Best Lenders to Secure a 80k 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 is a finance comparison broker focusing on unsecured business loans for UK SMEs. It is suitable for franchise buyers and operators needing clear financing options quickly. The service offers a fast application process with no collateral, providing flexibility in loan terms and types.
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
Tide Bank provides SME-focused digital banking with revolving credit services tailored for small and growing businesses. It is suited to franchise buyers looking for flexible finance without physical branches. The lender offers simple products with no fees and quick access but limited transparency on some terms.
Loan Details
- Min Amount: £0
- Max Amount: £80,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Business Loans, Revolving Credit
- Industries: Hospitality, E-commerce
Pros
- No monthly fees
- Integrated financial services
Cons
- Limited branch network
- APR details not transparent
Metro Bank offers traditional business banking with a focus on flexible loans and overdraft facilities. It is suitable for franchise buyers who want personalised service and competitive revolving credit options. The bank provides a range of repayment types and quick decision times with access to physical branches.
Loan Details
- Min Amount: £1,000
- Max Amount: £250,000
- Min APR: 5.9%
- Max APR: 19.5%
- Loan Duration: 1–60 months ⌛
Services & Industries
- Finance Types: Business Loans, Revolving Credit, Overdrafts
- Industries: Real Estate, Consultancy
Pros
- 24/7 customer service
- Flexible loan options
Cons
- Higher APR for smaller loans
Barclays is a major UK bank offering a broad range of business banking products including revolving credit. It is appropriate for franchise buyers seeking reliable service with physical branches and established lending criteria. Barclays provides flexible terms with options for secured and unsecured lending.
Loan Details
- Min Amount: £2,000
- Max Amount: £100,000
- Min APR: 3.4%
- Max APR: 14.9%
- Loan Duration: 6–72 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Business Loans, Overdrafts
- Industries: Retail, Manufacturing
Pros
- Comprehensive financial services
- Trusted bank
Cons
- Eligibility criteria can be strict
HSBC provides a range of SME finance products including revolving credit and capital finance options. It suits franchise buyers seeking reputable global banking with flexible repayment options. HSBC offers both secured and unsecured products with varied loan terms.
Loan Details
- Min Amount: £5,000
- Max Amount: £150,000
- Min APR: 4%
- Max APR: 15%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Business Loans, Revolving Credit, Capital Finance
- Industries: Healthcare, Technology
Pros
- Global presence
- Variety of finance options
Cons
- Complex application process
NatWest offers business loans and revolving credit to a wide range of SMEs with flexible terms. It is well suited for franchise buyers requiring varied loan durations and amounts. NatWest provides a mix of unsecured and secured options with both online and branch access.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 3.9%
- Max APR: 17.9%
- Loan Duration: 1–84 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Business Loans
- Industries: Agriculture, Transport
Pros
- Easy online application
- Wide range of loan options
Cons
- Potential for high APR on certain loans
Lloyds Bank provides tailored lending solutions including revolving credit and overdrafts to SMEs. It is appropriate for franchise buyers seeking established banks with reliable customer support. Lloyds offers a range of loan types with moderate to flexible repayment terms.
Loan Details
- Min Amount: £5,000
- Max Amount: £100,000
- Min APR: 4.5%
- Max APR: 18.5%
- Loan Duration: 6–72 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Overdraft, Business Loans
- Industries: Construction, Retail
Pros
- Strong customer support
- Solid reputation
Cons
- Limited offers for startups
8. Santander
Santander offers tailored financing solutions for SMEs with a focus on revolving credit and flexible repayment schedules. It fits franchise buyers needing reliable support and options for specific sectors. Santander provides loans with adaptable terms and a bank-backed framework.
Loan Details
- Min Amount: £4,000
- Max Amount: £120,000
- Min APR: 5%
- Max APR: 16%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Business Loans
- Industries: Energy, Retail
Pros
- Flexible repayment terms
- Strong community ties
Cons
- Focus on existing customers
Starling Bank is a digital-first bank focused on providing competitive revolving credit and business lending. It suits tech-savvy franchise buyers preferring streamlined applications and fast decisions. Starling offers flexible, unsecured lending with accessible digital tools and support.
Loan Details
- Min Amount: £2,000
- Max Amount: £50,000
- Min APR: 5.5%
- Max APR: 19.9%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Business Lending
- Industries: E-commerce, Retail
Pros
- Innovative technology
- Straightforward application process
Cons
- Limited physical presence
Close Brothers specialises in financial services for SMEs including revolving credit and asset finance. It is suited to franchise buyers looking for personalised service and flexible lending solutions. Close Brothers provides customised terms with attention to industry-specific needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 6%
- Max APR: 20%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Asset Finance
- Industries: Manufacturing, Wholesale
Pros
- Personalized service
- Wide range of solutions
How to choose
When selecting the best lender for an 80k revolving credit loan, consider your business size, loan purpose, and required flexibility. Assess loan eligibility criteria carefully, especially around collateral and repayment options. Look for lenders with clear fee structures and transparent APR terms. Speed of approval may be crucial for urgent funding, while some providers offer more tailored support. Evaluate if digital or branch-based service suits your preferences. Lastly, review all terms and conditions before making a commitment.
Conclusion
Selecting the right lender depends on your specific needs: banks offer stability and physical access, brokers provide wider options and faster comparisons, and specialists cater to niche or higher-risk lending. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. For other borrowers, consider providers that match your business model and collateral availability. Always confirm current costs and terms with the lender, as pricing and offers may change. Choosing carefully helps secure an appropriate loan around eighty thousand pounds to support your franchise growth.
.png)
