February 12, 2026
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Best Lenders to Secure a 220k Revolving Credit Loan

Best Lenders to Secure a 220k Revolving Credit Loan

Discover the best lenders to secure a £220,000 revolving credit loan. Compare rates, terms, and eligibility to find the perfect solution for your financial needs in the UK.
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 220k 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 providing access to multiple business finance options through a simple and fast comparison platform. It is suitable for UK SMEs seeking clarity and predictable terms for their financing needs. The service offers flexible unsecured loan options without the need for collateral and supports quick eligibility checks.

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

Barclays offers a comprehensive range of banking and lending services focusing on business financing solutions. It is suitable for franchise buyers and SMEs needing larger credit facilities with a blend of speed and established processes. Their products tend to involve traditional underwriting with variable terms concerning security and repayment options.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 7.5%
  • Max APR: 20.9%
  • Loan Duration: 3–120 months

Services & Industries

  • Finance Types: Revolving Credit, SME Loans
  • Industries: Various

Pros

  • Established bank with a strong reputation
  • Wide range of financial products

Cons

  • Stricter credit checks
  • Longer processing times

Sources: Source

3. HSBC

HSBC specialises in global banking and offers diverse financial and lending products for businesses of various sizes. It suits borrowers needing flexible repayment options often aligned with international operations or businesses needing multi-product solutions. HSBC offers a range of loan structures subject to typical underwriting and eligibility criteria.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £300,000
  • Min APR: 6.9%
  • Max APR: 18.9%
  • Loan Duration: 6–120 months

Services & Industries

  • Finance Types: Business Loans, Overdraft, Revolving Credit
  • Industries: Various

Pros

  • Global presence
  • Diverse product offerings

Cons

  • Complex application process
  • Higher interest rates on some products

Sources: Source

4. Lloyds Bank

Lloyds Bank provides comprehensive banking services with an emphasis on personal and commercial lending. It caters to SMEs and franchise buyers looking for accessible loan products that balance service and repayment flexibility. Lloyds’ loans often involve formal credit assessments and may require some form of security depending on the product.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £250,000
  • Min APR: 8.1%
  • Max APR: 21.5%
  • Loan Duration: 12–84 months

Services & Industries

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

Pros

  • Strong customer service
  • Multiple branch locations

Cons

  • Higher fees for some services

Sources: Source

5. Santander UK

Santander UK is a large retail and commercial bank offering a wide array of business finance products, including asset finance and revolving credit. It is suitable for SMEs and franchisees seeking well-established lending with competitive rates and flexible repayment options. Their services often require creditworthiness assessments and may include security requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £200,000
  • Min APR: 7.8%
  • Max APR: 19.9%
  • Loan Duration: 24–60 months

Services & Industries

  • Finance Types: Business Loans, Revolving Credit, Asset Finance
  • Industries: Various

Pros

  • Competitive interest rates
  • Large network of branches

Cons

  • Limited customer support during off-hours

Sources: Source

6. NatWest

NatWest is a prominent UK bank offering a range of personal and business banking products, including revolving credit and SME loans. It is suitable for businesses requiring straightforward lending solutions with a focus on customer service and innovation. Loan terms may vary based on credit profile and product type with flexible repayment structures.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £250,000
  • Min APR: 9.5%
  • Max APR: 22.5%
  • Loan Duration: 1–84 months

Services & Industries

  • Finance Types: SME Loans, Revolving Credit
  • Industries: Various

Pros

  • Customer-centric approach
  • Innovative banking solutions

Cons

  • Higher APR for short-term loans

Sources: Source

7. Metro Bank

Metro Bank focuses on retail and commercial banking with an emphasis on customer service and convenience. It suits SMEs and franchise operations prioritising accessibility and personalized support. Loan products include unsecured options and overdrafts, typically with straightforward application processes.

