Best Business Loan Refinancing Providers for Legal and Compliance Firms 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 2025-10-09.

1. Funding Agent

Funding Agent Funding Agent provides tailored business loans for legal and compliance firms to fuel growth and enhance operations. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £500,000
• Min APR: 6.9%
• Max APR: 12.5%
• Loan Duration: 12-60 months⌛

Services & Industries

• Finance Types: Business Loan, Debt Consolidation
• Industries: Legal, Compliance

Pros

• Tailored solutions for legal firms
• Fast approval process

Cons

• Limited to UK-based firms

Sources: https://www.fundingagent.co.uk/financing-options/business-loans-for-legal-and-compliance-firms

2. Fleximize

Fleximize Fleximize offers award-winning, flexible funding solutions to SMEs across the UK with options to support growing businesses. It is popular among companies looking for quick access to working capital or asset finance. Here is what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 8.9%
• Max APR: 25%
• Loan Duration: 3-60 months⌛

Services & Industries

• Finance Types: Unsecured Loan
• Industries: SME

Pros

• Fast approval
• Flexible repayment options

Cons

• Higher APR for new customers

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

3. James Murray Finance

James Murray Finance James Murray Finance specialises in business loans and cashflow finance for UK companies. Its services are suitable for firms seeking quick access to flexible funding secured on assets or cashflow. Here is what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £100,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Business Loans, Cashflow Loans
• Industries: Various

Pros

• Experienced finance broker
• No broker fees

Cons

• Limited APR transparency

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

4. Rangewell

Rangewell Rangewell acts as a broker specialising in connecting businesses with extensive financing options, including loans and refinancing. It is suitable for companies seeking competitive rates and flexible terms. Here is what to know:

Loan Details

• Min Amount: £50,000
• Max Amount: £500,000
• Min APR: 4.9%
• