Best Lenders to Secure a 30k 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 offers a platform focused on helping UK SMEs compare various business finance options quickly. It is suitable for businesses looking for straightforward terms and speedy eligibility checks. Their service emphasises simplicity, with flexible repayment options and no requirement for 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
Funding Circle operates as a peer-to-peer lending marketplace for UK small and medium enterprises. It is typically suited for businesses seeking peer-financed solutions with clear loan terms. The platform prioritises transparent processes and relatively fast loan decisions.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 6%
- Max APR: 25%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Business Loans, Revolving Credit
- Industries: Construction, Health, Retail
Pros
- Fast decisions
- Transparent process
Iwoca specialises in providing fast, flexible credit facilities to small UK businesses. It is suitable for enterprises needing short-term credit to manage cash flow and growth. The provider offers adaptable repayment options with little to no collateral required.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1–12 months ⌛
Services & Industries
- Finance Types: Credit Lines, Invoice Financing
- Industries: Food, Technology, Retail
Pros
- Quick application
- No early repayment fees
Cons
- Higher APR for small amounts
Tide provides financial services including revolving credit for SMEs, with an emphasis on integrating business accounts and credit facilities. It fits businesses requiring flexible access to funds combined with business banking features. Fees and terms favour straightforward credit solutions, suitable for short to medium term lending.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 1%
- Max APR: 20%
- Loan Duration: 1–48 months ⌛
Services & Industries
- Finance Types: Business Accounts, Revolving Credit
- Industries: Retail, Service, Freelancers
Pros
- Integrated financial tools
- Low fees
Funding Options acts as a lending aggregator platform that compares different lenders according to business needs. It is suited for businesses seeking a broad range of finance options, including asset finance. This platform allows access to multiple lenders through a single application, providing flexible repayments and variable credit types.
Loan Details
- Min Amount: £1,000
- Max Amount: £5,000,000
- Min APR: 2.5%
- Max APR: 25.5%
- Loan Duration: 3–84 months ⌛
Services & Industries
- Finance Types: Business Loans, Asset Finance
- Industries: Technology, Logistics, Construction
Pros
- Wide range of products
- Easy comparison
Capital On Tap offers flexible credit lines targeted at helping SMEs manage finances and growth. It suits businesses looking for simple credit access with manageable repayments and varying credit limits. The provider focuses on ease of management and credit accessibility specific to limited companies.
Loan Details
- Min Amount: £2,000
- Max Amount: £50,000
- Min APR: 9.9%
- Max APR: 39.9%
- Loan Duration: 1–24 months ⌛
Services & Industries
- Finance Types: Credit Lines, Business Credit Cards
- Industries: Retail, Transportation, Real Estate
Pros
- High credit limits
- Easy to manage
Cons
- Only available to LTD companies
Liberis delivers revenue-based financing tailored to businesses with variable income. It suits SMEs seeking repayments linked to turnover with minimal fixed commitments. The approach provides automated repayments and can accommodate cash flow variability without traditional collateral.
Loan Details
- Min Amount: £2,500
- Max Amount: £300,000
- Min APR: 6.5%
- Max APR: 0%
- Loan Duration: 3–12 months ⌛
Services & Industries
- Finance Types: Revenue Based Finance, Cash Advances
- Industries: Hospitality, Retail, Healthcare
Pros
- Repayments align with revenue
- No hidden fees
Cons
- Not suitable for all sectors
Growth Street provides flexible finance options aimed at fostering business growth, including revolving credit facilities. It fits businesses requiring adaptable credit with interest applied only to used amounts. The lender serves select industries and offers short to medium-term loans.
Loan Details
- Min Amount: £25,000
- Max Amount: £2,000,000
- Min APR: 8%
- Max APR: 15%
- Loan Duration: 1–36 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Invoice Financing
- Industries: Manufacturing, Retail, Services
Pros
- Flexible credit
- Interest only on used credit
Cons
- Available only in certain industries
MarketFinance specialises in invoice financing solutions to improve cash flow for UK SMEs. It is tailored for businesses looking to unlock working capital via invoices rather than traditional loans. The service emphasises quick access to funds with transparent fees, suitable for a range of industries.
Loan Details
- Min Amount: £5,000
- Max Amount: £1,000,000
- Min APR: 4.5%
- Max APR: 17.5%
- Loan Duration: 1–24 months ⌛
Services & Industries
- Finance Types: Invoice Financing, Business Loans
- Industries: Services, Logistics, Construction
Pros
- Quick access to funds
- Transparent costs
Cons
- Focused on specific financing types
Esme Loans provides small businesses with an alternative lending option focusing on simplicity and speed. It is suited for organisations needing straightforward access to finance without complex procedures. The offering includes flexible repayment terms designed to accommodate business cash flow variations.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 3.4%
- Max APR: 19.9%
- Loan Duration: 1–60 months ⌛
Services & Industries
- Finance Types: Business Loans
- Industries: Retail, Technology, Manufacturing
Pros
- Fast online application
- No extensive paperwork
Cons
- Higher rates for riskier profiles
How to choose
When selecting a lender for a £30,000 revolving credit loan, consider your business needs for speed, flexibility, and repayment terms. Evaluate how different providers structure repayments, including interest on drawn credit and presence of early repayment options. Check if collateral or security is required and how it affects eligibility. Compare APRs in relation to loan size to confirm alignment with your budget. Look for lenders offering transparent fees and clear terms to avoid unexpected costs. Finally, review each provider's suitability for your industry and business model before applying.
Conclusion
Choosing the right lender depends on your business type and financing needs. Banks or direct lenders often offer competitive rates for standard loans but may require more documentation. Broker platforms like Funding Agent provide access to multiple lenders for wider options. Specialist lenders focus on niche industries or flexible products but might have higher rates or stricter criteria. Match your loan purpose and business profile carefully to the lender’s strengths when seeking a loan around 30 thousand pounds.
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