The best Business loan Lenders for Marketing agencies in the UK

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 provides tailored financial solutions to marketing agencies in the UK, offering unsecured business loans and a variety of funding options. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Unsecured business loans
• Industries: Marketing

Pros

• Tailored solutions for marketing agencies

Cons

• Specific terms and amounts unclear

Sources: https://www.fundingagent.co.uk/post/top-unsecured-business-loan-lenders-for-marketing-agencies-uk

2. Swoop Funding

Swoop Funding Swoop Funding is a UK-based online platform offering finance loans ranging from £1,000 up to £5 million, tailored to various UK SMEs. It provides a fast and flexible lending process with a broad network of lenders. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £5,000,000
• Min APR: 7.5%
• Max APR: 35%
• Loan Duration: 6–72 months⌛

Services & Industries

• Finance Types: Loans, Equity finance, Grants
• Industries: Various

Pros

• Comprehensive platform
• Flexible finance options

Cons

• High maximum APR

Sources: https://www.fundingagent.co.uk/post/top-franchise-finance-lenders-in-the-uk

3. Shawbrook Bank

Shawbrook Bank Shawbrook Bank offers tailored business loans with fixed interest rates and flexible terms, suitable for businesses seeking predictable funding options. It can support various growth strategies, including asset purchases or refinancing. Here's what to know:

Loan Details

• Min Amount: £25,000
• Max Amount: £150,000
• Min APR: 14.1%
• Max APR: 14.1%
• Loan Duration: 1–5 years⌛

Services & Industries

• Finance Types: Unsecured loans, Professions loans
• Industries: Various

Pros

• Fixed interest rate
• Flexible terms

Cons

• High APR

Sources: https://www.shawbrook.co.uk/business/business-lending/unsecured-business-loaning/

4. Smart Funding Solutions

Smart Funding Solutions Smart Funding Solutions offers quick access to a wide range of SME funding options via a large network of lenders, often enabling rapid approval and flexible repayment terms. It is suitable for companies needing fast funding. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Short-term loans
• Industries: SME

Pros

• Access to a large lender network

Cons

• Details on terms and amounts unclear

Sources: https://smartfundingsolutions.co.uk/

5. Funding Circle

Funding Circle Funding Circle is a financial technology company that connects small businesses with investors for loans. It offers quick decisions and flexible terms for those seeking working capital or growth funding. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £750,000
• Min APR: 6.9%
• Max APR: 0%
• Loan Duration: Varies⌛

Services & Industries

• Finance Types: Business loans
• Industries: Various

Pros

• Fast decisions
• Large loan amounts

Cons

• Specific APR range unclear

Sources: https://www.fundingcircle.com/uk/

6. NatWest

NatWest NatWest offers a range of business loans suitable for diverse UK businesses, including options for growth and working capital. It includes flexible repayment terms and competitive rates suitable for many sectors. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £100,000
• Min APR: 10%
• Max APR: 15%
• Loan Duration: 1–7 years⌛

Services & Industries

• Finance Types: Business loans
• Industries: Various

Pros

• Established bank
• Flexible terms

Cons

• Higher interest rates for larger loans

Sources: https://affiliate.nimblefins.co.uk/redirect?link=https%3A%2F%2Fwww.natwest.com%2Fbusiness%2Floans-and-finance%2Fsmall-business-loan.html

7. Start Up Loans

Start Up Loans A government-backed scheme providing loans to new and growing businesses. It offers mentoring and support as part of the funding package. It is often used for startup costs or working capital. Here's what to know:

Loan Details

• Min Amount: £500
• Max Amount: £25,000
• Min APR: 6%
• Max APR: 6%
• Loan Duration: 1–5 years⌛

Services & Industries

• Finance Types: Unsecured loans
• Industries: Startups

Pros

• Government-backed
• Includes mentoring

Cons

• Loan amounts limited

Sources: https://www.startuploans.co.uk/

8. British Business Bank

British Business Bank The British Business Bank offers a range of financing options including debt and equity schemes to support small businesses. It facilitates access to finance through various programmes aimed at growth and innovation. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £25,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Debt finance, Equity finance
• Industries: Small Business

Pros

• Supports diverse business needs

Cons

• Limited individual loan sizes

Sources: https://www.british-business-bank.co.uk/finance-options

9. Barclays

Barclays Barclays offers a range of business lending options including term loans, overdrafts, and asset-backed finance. It aims to support growth and working capital needs for UK businesses. It is suitable for those preferring a traditional banking relationship. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £100,000
• Min APR: 7%
• Max APR: 12.9%
• Loan Duration: 1–10 years⌛

Services & Industries

• Finance Types: Overdraft, Business loans
• Industries: Various

Pros

• Established reputation
• Wide range of finance products

Cons

• Interest rates may vary

Sources: https://www.nerdwallet.com/uk/business-loans/

10. Lloyds Bank

Lloyds Bank Lloyds Bank provides a range of business loans and credit facilities designed to support UK SMEs. It offers flexible repayment terms and a broad product suite suitable for various sectors. It serves businesses seeking reliable banking relationships. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 6%
• Max APR: 14%
• Loan Duration: 1–7 years⌛

Services & Industries

• Finance Types: Business loans, Overdraft
• Industries: Various

Pros

• Flexible repayment
• Large loan ceiling

Cons

• Higher interest for smaller loans

Sources: https://www.fundingagent.co.uk/post/best-lenders-for-e-commerce-businesses-uk

How to choose

Matching the right lender depends on your specific needs and circumstances. For quick access and lower amounts, brokered or online solutions like Funding Agent can be suitable. Larger funding needs or assets often require traditional bank loans or specialised services. Consider the loan purpose, repayment flexibility, costs, and security requirements. Comparing provider types helps ensure you pick the most appropriate option for your marketing agency. Carefully review all criteria before applying to avoid surprises and secure the best deal.

Conclusion

Choosing the right lender depends on your company's needs. Banks offer more structured products for established businesses. Brokers or online platforms like Funding Agent provide quick comparisons and access to multiple options. Sector specialists may suit niche needs. Always confirm current costs and terms with the lender; pricing may change.