February 12, 2026
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Best Lenders to Secure a 210k Revolving Credit Loan

Best Lenders to Secure a 210k Revolving Credit Loan

Discover the best UK lenders offering £210,000 revolving credit loans. Learn about rates, eligibility, and how to choose the right lender for your financial needs.
James Laden
Co-founder and CEO

8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey.

Best Lenders to Secure a 210k 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 acts as a broker helping UK SMEs quickly compare a variety of business finance products. It suits businesses seeking unsecured loans and working capital with an emphasis on a fast, simple application and eligibility matching. This provider offers flexibility with minimal collateral requirements and lender access across multiple finance types.

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. Santander

Santander is a bank offering a broad range of business banking solutions including loans and revolving credit. It is typically suited to established businesses seeking banking services integrated with wider accounts. The bank’s lending options emphasise security and repayment flexibility but may require existing customer status and have specific eligibility requirements.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Revolving Credit, Business Loans
  • Industries: General business

Pros

  • Well-established bank
  • Multiple lending options

Cons

  • Limited to existing customers

Sources: Source

3. Barclays

Barclays is a bank focused on business financial services including loans and overdrafts to maintain cash flow. It suits SMEs requiring tailored solutions and a global network. Their lending often involves standard collateral considerations and offers options that balance speed with flexibility for repayment.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £300,000
  • Min APR: 6.5%
  • Max APR: 18.5%
  • Loan Duration: 12-72 months

Services & Industries

  • Finance Types: Business Loans, Overdrafts
  • Industries: Healthcare, Retail

Pros

  • Tailored financial solutions
  • Global reach

Cons

  • Higher APR for smaller loans

Sources: Source

4. HSBC

HSBC is a bank offering a range of business credit options, including SME loans and revolving credit. It is suitable for businesses needing flexible terms and solutions aligned with export and manufacturing sectors. Their products typically balance structured lending criteria with varied repayment options and potential collateral needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £200,000
  • Min APR: 5.5%
  • Max APR: 16%
  • Loan Duration: 6-60 months

Services & Industries

  • Finance Types: SME Loans, Revolving Credit
  • Industries: Manufacturing, Export

Pros

  • Strong global presence
  • Excellent support

Cons

  • Strict eligibility criteria

Sources: Source

5. Lloyds Bank

Lloyds Bank provides business loans and revolving credit with a focus on flexible credit terms and a broad UK presence. It is generally suitable for SMEs needing commercial loans secured against business assets or unsecured credit with options tailored to retail and agricultural sectors. The bank aims to balance competitive terms with wide accessibility.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 4.9%
  • Max APR: 15.9%
  • Loan Duration: 3-60 months

Services & Industries

  • Finance Types: Revolving Credit, Commercial Loans
  • Industries: Agriculture, Retail

Pros

  • Flexible credit terms
  • Wide branch network

Cons

  • Can be difficult to qualify

Sources: Source

6. NatWest

NatWest is a bank offering customised credit and loan services suited to various business needs including real estate and technology. It appeals to SMEs looking for tailored repayments and flexible credit solutions but may require meeting detailed criteria. Their offerings typically focus on balancing accessible finance with prudent lending frameworks.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

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

Pros

  • Flexible repayment solutions
  • Good customer service

Cons

  • Interest rates can be high

Sources: Source

7. BNP Paribas

BNP Paribas is a lender offering broad financial products including revolving credit and project finance for corporate and SME clients. It is appropriate for businesses needing diverse funding sources with international support. The provider typically involves detailed applications reflecting the complexity of services and sectors supported.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £1,000,000
  • Min APR: 5.8%
  • Max APR: 19.9%
  • Loan Duration: 6-72 months

Services & Industries

  • Finance Types: Revolving Credit, Project Finance
  • Industries: Healthcare, Energy

