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.
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
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
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
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
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
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
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
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
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
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
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.