Best Lenders to Secure a 90k 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 offers a platform for UK SMEs to rapidly compare multiple business finance options through a streamlined application process. It is suitable for franchise buyers and SMEs looking for clear, flexible loan terms without collateral requirements. The service emphasises speed and simplicity in matching eligibility and financing needs.
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
Company B is a financial institution offering competitive loan products with comprehensive customer support tailored to business needs. It suits franchise buyers and enterprises requiring secure financing with brokered access. The provider emphasises comprehensive services and may involve stricter eligibility and structured repayment terms.
Loan Details
- Min Amount: £50,000
- Max Amount: £200,000
- Min APR: 5%
- Max APR: 20%
- Loan Duration: 12–60 months ⌛
Services & Industries
- Finance Types: Business Loans, Revolving Credit
- Industries: Retail, Manufacturing
Pros
- Competitive rates
- Comprehensive support
Cons
- Strict eligibility criteria
Company C provides tailored revolving credit and SME financing solutions focusing on innovation. It is suited to SMEs, including franchise operators, who seek flexible credit options with varying repayment arrangements. The company targets clients who value modern finance products and adaptability.
Loan Details
- Min Amount: £10,000
- Max Amount: £150,000
- Min APR: 4.5%
- Max APR: 18.5%
- Loan Duration: 6–48 months ⌛
Services & Industries
- Finance Types: Revolving Credit, SME Loans
- Industries: Technology, E-commerce
Pros
- Innovative solutions
- Focus on SMEs
Cons
- Limited to certain industries
Company D offers revolving credit lines and tailored lending products designed to support business growth. It is suitable for franchise buyers and SMEs that require structured and possibly secured financing with flexible terms. The firm focuses on providing customised options that align with specific industry needs.
Loan Details
- Min Amount: £20,000
- Max Amount: £100,000
- Min APR: 6%
- Max APR: 19%
- Loan Duration: 12–36 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Term Loans
- Industries: Health, Education
Pros
- Tailored solutions
- Quick approvals
Company E specialises in offering low-interest loan products suited to burgeoning businesses, including franchises. It fits SMEs that prioritise cost-effectiveness and a variety of loan options with clear repayment plans. The lender provides accessible terms but typically for moderate loan amounts.
Loan Details
- Min Amount: £15,000
- Max Amount: £50,000
- Min APR: 3.9%
- Max APR: 17.9%
- Loan Duration: 6–24 months ⌛
Services & Industries
- Finance Types: Business Loans, Revolving Credit
- Industries: Services, Consulting
Pros
- Low interest rates
- Diverse products
Cons
- Not suitable for large loans
Company F focuses on providing flexible revolving credit and startup loan products designed for early-stage businesses. It suits startups and franchisees needing adaptable loan terms and repayment options. This provider emphasises speed and flexible lending practices though higher APR may apply for smaller amounts.
Loan Details
- Min Amount: £1,000
- Max Amount: £90,000
- Min APR: 7%
- Max APR: 21%
- Loan Duration: 3–36 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Startup Loans
- Industries: Startups, Innovation
Pros
- Start-up focus
- Flexible terms
Cons
- Higher APR for small amounts
Company G provides personalised revolving credit options with a client-focused approach, targeting SMEs and franchise buyers. It fits borrowers who seek flexible credit lines and tailored repayment schedules. This provider emphasises low APR and customised financial solutions suited to specific business sectors.
Loan Details
- Min Amount: £5,000
- Max Amount: £85,000
- Min APR: 5.5%
- Max APR: 15.5%
- Loan Duration: 6–60 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Factoring
- Industries: Agriculture, Retail
Pros
- Personalized options
- Low APR
Company H offers financial services with a focus on sustainability and green business sectors. It is suitable for franchise buyers and SMEs prioritising environmentally conscious financing. The lender provides revolving credit and green loan products with terms aligned to sustainability goals.
Loan Details
- Min Amount: £12,000
- Max Amount: £60,000
- Min APR: 4%
- Max APR: 16%
- Loan Duration: 12–48 months ⌛
Services & Industries
- Finance Types: Revolving Credit, Green Loans
- Industries: Renewables, Green Technology
Pros
- Sustainability focus
- Supportive terms
Cons
- Strict environmental criteria
Company I specialises in revolving credit and loans designed to support small business operations efficiently. Suited for franchise owners and SMEs requiring straightforward credit lines with manageable repayment schedules. The provider focuses on smooth processing and customer service within defined lending parameters.
Loan Details
- Min Amount: £8,000
- Max Amount: £95,000
- Min APR: 5.2%
- Max APR: 14.8%
- Loan Duration: 9–48 months ⌛
Services & Industries
- Finance Types: Revolving Credit
- Industries: Small Business, Local Services
Pros
- Efficient processing
- Great customer service
Company J supports businesses with revolving credit solutions featuring attractive terms and a simplified application process. It caters to franchise buyers and SMEs seeking straightforward access to revolving credit. The provider highlights ease of use and competitive conditions tailored for business needs.
Loan Details
- Min Amount: £25,000
- Max Amount: £100,000
- Min APR: 6.5%
- Max APR: 22%
- Loan Duration: 6–36 months ⌛
Services & Industries
- Finance Types: Revolving Credit
- Industries: Manufacturing, Wholesale
Pros
- Streamlined process
- Attractive terms
Cons
- Higher rates on larger amounts
How to choose
When selecting a lender for a 90k revolving credit loan, consider factors like loan amount, APR, and flexibility of repayment terms. Check the eligibility requirements carefully to ensure you qualify. Speed can be essential, especially if you need quick access to funds, but balance this with favourable terms and clear fees. Collateral needs and loan security impact what you can borrow and under what conditions. Also, verify whether the lender offers brokered access or direct lending, as this affects support and processing time.
Conclusion
Choosing the right lender for a 90,000 pounds loan requires matching the provider type to your specific needs. Banks may offer stability and structured products, while brokers can give access to multiple options quickly. Specialist lenders provide tailored solutions for niche sectors or unique requirements. Funding Agent is a useful resource for SMEs wanting to compare multiple lenders efficiently. Regardless of choice, always verify the latest terms and costs before committing.
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