February 12, 2026
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Best Lenders to Secure a 250k Revolving Credit Loan

Best Lenders to Secure a 250k Revolving Credit Loan

Discover the best lenders offering £250,000 revolving credit loans. Learn how to secure flexible funding with competitive terms tailored to your financial needs.
Abdus-Samad Charles
Finance Writer

Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses.

Best Lenders to Secure a 250k 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 helping UK SMEs quickly compare business finance options, providing a streamlined application process. It is suited to franchise buyers and SMEs looking for a range of unsecured loans with straightforward eligibility checks. This provider offers flexibility in repayment types and does not require collateral, making it accessible for smaller businesses seeking growth finance.

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 Bank

Barclays Bank offers traditional bank business loans including variable and fixed rate options focused on commercial lending. Suitable for franchise buyers and SMEs prioritising innovation and sustainability, it features a thorough application process with stricter eligibility. The bank provides various repayment options with potential for collateral and structured terms to fit established businesses.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,500,000
  • Min APR: 3.5%
  • Max APR: 16%
  • Loan Duration: 12–120 months ⌛

Services & Industries

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

Pros

  • Wide range of products
  • Strong customer service

Cons

  • Strict eligibility criteria
  • Complicated application process

Sources: Source

3. NatWest

NatWest offers a mix of revolving credit and growth funding, targeting small to larger UK enterprises. It suits franchise operators and businesses looking for financial solutions supporting growth initiatives. Offers flexibility with loan terms and emphasizes customer support, though application processes and eligibility requirements may be more involved.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £350,000
  • Min APR: 4.1%
  • Max APR: 15.5%
  • Loan Duration: 6–84 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Growth Funding
  • Industries: Retail, Technology, Manufacturing

Pros

  • Comprehensive customer support
  • Innovative funding solutions

Cons

  • Lengthy paperwork process
  • Geographic limitations

Sources: Source

4. Santander UK

Santander UK features financial products including revolving credit and invoice finance tailored to a variety of business sizes. It suits franchise buyers and SMEs requiring flexible repayment plans and competitive APRs. The provider offers options involving collateral depending on the facility, with moderate application processing times.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £500,000
  • Min APR: 2.9%
  • Max APR: 14.9%
  • Loan Duration: 12–96 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Invoice Financing
  • Industries: Healthcare, Education, Finance

Pros

  • Competitive APR
  • Flexible repayment plans

Cons

  • Slow customer service
  • Stringent eligibility

Sources: Source

5. HSBC UK

HSBC UK delivers a global approach to business finance, providing competitive revolving credit and equipment financing. It fits franchise operators and SMEs that require robust platforms and may accept collateral depending on loan type. The lender combines flexible terms with a comprehensive online service, balanced against complex eligibility and fee structures.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 3.7%
  • Max APR: 12.7%
  • Loan Duration: 3–84 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Equipment Financing
  • Industries: Manufacturing, Real Estate, Energy

Pros

  • Global presence
  • Robust online platform

Cons

  • High fees
  • Complex eligibility requirements

Sources: Source

6. Lloyds Bank

Lloyds Bank offers versatile personal and business lending products geared to various sectors. Ideal for franchise buyers and SMEs needing asset finance or revolving credit, lending terms may involve collateral. The bank provides a simple application process with moderate repayment flexibility and regional service coverage.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £750,000
  • Min APR: 3.2%
  • Max APR: 13.5%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Asset Finance
  • Industries: Retail, Agriculture, Property Development

Pros

  • Trusted brand
  • Simple application process

Cons

  • Limited to UK businesses
  • Higher rates for startups

Sources: Source

7. TSB Bank

TSB Bank specialises in consumer and business banking with adaptable financial solutions for SMEs. It suits franchise buyers focusing on short-term and revolving credit options with personalised service. The bank offers localised support and repayment flexibility, albeit with some limitations around international services and larger loans.

