October 9, 2025
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Best Business Loan Refinancing Options for Recruitment Agencies in the UK

Explore the best business loan refinancing options tailored for recruitment agencies in 2025. Learn how to reduce costs and improve cash flow with smart refinancing strategies.
Jesse Spence
Finance content writer / Market researcher

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 2025-10-09.

1. Funding Agent

Funding Agent specializes in business loans with a focus on AI-powered solutions for UK SMEs. It provides quick, flexible options for small and medium-sized enterprises seeking predictable repayment terms. Here's what to know:

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: AI-powered solutions, SME loans
  • Industries: SME

Pros

  • AI-powered solutions
  • Wide range of loan amounts

Cons

  • Limited loan duration

Sources: https://www.fundingagent.co.uk/post/top-equity-finance-lenders-for-recruitment-agencies-uk

2. Swoop Funding

Swoop Funding offers franchise finance and working capital solutions, with speed and flexibility aimed at UK businesses. It caters to those seeking brokered access to tailored financing for franchise or business needs. 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: Franchise finance, Business loans
  • Industries: Franchise businesses

Pros

  • Tailored finance
  • Online platform

Cons

  • High maximum APR

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

3. Fleximize

Fleximize offers flexible funding solutions with quick approvals for UK SMEs. It provides flexible repayment options suitable for diverse business needs, often with minimal collateral required, making it suitable for growth and cash flow support. Here's what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 8.9%
  • Max APR: 25%
  • Loan Duration: 0–60 months⌛

Services & Industries

  • Finance Types: Flexiloan, Flexiloan Lite
  • Industries: SME

Pros

  • Flexible funding
  • Loyalty Pledge offers lower rate

Cons

  • Higher APR for new clients

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

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4. QUBA Solutions

QUBA Solutions offers financing and technology services aimed at startups and small businesses. It is suitable for those seeking innovative funding options, often with quick approval processes and flexible terms for early-stage companies. 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: Invoice factoring, Tech services
  • Industries: Recruitment

Pros

  • Focus on startups
  • Innovative solutions

Cons

  • APR details not available

Sources: https://www.fundingagent.co.uk/post/top-invoice-financing-options-for-recruitment-agencies

5. Sonovate

Sonovate Sonovate provides flexible invoice financing solutions designed for recruitment agencies that want quick access to funding. It often offers funding based on invoice value and allows advance payments with speed and flexibility. Here's what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 5.9%
  • Max APR: 19.9%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Invoice financing
  • Industries: Recruitment

Pros

  • Tech-driven solutions
  • Full invoice value advancement

Cons

  • Limited maximum loan amount

Sources: https://www.fundingagent.co.uk/post/top-invoice-financing-options-for-recruitment-agencies

6. Funding Options

Funding Options facilitates access to multiple lenders for UK businesses, offering quick comparison and selection. It is suitable for those seeking brokered, quick, and flexible funding solutions across various sectors. Here's what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £20,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Business loans, Comparative platform
  • Industries: Various

Pros

  • Wide range of lenders
  • Fast application process

Cons

  • Wide APR range

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

7. Simplicity

Simplicity provides innovative finance and payroll services for UK recruitment agencies. It offers quick access and tailored solutions to support business growth and operational needs. 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: Payroll financing, Recruitment financing
  • Industries: Recruitment

Pros

  • Innovative solutions
  • Specialized services

Con

  • Lack of detailed APR information

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

8. Bibby Financial Services

Bibby Financial Services offers invoice finance solutions for UK businesses of various sizes. It supports cash flow with flexible funding options often secured on receivables and credits. Here's what to know:

Loan Details

  • Min Amount: £2,000
  • Max Amount: £500,000
  • Min APR: 7%
  • Max APR: 29%
  • Loan Duration: 12-24 months⌛

Services & Industries

  • Finance Types: Invoice finance, Overdraft replacement
  • Industries: Various

Pros

  • Specialist in invoice finance
  • Wide industry focus

Cons

  • Higher APR cap

Sources: http://www.bibbyfinancialservices.co.uk/

9. Capalona

Capalona provides a wide range of business loans for UK SMEs. It offers options from small to large, often tailored for specific project or operational finance. Here's what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000,000
  • Min APR: 6%
  • Max APR: 20%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Business loans, Comparative platform
  • Industries: Various

Pros

  • Comprehensive range
  • User-friendly platform

Cons

  • Broad APR range

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

How to choose

When selecting a provider for business loan refinancing, consider your specific needs. Review loan size, APR, repayment flexibility, and eligibility requirements. Broker-backed options can offer access to multiple lenders quickly. For tailored solutions, direct banks or specialists may provide more predictable terms. Always compare fees and repayment conditions to match your funding to your recruitment agency's cash flow and growth plans.

Conclusion

Matching the right provider depends on your funding purpose. Bank lenders often suit those seeking larger amounts and secure financing. Brokers can help access multiple options quickly, while specialists might focus on niche needs. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Other providers suit larger amounts, asset-backed needs, or sector specialisms. Always confirm current costs and terms with the lender; pricing may change.

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FAQ’S

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