April 14, 2026
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Best Lenders to Secure a 360k Revolving Credit Loan

Discover the best lenders to secure a £360,000 revolving credit loan. Compare rates, terms, and find flexible borrowing options tailored for you.
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Best Lenders to Secure a 360k Revolving Credit Loan
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the 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. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

Best Lenders to Secure a 360k 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 2026-04-07.

1. Funding Agent

Funding Agent Funding Agent acts as a broker helping UK SMEs find suitable business finance options quickly. It is typically suitable for businesses seeking an easy application with fast eligibility evaluation. The platform offers flexible terms and unsecured loans without requiring 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

Sources: Funding Agent

2. Barclays

Barclays Barclays is a traditional bank offering business loans for a variety of purposes, including equipment purchase and business expansion. It is typically suitable for UK SMEs wanting reliable loans with potentially secured and unsecured options. The provider is known for flexibility and quick approvals, with collateral requirements depending on loan size.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 48 hours for approval and disbursement ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: All

Pros

  • Flexible terms
  • Quick approval

Cons

  • May require collateral for large loans

Sources: Source

3. Bank of Scotland

Bank of Scotland Bank of Scotland offers business loans aimed at supporting SME growth with competitive rates and flexible repayment plans. It suits businesses requiring moderate to larger loan amounts with repayment options adaptable to cash flow. Loans may include secured or unsecured types depending on individual cases.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Small Business Loans, Corporate Lending
  • Industries: Retail, Manufacturing, Services

Pros

  • Competitive rates
  • Variety of financing options

Cons

  • Stricter credit requirements

Sources: Source

4. Yorkshire Bank

Yorkshire Bank Yorkshire Bank specialises in business loans and financial products aimed at managing cash flow and business growth. It is suitable for SMEs in the UK seeking various finance solutions. The provider focuses on different loan types but details on amounts and rates are limited or unspecified.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Invoice Finance, Asset Finance
  • Industries: SMEs

Pros

  • Flexible finance solutions

Cons

  • Limited loan information available

Sources: Source

5. Paragon Bank

Paragon Bank Paragon Bank focuses primarily on asset finance for UK SMEs looking to fund equipment and tangible business assets. It suits companies that prefer lending secured by assets. Terms and loan details may vary, and the product range is asset specialised.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Asset Finance
  • Industries: Commercial, Manufacturing

Pros

  • Specializes in equipment finance

Cons

  • Focuses heavily on asset-based lending

Sources: Source

6. Nucleus Commercial Finance

Nucleus Commercial Finance Nucleus Commercial Finance provides a range of secured and unsecured business loans for UK companies. It is suited for SMEs needing flexible access to finance, including larger corporate loans. Speed and decision flexibility may vary, with emphasis on custom financing solutions.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: All

Pros

  • Rapid decision-making
  • Flexible loans

Cons

  • Potentially higher rates for unsecured loans

Sources: Source

7. iwoca

iwoca iwoca offers quick and adaptable unsecured loans designed for UK SMEs, suitable for various working capital needs. It is typically chosen for its fast decision times and ease of access. Loan durations tend to be shorter, focusing on flexible repayment options without collateral.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: E-commerce, Retail

Pros

  • Fast decision
  • No early repayment fees

Cons

  • Short loan durations

Sources: Source

8. Lloyds Bank

Lloyds Bank Lloyds Bank provides tailored business loans to support UK SMEs' growth, with flexible borrowing limits and repayment options. It is suited for businesses seeking longer-term financing and structured loan agreements. Eligibility requirements may be strict, reflecting the bank's formal lending approach.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 25 years ⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various

Pros

  • Flexible terms
  • Large loan amounts available

Cons

  • Stringent eligibility criteria

Sources: Source

9. NatWest

NatWest NatWest offers a broad range of business loans with various fixed and variable rates, suited for UK SMEs with diverse financing needs. It is typically suitable for companies requiring flexible loan structures. The lender provides tailored options with considerations for industry and loan purpose.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Fixed Rate Loans, Variable Rate Loans
  • Industries: Retail, Services, Manufacturing

Pros

  • Wide range of loan products
  • Trusted bank

Cons

  • May require established business history

Sources: Source

10. Funding Circle

Funding Circle Funding Circle is a platform specialised in fast, straightforward business loans for UK SMEs. It suits borrowers seeking quick access to funds with competitive, transparent terms. The service operates primarily online, focused on unsecured lending with a simple application process.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: Short term ⌛

Services & Industries

  • Finance Types: Small Business Loans
  • Industries: All

Pros

  • Fast access to funds
  • Low starting APR

Cons

  • Online-only service

Sources: Source

How to choose

When seeking a 360k revolving credit loan, assess lenders based on loan size, APR, and terms that match your financial capacity. Evaluate eligibility criteria and how quickly funds are disbursed. Consider the balance between flexible repayments and any collateral or security requirements. Check if lenders offer unsecured options or require assets as security. Review fees and early repayment policies carefully. Align your choice with your franchise cash flow patterns and seasonality.

Conclusion

Choosing the right provider depends on specific business needs and loan purposes. Traditional banks are suited for established businesses requiring structured terms and larger amounts. Brokers like Funding Agent help SMEs compare multiple offers quickly and find flexible options. Specialist lenders may focus on asset-backed finance or niche products. Always confirm current terms directly with the lender before committing to a 360 thousand pounds loan.

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FAQs

What is a revolving credit loan?
How can I qualify for a £360,000 revolving credit loan?
Which lenders offer the best rates for large revolving credit loans in the UK?
What are the typical interest rates for a £360k revolving credit loan?
Can I use a revolving credit loan for business purposes?
Are there any fees associated with revolving credit loans?

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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 offers a range of business loans tailored to meet the needs of UK businesses, providing solutions for purchasing new equipment or expanding operations.£1,000–£100,000; 0%–0% APR; 48 hours for approval and disbursement
3Bank of ScotlandThe Bank of Scotland supports business growth by offering loans that cater to SMEs in the UK with competitive rates and flexible repayment options.£25,000–£500,000; 0%–0% APR; 1 to 5 years
4Yorkshire BankYorkshire Bank offers business loans and finance solutions that help SMEs manage cash flow and finance growth in the UK market.£0–£0; 0%–0% APR; Unknown
5Paragon BankParagon Bank provides asset finance options designed for UK SMEs looking to invest in their businesses through equipment and growth finance.£0–£0; 0%–0% APR; Unknown
6Nucleus Commercial FinanceNucleus Commercial Finance offers a variety of business loan options to help UK businesses obtain necessary funding, ranging from unsecured loans to large corporate financing.£3,000–£2,000,000; 0%–0% APR; Unknown
7iwocaIwoca provides fast and flexible business loans for UK SMEs, enabling them to borrow up to £1,000,000 with decisions available in as little as 24 hours.£1,000–£1,000,000; 0%–0% APR; 1 to 24 months
8Lloyds BankLloyds Bank offers tailored business loans to support the growth and expansion of UK SMEs, providing flexibility in borrowing limits and repayment times.£1,000–£1,000,000; 0%–0% APR; Up to 25 years
9NatWestNatWest provides comprehensive business loan solutions for UK enterprises, offering a selection of fixed and variable rate loans tailored to different business needs.£25,001–£10,000,000; 0%–0% APR; Flexible
10Funding CircleFunding Circle is a leading platform for UK SMEs seeking business loans, offering fast financing solutions up to £750,000 with quick decision processes.£5,000–£750,000; 6.9%–0% APR; Short term
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