Top Revolving Credit Loan Lenders in the UK for 2025

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 2025-10-06.

1. Funding Agent

Funding Agent Funding Agent offers business loans focused on straightforward application processes and quick decision times. It connects SMEs with relevant financial solutions and can facilitate access to tailored loans with flexible repayment options. Ideal for franchise operators seeking reliable funding sources, it emphasizes transparency and speed.

Loan Details

• Min Amount: £1,000
• Max Amount: £500,000
• Min APR: 4.9%
• Max APR: 15.9%
• Loan Duration: 1-60 months⌛

Services & Industries

• Finance Types: Loans, Equity Finance, Grants
• Industries: SMEs, E-commerce, Consultancy Agencies

Pros

• Flexible loan options
• Tailored solutions for SMEs
• Fast processing

Cons

• Not listed on major loan comparison sites

Sources: https://www.fundingagent.co.uk/post/top-revolving-credit-loans-for-recruitment-agencies-in-the-uk,https://www.fundingagent.co.uk/post/best-lenders-for-e-commerce-businesses-uk https://www.fundingagent.co.uk/post/top-revolving-credit-loans-for-recruitment-agencies-in-the-uk,https://www.fundingagent.co.uk/post/best-lenders-for-e-commerce-businesses-uk

2. Swoop Funding

Swoop Funding Swoop Funding is known for its digital platform that offers diverse borrowing options. It caters to small and medium-sized enterprises seeking flexible, fast funding solutions that can range from short-term working capital to larger growth loans, often secured on assets or cash flow.

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 1 day to 24 months⌛

Services & Industries

• Finance Types: Loans, Equity Finance, Grants
• Industries: Startups, SMEs, Various sectors

Pros

• Comprehensive platform
• Various funding options
• Tailored solutions

Cons

• Higher APR compared to traditional banks
• Complex eligibility criteria

Sources: https://www.fundingagent.co.uk/post/best-lenders-for-supply-chain-businesses-uk,https://swoopfunding.com/uk/sectors/ https://www.fundingagent.co.uk/post/best-lenders-for-supply-chain-businesses-uk,https://swoopfunding.com/uk/sectors/

3. Iwoca

Iwoca Iwoca offers flexible lending options for UK SMEs with a focus on fast approvals and customised repayment plans. It serves businesses seeking short-term or ongoing working capital, often secured on assets or creditworthiness. The platform supports a variety of finance products suited for different growth needs.

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 6%
• Max APR: 49%
• Loan Duration: 1 day to 24 months⌛

Services & Industries

• Finance Types: Business Loans, Flexible Funding
• Industries: Retail, Hospitality, Services, Manufacturing

Pros

• Quick decision processes
• Flexible repayment options

Cons

• High maximum APR

Sources: https://www.iwoca.co.uk/business-loan-calculator,https://www.iwoca.co.uk/finance-explained/business-loan-interest-rates https://www.iwoca.co.uk/business-loan-calculator,https://www.iwoca.co.uk/finance-explained/business-loan-interest-rates

4. Capalona

Capalona Capalona offers online business finance options suitable for various industries, emphasising accessibility and quick processing. It caters to UK SMEs seeking flexible funding with straightforward application procedures and competitive rates.

Loan Details

• Min Amount: £1,000
• Max Amount: £10,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 1-5 years⌛

Services & Industries

• Finance Types: Loans, Asset Finance
• Industries: SMEs, Various Sectors

Pros

• Diverse range of lenders
• Comparative rates

Cons

• Can include higher interest rates
• Extensive checks required

Sources: https://www.capalona.co.uk/,https://www.capalona.co.uk/blog/business-loan-interest-rates/ https://www.capalona.co.uk/,https://www.capalona.co.uk/blog/business-loan-interest-rates/

5. Aurora Capital

Aurora Capital Aurora Capital provides quick, flexible options for secured and unsecured business loans, often against property or assets. It supports SMEs needing capital for growth, acquisitions, or working capital, with an emphasis on speed and tailored solutions.

Loan Details

• Min Amount: £10,000
• Max Amount: £2,000,000
• Min APR: 6.9%
• Max APR: 12%

Services & Industries

• Finance Types: Secured Loans, Unsecured Loans
• Industries: Property Management, Entrepreneurs, Investors

Pros

• Long loan durations
• Secure funding

Cons

• Security may be required
• Complex application process

Sources: https://auroracapital.co.uk/unsecured-business-loans/,https://auroracapital.co.uk/ https://auroracapital.co.uk/unsecured-business-loans/,https://auroracapital.co.uk/

6. Pinnacle Business Finance

Pinnacle Business Finance Pinnacle Finance offers bespoke business loans and cash-flow solutions tailored to UK SMEs. It can support growth, restructuring, or seasonal needs, providing a range of online financing options with flexible terms.