Loan Details

  • Min Amount: £500
  • Max Amount: £150,000
  • Min APR: 10%
  • Max APR: 24%
  • Loan Duration: 3–60 months

Services & Industries

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

Pros

  • Extended branch hours
  • Strong customer service

Cons

  • Limited branch locations

Sources: Source

8. TSB

TSB provides tailored banking solutions designed for personal and small business clients. Suitable for SMEs seeking revolving credit with straightforward loan application and no arrangement fees. Their offerings focus on flexibility with moderate product ranges to balance simplicity and service.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £200,000
  • Min APR: 9.8%
  • Max APR: 25%
  • Loan Duration: 6–72 months

Services & Industries

  • Finance Types: Revolving Credit, Business Loans
  • Industries: Various

Pros

  • Simple loan application process
  • No arrangement fees

Cons

  • Limited financial product range

Sources: Source

9. Clydesdale Bank

Clydesdale Bank primarily serves customers in Scotland and northern England, focusing on regional lending and business banking. It suits SMEs looking for local service with tailored credit products often involving some security considerations. The bank offers conventional loan options with flexible repayment terms to accommodate working capital needs.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £200,000
  • Min APR: 8.5%
  • Max APR: 23%
  • Loan Duration: 12–72 months

Services & Industries

  • Finance Types: Business Loans, Revolving Credit
  • Industries: Agriculture, Manufacturing

Pros

  • Personalized service
  • Strong regional presence

Cons

  • Limited branch network

Sources: Source

10. Virgin Money

Virgin Money offers a range of innovative financial products focusing on customer service and modern banking solutions. It is suited for SMEs and franchise buyers seeking flexible revolving credit and business loans with digital access options. Physical branch availability is limited but compensated by service innovation and tailored finance types.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £250,000
  • Min APR: 9.9%
  • Max APR: 24.9%
  • Loan Duration: 6–84 months

Services & Industries

  • Finance Types: Revolving Credit, Business Loans, Asset Finance
  • Industries: Technology, Media

Pros

  • Innovative financial products
  • Excellent customer service

Cons

  • Limited physical locations

Sources: Source

How to choose

When selecting the best lender to secure a 220k revolving credit loan, consider your business size and financial needs carefully. Review loan sizes and APRs in relation to your budget, and evaluate eligibility requirements thoroughly. Balance the speed of application processing with the flexibility of loan terms, including repayment options. Think about how loan repayments will align with your franchise’s cash flow and seasonal variations. Also, assess lender fees, collateral policies, and early repayment conditions before proceeding with an application.

Conclusion

Choosing the right lender depends largely on your specific borrowing needs and business profile. Banks offer stability and a broad product range but may require more stringent eligibility and collateral. Brokers like Funding Agent provide easier access to multiple options and quick eligibility matches, which can be useful for SMEs needing straightforward comparisons. Specialist lenders may cater to niche sectors or asset-backed finance needs. Always verify the most current terms and conditions, as fees and pricing can vary over time.

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FAQs

What is a revolving credit loan?
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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
2BarclaysBarclays is a British universal bank providing a wide range of financial services to consumers and small to large enterprises.£5,000–£500,000; 7.5%–20.9% APR; 3–120 months
3HSBCHSBC offers a wide array of banking and financial services to suit the needs of personal and business customers across the globe.£10,000–£300,000; 6.9%–18.9% APR; 6–120 months
4Lloyds BankLloyds Bank provides comprehensive financial services to individuals and businesses, with a focus on personal and commercial banking.£2,000–£250,000; 8.1%–21.5% APR; 12–84 months
5Santander UKSantander UK is a large retail and commercial bank offering a broad range of products and services to personal and business customers.£5,000–£200,000; 7.8%–19.9% APR; 24–60 months
6NatWestNatWest is a major retail and commercial bank in the UK, offering personal and business banking products and services.£1,000–£250,000; 9.5%–22.5% APR; 1–84 months
7Metro BankMetro Bank is a retail and commercial bank that provides a range of financial services and a customer-centric approach.£500–£150,000; 10%–24% APR; 3–60 months
8TSBTSB offers personal and business banking services tailored to meet the needs of individuals and small businesses.£1,000–£200,000; 9.8%–25% APR; 6–72 months
9Clydesdale BankClydesdale Bank provides banking and financial services primarily to customers in Scotland and the north of England.£2,000–£200,000; 8.5%–23% APR; 12–72 months
10Virgin MoneyVirgin Money offers a range of financial products and services with a commitment to excellent customer service and innovation.£3,000–£250,000; 9.9%–24.9% APR; 6–84 months