April 14, 2026
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Best Lenders to Secure a 400k Revolving Credit Loan

Discover the best lenders to secure a £400,000 revolving credit loan in the UK. Compare options, rates, and terms to find the perfect fit for your financial needs.
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Best Lenders to Secure a 400k 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 400k 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 offers a platform focused on business finance comparisons for UK SMEs. It is suitable for franchise buyers and operators seeking clear borrowing options with little complexity. The service emphasizes a fast application process and straightforward eligibility checks 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 provides bank business loans including revolving credit for a wide range of UK businesses. It suits borrowers who need flexible financing options and access to a large institution. Loan terms often include options for both secured and unsecured lending with variable repayment structures.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 6.5%
  • Max APR: 12.5%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Unsecured loans, Revolving credit
  • Industries: General business, Retail, Manufacturing

Pros

  • Reputable institution
  • Flexible loan terms

Cons

  • Higher rates for smaller loans

Sources: Source

3. Bank of Scotland

Bank of Scotland focuses on bank lending products tailored for SMEs, including structured loans and revolving credit. It is suitable for borrowers who require substantial loan amounts and various financing structures. Bank of Scotland offers options with collateral requirements and term flexibility designed to support business growth.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £5,000,000
  • Min APR: 4%
  • Max APR: 18%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Structured loans, Revolving credit
  • Industries: SME, Corporate

Pros

  • Competitive rates
  • Strong support network

Cons

  • Rigorous application process

Sources: Source

4. Yorkshire Bank

Yorkshire Bank offers a variety of business loan products including solutions for cash flow, asset purchases, and revolving credit. It is well-suited for franchises and SMEs needing adaptable financing with a mix of secured and unsecured options. This provider offers flexibility in repayment periods and loan structures.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 5.5%
  • Max APR: 15.5%
  • Loan Duration: 1 to 15 years ⌛

Services & Industries

  • Finance Types: Cashflow finance, Revolving credit
  • Industries: SME, Commercial

Pros

  • Flexible finance solutions
  • Good customer service

Cons

  • Not available to all industries

Sources: Source

5. Paragon Bank

Paragon Bank is a specialist lender concentrating on asset and cash flow finance for UK businesses. It fits companies looking for loans secured on assets or flexible payment terms. Loan products typically include revolving credit and are designed to support steady business growth.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £3,000,000
  • Min APR: 6%
  • Max APR: 16%
  • Loan Duration: 6 months to 7 years ⌛

Services & Industries

  • Finance Types: Asset finance, Revolving credit
  • Industries: Technology, Manufacturing

Pros

  • Specialized finance options
  • Quick processing

Cons

  • Limited product range

Sources: Source

6. NatWest

NatWest delivers tailored business financing with a mix of fixed-rate loans and revolving credit products. It serves a broad spectrum of UK businesses, including franchises, seeking adaptable loan terms. Security requirements and repayment options vary according to the product selected.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £10,000,000
  • Min APR: 4.5%
  • Max APR: 13%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Fixed-rate loans, Revolving credit
  • Industries: Corporate, Small business

Pros

  • Wide range of products
  • Strong customer support

Cons

  • May have complex terms

Sources: Source

7. Funding Circle

Funding Circle operates as a direct lending platform focusing on fast, accessible business loans for SMEs. It is suited for franchise operators needing straightforward approval and transparent costs. The platform provides mainly unsecured loans with fixed repayment schedules.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £750,000
  • Min APR: 4.3%
  • Max APR: 15%
  • Loan Duration: 6 months to 5 years ⌛

Services & Industries

  • Finance Types: Business loans, Short-term finance
  • Industries: SME, Retail

Pros

  • Fast approval
  • Direct lending

Cons

  • Limited large-scale options

Sources: Source

8. iwoca

iwoca provides flexible short-term loans with an efficient online application process, targeting SMEs needing quick access to working capital. It suits franchise businesses requiring revolving credit or short-duration finance without heavy collateral demands. The lender focuses on speed and ease for borrowers with varying credit profiles.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 2.2%
  • Max APR: 19.9%
  • Loan Duration: 1 day to 24 months ⌛

