February 12, 2026
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Best Lenders to Secure a 50k Revolving Credit Loan

Best Lenders to Secure a 50k Revolving Credit Loan

Discover the best lenders offering £50,000 revolving credit loans. Compare rates, terms, and features to find the perfect loan for your financial needs.
James Laden
Co-founder and CEO

8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey.

Best Lenders to Secure a 50k 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 providing UK SMEs with a clear comparison of business finance options. It is suitable for those seeking straightforward loans with predictable terms and quick decision-making. The platform emphasises speed, ease of use, and unsecured loan options 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. Funding Circle

Funding Circle is a lending platform focusing on business loans for small UK enterprises. It suits borrowers needing predictable terms and quick funding decisions, often for clear business expansion or capital needs. The service offers competitive rates with an emphasis on online application simplicity and eligibility checks.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 7.9%
  • Max APR: 20%
  • Loan Duration: 6-60 months ⌛

Services & Industries

  • Finance Types: Business Loans, Revolving Credit
  • Industries: Various

Pros

  • Quick funding
  • Easy online application

Cons

  • Higher APR for smaller loans

Sources: Source

3. Capify

Capify delivers financing solutions tailored for UK small businesses, concentrating on fast access to capital. It is ideal for businesses requiring flexible repayment structures and quick approvals. The provider supports various industries with an emphasis on flexible products, including merchant cash advances.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £150,000
  • Min APR: 8%
  • Max APR: 30%
  • Loan Duration: 3-24 months ⌛

Services & Industries

  • Finance Types: Small Business Loans, Merchant Cash Advance
  • Industries: Retail, Hospitality

Pros

  • Fast approval
  • Flexible payment options

Cons

  • Higher rates for larger amounts

Sources: Source

4. Liberis

Liberis specialises in business cash advances designed for small businesses needing flexible repayment aligned with earnings. It suits companies in sectors like retail and hospitality that value flexibility over fixed schedules. Its model does not require collateral, offering adaptable funding solutions.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £300,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Business Cash Advance
  • Industries: Retail, Hospitality

Pros

  • No fixed term
  • Repay as you earn

Cons

  • Limited to certain industries

Sources: Source

5. iwoca

iwoca provides flexible credit lines and business loans to small UK firms. It suits businesses looking for fast funding solutions and easy management through digital platforms. This lender focuses on speed and accessibility with various loan types for diverse industries.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £200,000
  • Min APR: 3.9%
  • Max APR: 24.9%
  • Loan Duration: 1-12 months ⌛

Services & Industries

  • Finance Types: Credit Lines, Business Loans
  • Industries: Various

Pros

  • Flexible credit lines
  • Quick decision

Cons

  • Short loan durations

Sources: Source

6. Fleximize

Fleximize offers customised finance solutions for UK small and medium businesses, focusing on adaptable loan terms. It is suited to businesses needing tailored funding with potential broker access and flexible repayment options. The provider emphasises no penalties for early repayment and dedicated support channels.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 6.4%
  • Max APR: 0%
  • Loan Duration: 1-48 months ⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various

Pros

  • No penalties for overpayment
  • Access to dedicated relationship manager

Cons

  • Limited to UK businesses only

Sources: Source

7. White Oak UK

White Oak UK specialises in providing finance tailored to the needs of UK SMEs across sectors such as construction and healthcare. It offers a wide range of options including asset finance. The lender suits those requiring flexible but structured products with competitive rates and diverse funding possibilities.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £1,000,000
  • Min APR: 5%
  • Max APR: 0%
  • Loan Duration: 3-60 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Business Loans
  • Industries: Construction, Healthcare, Manufacturing

Pros

  • Competitive rates
  • Diverse finance options

Cons

  • Higher minimum loan amount

Sources: Source

8. MarketFinance

MarketFinance provides invoice financing designed to unlock capital tied up in unpaid invoices for UK businesses. It suits companies with receivables needing rapid access to working capital. The service offers a straightforward online process focused on invoice verification and speed.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Invoice Finance
  • Industries: Various

