March 17, 2026
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Best Business Loan Refinancing Lenders for the Accountancy Industry

Discover the best business loan refinancing options for accountancy practices in the UK. Find lenders offering competitive rates and flexible terms tailored to the accountancy industry.
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Best Business Loan Refinancing Lenders for the Accountancy Industry
Jesse Spence
Finance content writer / Market researcher

4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business ownersb improve approval chances and choose the right type of finance

Best Business Loan Refinancing Lenders for the Accountancy Industry

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 2026-03-16.

1. Funding Agent

Funding Agent focuses on facilitating fast comparisons of business finance options for UK SMEs through a straightforward application process. It is typically suitable for SMEs looking for clear loan choices with predictable terms without the need for collateral. The platform offers quick eligibility matching and supports flexible repayment options to suit various business 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

Sources: Funding Agent

2. Barclays

Barclays provides a broad range of business loan products within the UK banking sector. It suits franchise buyers and SMEs seeking bank-backed loans with varied terms and potential security requirements. Barclays typically offers flexibility in repayment types and generally requires creditworthiness checks aligned with bank lending practices.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: Variable terms

Services & Industries

  • Finance Types: Business Loans, Credit Lines
  • Industries: General SME

Pros

  • Wide accessibility
  • Global presence

Cons

  • Higher minimum loan amount

Sources: Source

3. Funding Circle

Funding Circle operates as a peer-to-peer lending platform offering business loans with rapid decision times. It suits SMEs requiring affordable finance that can accommodate shorter or longer loan durations. The provider typically offers term loans with flexible credit structures to support diverse business needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: Short to longer terms

Services & Industries

  • Finance Types: Term Loans, Flexi Credit
  • Industries: Multiple SMEs

Pros

  • Fast decision-making
  • Affordable finance

Cons

  • Higher starting loan amount

Sources: Source

4. Fleximize

Fleximize offers business loans with an emphasis on flexible and tailored solutions, suitable for a variety of UK SMEs. It fits businesses needing adaptable loan structures and terms that can be customised to industry specifics. Fleximize can provide unsecured or secured lending options with consideration for borrower requirements.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: Retail, Services

Pros

  • Tailored solutions
  • Industry-specific lending

Cons

  • Variable APR ranges

Sources: Source

5. Smart Funding Solutions

Smart Funding Solutions acts as a broker offering access to a broad panel of over 300 lenders in the UK. It is suitable for SMEs seeking a wide range of business financing options with quick indicative terms. However, details on actual APRs and repayment options may require further enquiry due to variable lender product offerings.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Professional Loans, Unsecured Loans
  • Industries: Multiple Industries

Pros

  • Wide lender panel
  • Quick indicative terms

Cons

  • APR details not transparent

Sources: Source

6. Millbrook Business Finance

Millbrook Business Finance specialises in customised loans for professional services, including accountancy firms. It suits businesses in need of tailored finance with flexible terms, often without requiring extensive security. This provider offers loans with repayment options shaped to professional sector needs and credit profiles.

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 Loans, Professional Services Loans
  • Industries: Professional Services, Accountancy

Pros

  • Specialized sector loans
  • Flexible terms

Cons

  • Higher maximum APR

Sources: Source

7. Performance Finance

Performance Finance offers finance tailored to professionals and medical sectors, often including lease and hire purchase products. It suits businesses looking for specialised lending with flexible repayment plans. Specific lending criteria and terms may be less transparent, requiring direct consultation for details.

Loan Details

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

Services & Industries

  • Finance Types: Lease, Hire Purchase, Business Loans
  • Industries: Medical, Professional Services

Pros

  • Tailored for professional sectors
  • Flexible repayment

Cons

  • Limited information on APR

Sources: Source

8. Rangewell

Rangewell provides a comparison service that covers diverse business finance products across industries. It is suitable for SMEs looking for informed lending options with tailored advice. Rangewell offers insight into asset finance and commercial loans with flexible loan durations and APR ranges.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 6%
  • Max APR: 12%
  • Loan Duration: 1–7 years

Services & Industries

  • Finance Types: Asset Finance, Commercial Loans
  • Industries: Various Industries

