April 14, 2026
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Best Lenders to Secure a 390k Revolving Credit Loan

Discover the best lenders offering £390,000 revolving credit loans. Get flexible financing with competitive rates to support your business or personal needs.
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Best Lenders to Secure a 390k Revolving Credit Loan
Jesse Spence
Finance content writer / Market researcher

Jesse Spence is a Funding Research and Content Lead at Funding Agent with 4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business owners, not only, improve approval chances and choose the right type of finance but also find the right funding providers for their needs.

Best Lenders to Secure a 390k 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 focuses on providing UK SMEs with swift business finance comparisons through a streamlined application process. It is well suited for franchise buyers and operators seeking quick access to unsecured loan options with predictable terms. The platform offers flexible repayment choices without demanding collateral, enabling efficient eligibility matching.

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 broad suite of business banking products including loans aimed at diverse UK businesses. It is appropriate for franchisees and small to medium enterprises seeking bank-backed finance with flexible funding terms. Barclays provides multiple repayment options, often with no collateral for qualifying borrowers and incorporates innovation-support services.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 10 years

Services & Industries

  • Finance Types: Unsecured loans, Green loans, Mortgages
  • Industries: Various industries

Pros

  • Fast processing time
  • Wide range of loan products

Cons

  • Limited unsecured loan amounts

Sources: Source

3. Bank of Scotland

Bank of Scotland focuses on providing business loans geared towards UK businesses looking for reliable funding to expand and invest. This lender suits franchise buyers and operators seeking straightforward bank loans with fixed or flexible repayments. Security requirements and eligibility criteria may apply depending on loan type and amount.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £50,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 5 years

Services & Industries

  • Finance Types: Business loans, Overdraft facilities
  • Industries: Small businesses, Corporate entities

Pros

  • Trusted bank with a longstanding reputation
  • Multiple loan options

Cons

  • Strict eligibility criteria

Sources: Source

4. Yorkshire Bank

Yorkshire Bank specialises in structured finance options designed to support business cash flow and working capital needs. It is suitable for franchise buyers looking for tailored financial services with an emphasis on flexibility. While loan specifics are unclear, their offerings typically include financial products backed by assets or receivables.

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: Medium-sized enterprises

Pros

  • Focus on cash flow optimisation
  • Wide financial network

Cons

  • Limited information available online

Sources: Source

5. Paragon Bank

Paragon Bank targets UK businesses requiring asset-based lending focused on equipment and capital investments. This lender suits borrowers in sectors needing specific collateral and flexible lending arrangements. Loan ranges and terms are usually tailored to asset value and business needs rather than standard offers.

Loan Details

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

Services & Industries

  • Finance Types: Asset finance, Commercial loans
  • Industries: Equipment-heavy industries

Pros

  • Tailored finance solutions
  • Support for equipment investments

Cons

  • No specific loan amount information found

Sources: Source

6. NatWest

NatWest provides a comprehensive range of business loans catering to a wide array of UK SMEs and startups. Suitable for franchise buyers needing flexible loan terms and both fixed and variable rate options, NatWest emphasises competitive pricing and broad eligibility. Loans are generally offered with varying security options and adaptable repayment structures.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £10,000,000
  • Min APR: 6%
  • Max APR: 0%
  • Loan Duration: 1 year to no upper limit for variable rates

Services & Industries

  • Finance Types: Business loans, Fixed and variable rate loans
  • Industries: Various, Including startups

Pros

  • Flexible loan terms
  • Widely accessible for various business sizes

Cons

  • APR can be high for small loans

Sources: Source

7. HSBC

HSBC focuses on small and commercial business loans that aim to meet diverse financial needs of UK businesses. It suits franchise operators requiring variable loan amounts with flexible rates and repayment terms. HSBC's offerings can include secured and unsecured options backed by adaptable lending criteria and global banking resources.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 11.3%
  • Max APR: 0%
  • Loan Duration: 1 to 10 years

Services & Industries

  • Finance Types: Small business loans, Commercial loans
  • Industries: Various

Pros

  • Global reach and credibility
  • Flexible loan terms

Cons

  • Relatively high APR for small loans

Sources: Source

8. Ultimate Finance

Ultimate Finance provides asset-based lending aimed at UK businesses requiring specialised funding solutions. It is suitable for franchisees and operators in asset-intensive sectors seeking flexible products that support growth. Loan specifics and terms tend to be customised based on asset value and business profile, offering adaptable lending criteria.