Pros

  • Rapid access to cash
  • Simple online process

Cons

  • Requires invoice verification

Sources: Source

9. Nucleus Commercial Finance

Nucleus Commercial Finance offers a range of financial products for UK SMEs, including business loans, asset finance, and revolving credit. It is suited to businesses seeking diverse lending options supported by sector expertise. The lender provides flexible structures, accommodating various repayment types and industry needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 6.5%
  • Max APR: 28.8%
  • Loan Duration: 6-60 months ⌛

Services & Industries

  • Finance Types: Business Loans, Asset Finance, Revolving Credit, Invoice Finance
  • Industries: Various

Pros

  • Diverse product range
  • High maximum loan amount

Cons

  • Complex application process

Sources: Source

10. Spotcap UK

Spotcap UK provides accessible business loans with flexible terms for small UK businesses. It suits borrowers who need a straightforward application and adaptable funding to support growth. The lender offers quick decisions and various repayment options without heavy collateral requirements.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £150,000
  • Min APR: 8.5%
  • Max APR: 0%
  • Loan Duration: 3-24 months ⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various

Pros

  • Quick application process
  • Flexibility in funding

Cons

  • Higher minimum loan requirement

Sources: Source

How to choose

When seeking the best lenders to secure a 50k revolving credit loan, consider aligning your loan amount and APR with your business budget and credit profile. Evaluate each provider’s eligibility terms, application speed, and loan flexibility to match your operational needs. Look closely at repayment structures and any fees or penalties for early repayment. Factor in how the revolving credit option fits your franchise’s cash flow cycles and seasonality. Comparing lender criteria will help identify specialists versus generalist lenders. Always verify current terms and confirm that the product suits your borrowing purpose before applying.

Conclusion

Choosing the right lender depends on your specific business use case and needs. Traditional banks may suit established businesses seeking lower rates while brokers and specialist lenders offer broader options including secured loans and credit lines. Matching the lender’s expertise to your borrowing purpose can lead to better terms and outcomes. Funding Agent offers a useful platform for fast comparisons across multiple lending options. When securing a 50 thousand pounds loan, consider your priorities around speed, flexibility, and security to make the best choice.

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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
2Funding CircleFunding Circle is a platform for small businesses in the UK to access loans and business finance, offering competitive rates and quick access to funding.£10,000–£500,000; 7.9%–20% APR; 6-60 months
3CapifyCapify offers small business financing solutions with loans tailored to the specific needs of UK businesses, focusing on quick access to capital.£5,000–£150,000; 8%–30% APR; 3-24 months
4LiberisLiberis provides finance solutions tailored for small businesses, leveraging partnerships to offer flexible funding options.£2,000–£300,000; 0%–0% APR; Flexible
5iwocaiwoca offers fast and flexible finance to small businesses across the UK, with solutions that are easy to apply for and manage.£1,000–£200,000; 3.9%–24.9% APR; 1-12 months
6FleximizeFleximize offers personalized finance solutions to small and medium businesses in the UK with a focus on flexible and tailored funding.£5,000–£500,000; 6.4%–0% APR; 1-48 months
7White Oak UKWhite Oak UK specializes in providing finance solutions that are tailored to the needs of UK SMEs, with a broad range of financial products.£25,000–£1,000,000; 5%–0% APR; 3-60 months
8MarketFinanceMarketFinance offers invoice financing for businesses in the UK, providing fast access to capital tied up in unpaid invoices.£5,000–£500,000; 0%–0% APR; Flexible
9Nucleus Commercial FinanceNucleus offers a suite of financial products designed for UK SMEs, combining innovative financial structures with deep sector expertise.£10,000–£2,000,000; 6.5%–28.8% APR; 6-60 months
10Spotcap UKSpotcap provides flexible and accessible business loans to small businesses, enabling them to invest and grow with confidence.£10,000–£150,000; 8.5%–0% APR; 3-24 months
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