Services & Industries

  • Finance Types: Short-term loans, Revolving credit
  • Industries: E-commerce, Startups

Pros

  • No early repayment fees
  • Quick online application

Cons

  • Higher rates for very short terms

Sources: Source

9. Metro Bank

Metro Bank provides commercial loans and revolving credit designed for a variety of UK businesses, including franchises. It offers flexible borrowing with tailored payment schedules and industry-specific options. Metro Bank's lending often involves a mix of secured and unsecured products to fit different needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £5,000,000
  • Min APR: 4.9%
  • Max APR: 14.9%
  • Loan Duration: 1 to 30 years ⌛

Services & Industries

  • Finance Types: Commercial loans, Revolving credit
  • Industries: Retail, Service, Tech

Pros

  • Flexible loan terms
  • Customer-focused service

Cons

  • Eligibility criteria may be strict

Sources: Source

10. Santander UK

Santander UK offers broad business loan products including asset finance and credit solutions for SMEs and larger enterprises. It fits franchise buyers needing a range of financing options with varied collateral and repayment terms. Santander emphasises competitive rates and comprehensive service for diverse sectors.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,500,000
  • Min APR: 3.5%
  • Max APR: 14.5%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Business loans, Asset finance
  • Industries: SME, Corporate, Agriculture

Pros

  • Competitive interest rates
  • Wide range of products

Cons

  • Complex application process

Sources: Source

How to choose

When selecting the best lender to secure a 400k revolving credit loan, assess how loan size and APR fit within your financial plan. Evaluate speed and flexibility of the application and approval process, especially for franchise operations with seasonal cash flows. Check eligibility conditions carefully, including security requirements and repayment options. Consider if the lender offers fixed or variable rates that suit your budgeting. Factor in all fees including early repayment charges. Finally, ensure the loan terms align with your business growth needs and cash flow patterns.

Conclusion

Choosing the right provider depends on your use case: banks offer stability and wide product ranges, brokers provide access to multiple lenders, and specialists cater to niche financing needs. Funding Agent is useful for comparing quick options across different providers. For a 400 thousand pounds loan, match your business needs with lender terms, security demands, and flexibility. Always verify current costs and contract conditions before committing.

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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
2BarclaysBarclays offers a comprehensive range of business loans, including revolving credit facilities, to support UK businesses in expanding their operations.£1,000–£100,000; 6.5%–12.5% APR; 1 to 5 years
3Bank of ScotlandBank of Scotland provides a variety of business loans designed to help SMEs grow, including structured loans and other flexible borrowing solutions.£25,000–£5,000,000; 4%–18% APR; 1 to 10 years
4Yorkshire BankYorkshire Bank offers a range of business loan products including finance for cash flow, asset purchases, and revolving credit options.£5,000–£2,000,000; 5.5%–15.5% APR; 1 to 15 years
5Paragon BankParagon Bank specializes in asset and cash flow finance, providing UK businesses with the necessary capital for growth through flexible loan programs.£10,000–£3,000,000; 6%–16% APR; 6 months to 7 years
6NatWestNatWest provides tailored business loans such as fixed-rate loans and revolving credit, catering to a wide range of UK businesses.£25,001–£10,000,000; 4.5%–13% APR; 1 to 10 years
7Funding CircleFunding Circle is a direct lending platform focused on providing fast and affordable business loans to SMEs across the UK.£5,000–£750,000; 4.3%–15% APR; 6 months to 5 years
8iwocaIwoca provides flexible business loans to UK SMEs with an online application process, offering amounts from £1,000 to £1,000,000.£1,000–£1,000,000; 2.2%–19.9% APR; 1 day to 24 months
9Metro BankMetro Bank offers a range of commercial loans and business credit products, providing tailored solutions to suit UK businesses' financial needs.£5,000–£5,000,000; 4.9%–14.9% APR; 1 to 30 years
10Santander UKSantander UK offers a broad range of business loans and credit solutions to help SMEs and larger businesses achieve their financial goals.£5,000–£2,500,000; 3.5%–14.5% APR; 1 to 25 years
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