Loan Details

  • Min Amount: £2,500
  • Max Amount: £300,000
  • Min APR: 3.9%
  • Max APR: 14.2%
  • Loan Duration: 6–72 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Short-term Loans
  • Industries: Retail, Services, Tourism

Pros

  • Personalized service
  • Strong local presence

Cons

  • Limited international services
  • Higher APR for larger loans

Sources: Source

8. Metro Bank

Metro Bank offers banking solutions focused on customer service, including revolving credit and commercial mortgages. It is appropriate for franchise buyers requiring transparent fees and 24/7 banking access. The lender provides flexible terms matched with a digital-first approach, suitable for SMEs favouring convenience and straightforward lending.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,500,000
  • Min APR: 4.5%
  • Max APR: 17%
  • Loan Duration: 1–96 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Commercial Mortgages
  • Industries: Hospitality, Retail, Professional Services

Pros

  • 24/7 banking
  • Transparent fees

Cons

  • Branch limitations
  • Limited product variety

Sources: Source

9. Virgin Money UK

Virgin Money UK specialises in innovative financial products for personal and business use, including flexible revolving credit. It suits franchise buyers and SMEs seeking adaptable credit lines with competitive rates and reasonable access terms. The provider balances flexibility with brand strength, offering options aligned with diverse industry needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 3%
  • Max APR: 13.8%
  • Loan Duration: 6–120 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Working Capital
  • Industries: Media, Finance, Retail

Pros

  • Strong brand recognition
  • Competitive rates

Cons

  • Limited branch access
  • Moderate product range

Sources: Source

10. Clydesdale Bank

Clydesdale Bank focuses on secure and competitive lending with products like revolving credit and trade finance. It serves UK SMEs including franchise buyers who prefer personalised service and regional expertise. Lending terms usually involve conventional collateral and accommodate business-specific financing needs.

Loan Details

  • Min Amount: £2,500
  • Max Amount: £350,000
  • Min APR: 4%
  • Max APR: 15.5%
  • Loan Duration: 12–84 months ⌛

Services & Industries

  • Finance Types: Revolving Credit, Trade Finance
  • Industries: Agriculture, Retail, Construction

Pros

  • Strong regional ties
  • Personalized service

Cons

  • Regional limitations
  • Lengthy approval process

Sources: Source

How to choose

When seeking the best lenders to secure a 250k revolving credit loan, evaluate how the loan size and APR match your budget and repayment capacity. Review eligibility criteria carefully, as some lenders have stricter requirements. Consider the speed of approval against repayment flexibility, as some options offer faster funding with less flexibility. Clarify the need for collateral and the types of repayments available to ensure the loan fits your business cash flow and seasonal demands. Finally, assess fees and early repayment terms to avoid unexpected costs before applying.

Conclusion

Choosing the right lender depends on your business needs and loan purpose. Banks typically offer structured products ideal for established businesses with clear collateral. Brokers like Funding Agent help SMEs by providing quick comparisons and easier access to multiple providers. Specialists often address niche requirements or asset-backed lending. Always use this guide to align the provider type with your intended use case when applying for a 200 thousand pounds loan. Confirm up-to-date terms directly with lenders to make informed decisions.

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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
2Barclays BankBarclays Bank offers financial services and products including variable and fixed loans for businesses in the UK with a focus on innovation and sustainability.£5,000–£2,500,000; 3.5%–16% APR; 12–120 months
3NatWestNatWest offers focused lending options and financial services for small to large enterprises across the UK, with initiatives supporting business growth.£1,000–£350,000; 4.1%–15.5% APR; 6–84 months
4Santander UKSantander UK provides a variety of financial products including revolving credit facilities tailored for different business sizes and needs.£2,000–£500,000; 2.9%–14.9% APR; 12–96 months
5HSBC UKHSBC UK provides a global approach to business finance solutions, offering competitive revolving credit facilities and loan options.£5,000–£1,000,000; 3.7%–12.7% APR; 3–84 months
6Lloyds BankLloyds Bank offers personal and business financial services with versatile lending products suitable for various business needs.£1,000–£750,000; 3.2%–13.5% APR; 6–60 months
7TSB BankTSB Bank focuses on consumer and business banking products, with a commitment to helping SMEs grow through adaptable financial solutions.£2,500–£300,000; 3.9%–14.2% APR; 6–72 months
8Metro BankMetro Bank prides itself on revolutionizing banking with a strong focus on customer service, providing a range of loan products including revolving credit.£10,000–£1,500,000; 4.5%–17% APR; 1–96 months
9Virgin Money UKVirgin Money UK offers innovative financial products aimed at both personal and business customers, with flexible credit solutions.£5,000–£500,000; 3%–13.8% APR; 6–120 months
10Clydesdale BankClydesdale Bank is dedicated to providing secure and competitive financial services with innovative lending solutions tailored for businesses.£2,500–£350,000; 4%–15.5% APR; 12–84 months
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