Best Lenders to Secure a 240k 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 focuses on helping UK SMEs compare multiple business finance options efficiently. It is suitable for franchise buyers or operators seeking a range of credit products with straightforward eligibility checks. The provider offers a balance of speed and flexibility, with unsecured loans typically available without collateral.
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 A provides tailored financial solutions primarily focused on revolving credit for SMEs. It serves franchise buyers or businesses seeking flexible credit access without predetermined loan amounts. The company offers customised options typically brokered for specialised industry needs, with terms that may vary based on client profile.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Revolving Credit
- Industries: Construction
Pros
- Tailored solutions
- Wide industry coverage
Cons
- Higher APR for small amounts
Company B focuses on small business finance including revolving credit and merchant cash advances. It suits businesses looking for relatively quick access to funds with structured repayment plans. This provider typically offers options with some flexibility on terms, catering to e-commerce and similar sectors.
Loan Details
- Min Amount: £10,000
- Max Amount: £200,000
- Min APR: 6%
- Max APR: 25%
- Loan Duration: 12–48 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Merchant Cash Advance
- Industries: E-commerce
Pros
- Fast funding
- Simple application process
Cons
- Higher APR for longer durations
Company C offers flexible credit lines and revolving credit primarily for UK businesses in technology sectors. It is suited for borrowers needing adaptable financing options with varied repayment arrangements. Applicants may need a strong credit profile for improved terms and access to line of credit products.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 5.5%
- Max APR: 24%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Revolving Credit, Line of Credit
- Industries: Technology
Pros
- High credit limit
- No extra charges
Cons
- Requires strong credit history
Company D provides revolving credit loans designed for medium-sized businesses. It is appropriate for franchise owners requiring competitive terms with loan amounts tailored to business scale. The provider generally offers straightforward products that may include fixed repayment plans without additional collateral.
Loan Details
- Min Amount: £50,000
- Max Amount: £300,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Revolving Credit
- Industries: Retail
Pros
- High borrowing limit
- Customizable terms
Company E offers financing solutions aimed at improving cash flow and enabling business growth. It typically serves UK SMEs looking for revolving credit or invoice discounting options. Its products provide moderate flexibility in repayment terms, catering to businesses in transport and logistics sectors.
Loan Details
- Min Amount: £20,000
- Max Amount: £250,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6–36 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Invoice Discounting
- Industries: Transportation
Pros
- Flexible repayment options
- Competitive fees
Cons
- Limited loan options for startups
Company F provides credit lines and diverse financing options aimed at supporting businesses at various growth stages. It is suited to franchise owners and SMEs needing flexible credit with asset financing possible. The application process may be detailed but delivers a variety of tailored finance products.
Loan Details
- Min Amount: £10,000
- Max Amount: £150,000
- Min APR: 7%
- Max APR: 22%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Asset Financing
- Industries: Manufacturing
Pros
- Wide range of finance products
- Experienced advisors
Cons
- Complex application process
Company G offers specialised financing products, including revolving credit and working capital loans, mainly for UK SMEs in healthcare. It caters to clients needing industry-specific loan structures, often with flexible terms. Loan amounts and APRs may vary and are adjusted to client profile and creditworthiness.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 6.5%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Revolving Credit, Working Capital Loans
- Industries: Healthcare
Pros
- Industry-specific loans
- Flexible terms
Cons
- Limited amount for new clients
Company H specialises in revolving credit facilities aimed at improving liquidity for UK SMEs. It is a fit for businesses such as franchise operators who need short-term access to funds with fast approval. The provider typically offers simple terms with no prepayment penalties but shorter loan durations.
Loan Details
- Min Amount: £25,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6–12 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Business Expansion Loans
- Industries: Hospitality
Pros
- Rapid approval
- No prepayment penalties
Company I delivers comprehensive lending solutions focusing on revolving credit for small businesses. It suits franchise buyers seeking predictable terms with various repayment options. The provider offers financing aligned with retail and similar sectors, often with some regional constraints.
Loan Details
- Min Amount: £5,000
- Max Amount: £100,000
- Min APR: 8%
- Max APR: 28%
- Loan Duration: 3–24 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Business Improvement Loans
- Industries: Retail
Pros
- Lower APR for high credit
How to choose
When selecting the best lender for a 240k revolving credit loan, consider your required loan size and the APR range that fits your budget. Assess your eligibility against lender criteria and evaluate repayment terms to ensure they match your franchise cash flow and seasonal fluctuations. Balance the speed of funding against the flexibility of loan conditions. Pay attention to fees, loan duration, and early repayment options before applying. Choosing between brokers, specialists, and direct lenders depends on the complexity of your needs and access to products.
Conclusion
Choosing the right lender for a 200 thousand pounds loan requires matching your business needs with provider types. Bank lenders often suit those seeking standard products with established terms. Brokers can offer access to multiple lenders for tailored solutions. Specialists focus on niche sectors or loan types with flexible underwriting. Funding Agent is a solid option for SMEs wanting quick comparisons across multiple offerings but verify details before committing.
.png)