Pros

  • Strong international presence
  • Diverse financial products

Cons

  • Complex application process

Sources: Source

8. Metro Bank

Metro Bank offers flexible business banking products including loans and revolving credit tailored to sectors like retail and construction. It suits SMEs needing accessible finance with responsive customer service. Their products are designed for convenience with varying terms to meet common business funding requirements.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £300,000
  • Min APR: 7%
  • Max APR: 20%
  • Loan Duration: 12-60 months

Services & Industries

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

Pros

  • 24/7 customer service
  • Flexible terms

Cons

  • Higher interest rates

Sources: Source

9. TSB

TSB is a bank providing finance options including business loans and overdrafts designed to support SME growth. It is suitable for businesses in hospitality and retail seeking straightforward lending with flexible repayment plans. TSB’s offerings prioritise accessibility alongside credit flexibility.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £150,000
  • Min APR: 8%
  • Max APR: 22%
  • Loan Duration: 6-36 months

Services & Industries

  • Finance Types: Business Loans, Overdraft
  • Industries: Hospitality, Retail

Pros

  • Flexible finance options
  • Easy online banking

Cons

  • Higher APR for unsecured loans

Sources: Source

10. Cooperative Bank

Cooperative Bank focuses on ethical banking products including business loans and overdrafts with an emphasis on responsible lending. It is suited to SMEs in nonprofit and retail sectors seeking credit aligned with ethical practices. Their offerings often involve straightforward criteria with limited branch accessibility but positive customer support.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business Loans, Overdrafts
  • Industries: Non-profit, Retail

Pros

  • Ethical banking practices
  • Good customer service

Cons

  • Limited branch access

Sources: Source

How to choose

When seeking the best lenders for a 210k revolving credit loan, evaluate how loan size and APR fit your financial limits and repayment capabilities. Prioritise lenders with eligibility criteria that match your business profile and check for flexibility in repayment options and collateral requirements. Speed of approval is important but balance it against loan terms and fees. Review lender reputation, customer support, and whether they broker access to multiple products or provide direct lending. Consider seasonal cash flow and how repayments will align with your franchise operations. Always verify current terms directly with the lender before committing.

Conclusion

Choosing the right lender depends on your business needs and loan purpose. Banks often provide established structures suited to mainstream financing, while brokers like Funding Agent can offer access to multiple options quickly. Specialist lenders might suit unique business types or higher loan amounts with specific terms. For a 200 thousand pounds loan, matching provider type with your priorities on speed, flexibility, and collateral is essential. Funding Agent remains a practical choice for SMEs seeking fast, comparative finance options.

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FAQs

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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
2SantanderSantander UK offers a wide range of banking solutions for businesses, including various types of loans and revolving credit facilities.£0–£0; 0%–0% APR; Unknown
3BarclaysBarclays provides financial services to businesses, including loans and credit solutions to help maintain cash flow.£10,000–£300,000; 6.5%–18.5% APR; 12-72 months
4HSBCHSBC UK serves a diverse range of customers, providing credit solutions and business loans with flexible terms.£10,000–£200,000; 5.5%–16% APR; 6-60 months
5Lloyds BankLloyds Bank offers comprehensive financial services including business loans and revolving credit options with attractive terms.£5,000–£250,000; 4.9%–15.9% APR; 3-60 months
6NatWestNatWest provides tailored financial solutions, including flexible credit and loan options for various business needs.£0–£0; 0%–0% APR; Unknown
7BNP ParibasBNP Paribas in the UK offers extensive lending products and financial solutions designed for corporate and SME clients.£50,000–£1,000,000; 5.8%–19.9% APR; 6-72 months
8Metro BankMetro Bank offers a variety of business banking solutions including loans and credit facilities tailored to business needs.£25,000–£300,000; 7%–20% APR; 12-60 months
9TSBTSB Bank provides financial solutions including SME financing to help businesses grow and manage cash flow.£10,000–£150,000; 8%–22% APR; 6-36 months
10Cooperative BankThe Cooperative Bank provides ethical banking services, offering a range of business credit and loan options.£0–£0; 0%–0% APR; Unknown