Loan Details

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

Services & Industries

  • Finance Types: Asset finance, Invoice finance
  • Industries: Asset-intensive sectors

Pros

  • Flexible lending criteria
  • Specialization in asset-based products

Cons

  • Limited loan details available

Sources: Source

9. Aldermore Bank

Aldermore Bank specialises in business finance and asset-based lending designed to support UK SMEs through tailored products. It is appropriate for franchise buyers and operators seeking innovative finance with flexible lending options and without rigid conditions. The bank often combines innovation support with moderate flexibility in collateral and repayment options.

Loan Details

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

Services & Industries

  • Finance Types: Business finance, Asset-based lending
  • Industries: Small and medium enterprises

Pros

  • Specialised finance services
  • Support through innovation

Cons

  • Limited specifics on lending terms

Sources: Source

10. Lloyds Bank

Lloyds Bank provides broad business loan offerings suited for UK businesses of various sizes, including franchise operators. The bank offers long-term finance options with flexible repayment structures and extensive geographic coverage. Typically, Lloyds accommodates borrowers with varying security requirements depending on their business profile.

Loan Details

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

Services & Industries

  • Finance Types: Business loans, Working capital loans
  • Industries: Small to large businesses

Pros

  • Extensive geographic coverage
  • Flexible repayment terms

Cons

  • Potentially high eligibility requirements

Sources: Source

How to choose

When securing a 390k revolving credit loan, it is important to match loan size, APR, and repayment structure to your business needs. Evaluate lender eligibility criteria carefully, including any security or collateral requirements. Consider the trade-off between application speed and loan flexibility, especially in relation to your franchise cash flow and seasonal variations. Look beyond headline rates to examine fees, early repayment penalties, and loan term options. Also, assess whether brokered services or direct lenders best meet your industry and financial situation. This approach helps in selecting a lender that aligns with your financing goals and operational circumstances.

Conclusion

Choosing the right lender depends on your loan purpose and business profile. Banks generally offer structured loans suitable for stable enterprises, while brokers and specialist lenders may provide more customised solutions, especially for asset-backed or niche financing needs. Funding Agent is a practical choice for SMEs wanting a quick comparison across lenders. Always check lender terms and conditions carefully to ensure they fit your 390 thousand pounds loan requirements. Matching lender type with your specific use case aids in securing optimal finance efficiently.

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FAQs

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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 banking services, including loans and funding options designed to support business growth and innovation in the UK.£1,000–£100,000; 0%–0% APR; 1 to 10 years
3Bank of ScotlandBank of Scotland provides business loans and financial services aimed at helping UK businesses expand, invest, and grow efficiently.£25,000–£50,000; 0%–0% APR; 1 to 5 years
4Yorkshire BankYorkshire Bank offers a comprehensive range of financial services for businesses, including structured finance options designed to optimize cash flow.£0–£0; 0%–0% APR; Unknown
5Paragon BankParagon Bank provides finance solutions focusing on asset-based lending to support the equipment and growth needs of UK businesses.£0–£0; 0%–0% APR; Unknown
6NatWestNatWest offers a wide range of business loans in the UK, catering to small and medium businesses with competitive rates and tailored financial solutions.£25,001–£10,000,000; 6%–0% APR; 1 year to no upper limit for variable rates
7HSBCHSBC provides small and commercial business loans to help UK businesses with their financial needs, offering flexible rates and terms.£1,000–£25,000; 11.3%–0% APR; 1 to 10 years
8Ultimate FinanceUltimate Finance specialises in asset-based lending solutions that support UK businesses in achieving growth through customised financial products.£0–£0; 0%–0% APR; Unknown
9Aldermore BankAldermore Bank offers tailored business finance solutions with a focus on supporting UK businesses through specialised lending and innovative products.£0–£0; 0%–0% APR; Unknown
10Lloyds BankLloyds Bank provides a wide range of business loan options to help UK businesses with expansion, offering flexible terms up to 25 years.£1,000–£0; 0%–0% APR; Up to 25 years