Amount: £300,000
- Min APR: 8%
- Max APR: 22%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Business Loans, Asset Financing
- Industries: Retail, Services
Pros
- No early repayment fees
- Variety of loan options
Cons
- Higher APR for new businesses
Company D specialises in fast financial services including business lines of credit and commercial mortgages. It is designed for UK SMEs seeking access to credit with flexible terms but may require personal guarantees. This provider fits businesses in technology and wholesale sectors needing swift funding.
Loan Details
- Min Amount: £20,000
- Max Amount: £150,000
- Min APR: 7%
- Max APR: 19.9%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Lines of Credit, Commercial Mortgages
- Industries: Technology, Wholesale
Pros
- Fast application
- Flexible terms
Cons
- Requires personal guarantee
Company E offers competitive credit lines and business loans targeted at small enterprises, including retail and manufacturing sectors. It suits UK SMEs seeking straightforward loans with relatively low interest rates and easy application processes. Typically, this provider serves businesses preferring credit line access with some flexibility.
Loan Details
- Min Amount: £15,000
- Max Amount: £400,000
- Min APR: 5.5%
- Max APR: 17.5%
- Loan Duration: 6–72 months ⌛
Services & Industries
- Finance Types: Credit Lines, Invoice Financing
- Industries: Manufacturing, Retail
Pros
- Low interest rates
- Easy application
Company F is focused on supporting business expansion with affordable loans and lines of credit, particularly for technology and healthcare sectors. It serves UK SMEs looking for larger loan amounts and low APR products. The offering includes flexible terms but may involve a more complex application process.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 4%
- Max APR: 15%
- Loan Duration: 1–60 months ⌛
Services & Industries
- Finance Types: Expansion Loans, Business Lines
- Industries: Tech, Healthcare
Pros
- Low APR
- Large maximum loan amounts
Cons
- Complex application process
Company G provides business lines of credit tailored to emerging UK businesses, including energy and retail industries. It is suitable for SMEs needing revolving credit with transparent fees. The provider offers structured repayment options while balancing rate competitiveness with flexibility.
Loan Details
- Min Amount: £7,500
- Max Amount: £200,000
- Min APR: 6%
- Max APR: 16%
- Loan Duration: 3–48 months ⌛
Services & Industries
- Finance Types: Business Credit, Revolving Credit Lines
- Industries: Energy, Retail
Pros
- Tailored solutions
- Transparent fees
Cons
- Higher rates for small loans
Company H offers accessible finance for SMEs, including credit lines and loans suited to sectors like services and food & beverage. It focuses on quick qualification and fast access to funds. This lender targets businesses needing straightforward credit with clear repayment terms but higher rates may apply for startups.
Loan Details
- Min Amount: £10,000
- Max Amount: £300,000
- Min APR: 7.5%
- Max APR: 20.5%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: SME Loans, Credit Lines
- Industries: Services, Food & Beverage
Pros
- Easy qualification
- Quick funds
Company I provides flexible financial products such as microloans and business credit lines. It suits small to medium UK businesses, including non-profit and education sectors, seeking varied loan sizes and international presence. This provider offers repayment flexibility but may have higher APRs for non-corporate entities.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 9%
- Max APR: 25%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Microloans, Business Credit
- Industries: Non-profit, Education
Pros
- Variety of loan sizes
- International presence
Cons
- Higher APR for non-corporate
Company J offers diverse funding solutions specialised for various UK business sectors including agriculture and retail. It is suited to SMEs needing sector-specific expertise and a choice of loan or credit line products. The provider emphasises comprehensive documentation and tailored offers based on industry needs.
Loan Details
- Min Amount: £2,500
- Max Amount: £350,000
- Min APR: 5%
- Max APR: 18%
- Loan Duration: 12–48 months ⌛
Services & Industries
- Finance Types: Sector-specific Loans, Lines of Credit
- Industries: Agriculture, Retail
Pros
- Diverse loan options
- Sector-specific expertise
Cons
- Strict documentation requirements
How to choose
When seeking a business line of credit around £210,000, consider lenders based on your specific needs. Evaluate loan size, APR, and eligibility requirements carefully. Fast access may be important for some, while others value flexibility or minimal collateral. Check repayment options and whether the lender supports your industry. Review all fees and documentation before applying. Use brokers or direct providers depending on the complexity of your application and product focus.
Conclusion
Choosing the right lender depends on your business’s use case. Bank loans may suit those needing traditional long-term finance and security. Brokers like Funding Agent offer access to multiple products quickly, ideal for comparing options efficiently. Specialist lenders cater to niche sectors or credit types, offering tailored solutions. Always confirm terms and eligibility directly with the provider before proceeding to ensure the best fit for a 200 thousand pounds loan.
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