Pros

  • Comprehensive comparison
  • Tailored advice

Cons

  • Complex product landscape

Sources: Source

9. NatWest

NatWest is a major UK bank providing both small and large business loans with competitive rates and flexible lending terms. It suits SMEs requiring fixed or variable rate loans with consideration for creditworthiness and business sector. NatWest lends across general businesses with various repayment options, often requiring security.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 8%
  • Max APR: 13%
  • Loan Duration: 1–7 years

Services & Industries

  • Finance Types: Fixed Rate Loans, Variable Rate Loans
  • Industries: General Businesses

Pros

  • Reputable bank
  • Flexible funding options

Cons

  • Strict eligibility criteria

Sources: Source

10. Apex Loans

Apex Loans operates as a commercial finance brokerage that provides specialised funding solutions across multiple business sectors. It suits SMEs seeking broad industry coverage through a diverse set of loan products. Apex Loans offers access to different types of finance with an emphasis on tailored solutions rather than standardised loan terms.

Loan Details

  • Min Amount: £0
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business Loans, Asset Finance, Bridging Loans
  • Industries: Retail, Construction, General Businesses

Pros

  • Broad industry coverage
  • Specialized sector finance

Cons

  • Limited loan types

Sources: Source

How to choose

When selecting the best business loan refinancing lender for the accountancy industry, consider your loan amount needs and the type of refinancing required. Evaluate APR ranges and repayment flexibility to match your franchise’s cash flow. Check provider eligibility criteria carefully, including any collateral or security requirements. Speed of funding and application simplicity can be vital for time-sensitive refinancing. It’s important to balance lender flexibility with cost, reviewing fees and early repayment conditions before deciding.

Conclusion

Different lender types align with different business needs. Banks like Barclays and NatWest typically suit borrowers needing established providers with clear credit requirements. Brokers such as Smart Funding Solutions and Apex Loans offer access to varied lenders and potentially faster options. Specialists like Millbrook Business Finance focus on sector-specific needs, ideal for accountancy firms. Funding Agent remains a practical choice for those seeking quick comparisons across multiple refinancing options. Always match the lender’s offering to your refinancing goal for best results.

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FAQs

What is business loan refinancing?
Why should accountancy firms consider loan refinancing?
How do I find the best lenders for refinancing my accountancy business loan?
Are there lenders who focus specifically on the accountancy industry?
What factors affect my eligibility for loan refinancing?
Can refinancing a business loan affect my credit score?

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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
2BarclaysBarclays is a major global financial services provider with a strong presence in the UK, offering a wide range of business loan products.£1,000–£10,000; 11.2%–14.9% APR; Variable terms
3Funding CircleFunding Circle is a leading UK platform providing fast and affordable finance to small businesses, with loan decisions made quickly.£10,000–£750,000; 6.9%–0% APR; Short to longer terms
4FleximizeFleximize is an award-winning lender offering flexible, tailored loan solutions to small businesses across various industries in the UK.£10,000–£500,000; 4%–20% APR; 3–60 months
5Smart Funding SolutionsSmart Funding Solutions provides a broad spectrum of business financing solutions with access to over 300 lenders in the UK market.£5,000–£250,000; 0%–0% APR; Unknown
6Millbrook Business FinanceMillbrook Business Finance specializes in tailor-made business loan solutions for the professional services sector, including accountancy.£10,000–£1,000,000; 4%–20% APR; 3–60 months
7Performance FinancePerformance Finance offers tailored finance solutions specifically designed for professionals and medical sectors in the UK.£0–£0; 0%–0% APR; Unknown
8RangewellRangewell provides a comprehensive comparison service for business finance, offering insights into funding for various industries.£5,000–£500,000; 6%–12% APR; 1–7 years
9NatWestNatWest is a major UK bank offering both small and large business loans with competitive rates and flexible lending options.£1,000–£500,000; 8%–13% APR; 1–7 years
10Apex LoansApex Loans operates as a commercial finance brokerage offering specialized funding solutions across diverse industries in the UK.£0–£1,000,000; 0%–0% APR; Unknown