Loan Details

• Min Amount: £25,000
• Max Amount: £5,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Multiple options, usually mid-term⌛

Services & Industries

• Finance Types: Business Loans, Cash Flow Funding
• Industries: Various UK Sectors

Pros

• Customizable finance options
• Wide range of financial products

Cons

• APR information is less transparent
• Might require extensive approval process

Sources: https://pinnaclebusinessfinance.co.uk/,https://pinnaclebusinessfinance.co.uk/our-services/business-funding/specialist-business-funding/revolving-credit-facilities/ https://pinnaclebusinessfinance.co.uk/,https://pinnaclebusinessfinance.co.uk/our-services/business-funding/specialist-business-funding/revolving-credit-facilities/

7. Ultimate Finance

Ultimate Finance Ultimate Finance offers asset-based and unsecured business funding options, focusing on providing growth capital and working capital solutions. It supports UK businesses with flexible terms and quick access, often suited for those with asset or cash flow security requirements.

Loan Details

• Min Amount: £5,000
• Max Amount: £2,000,000
• Min APR: 0%
• Max APR: 0%

Services & Industries

• Finance Types: Asset Finance, Bridging Loans
• Industries: Asset Heavy Industries

Pros

• Tailored solutions
• Expert guidance

Cons

• Limited to asset-based lending

Sources: https://ultimatefinance.co.uk/,https://ultimatefinance.co.uk/funding-solutions https://ultimatefinance.co.uk/,https://ultimatefinance.co.uk/funding-solutions

8. Clifton

Clifton Clifton specialises in providing competitive business loans for SMEs across various sectors. It offers flexible repayment schedules and focuses on cash flow support for growth and development, suitable for businesses with established or expanding operations.

Loan Details

• Min Amount: £50,000
• Max Amount: £25,000,000
• Min APR: 10%
• Max APR: 30%
• Loan Duration: 3-6 years⌛

Services & Industries

• Finance Types: Business Loans, Cash Flow Loans
• Industries: Various sectors across the UK

Pros

• Large loan amounts available
• Transparent rates

Cons

• High APR for unsecured loans

Sources: https://www.cliftonpf.co.uk/business-loans/,https://www.cliftonpf.co.uk/blog/05122023183052-business-loan-interest-rates/ https://www.cliftonpf.co.uk/business-loans/,https://www.cliftonpf.co.uk/blog/05122023183052-business-loan-interest-rates/

9. Number One Police Credit Union

Number One Police Credit Union offers borrowing solutions tailored for police officers and their families, often providing flexible and community-focused options. It is suitable for members seeking personal or small business financing, with repayment terms that can be adapted to individual needs.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Customizable by member's need⌛

Services & Industries

• Finance Types: Personal Loans, Revolving Credit
• Industries: Law Enforcement Community

Pros

• Tailored to police community
• Flexible terms

Cons

• Eligibility restricted to police and family

Sources: https://www.no1copperpot.com/police-loans/revolving-credit/

10. Funding Options

Funding Options Funding Options assists businesses in comparing finance offers from multiple lenders to meet various funding needs. It is suitable for companies seeking quick access to suitable revolving credit facilities with transparent terms and flexible options.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Varies by lender⌛

Services & Industries

• Finance Types: Loans, Equity, Grants
• Industries: Various industry sectors

Pros

• Wide comparison pool
• No upfront fees

Cons

• Varying lender requirements
• Fees may be higher due to comparison

Sources: https://www.fundingoptions.com/knowledge/revolving-credit-facility/

How to choose

Matching the right provider depends on your specific funding needs and the purpose of the loan. For quick, straightforward funding, a lender with streamlined processes or an online platform may be ideal. Secured loans might offer lower rates but require collateral and longer approval times. Consider your individual circumstances, including flexibility, speed, and security, when selecting a lender. Comparing different provider types can help find the best fit for your franchise project and cash flow needs.

Conclusion

Matching your funding requirements with the right type of lender is crucial. Bank lenders often provide larger or secured loans for established businesses. Brokers and online platforms, such as Funding Agent, typically offer faster, more flexible options suited for quick access or smaller amounts. Specialist providers can cater to sector-specific needs. Always confirm costs and terms directly with the lender; pricing can vary over time.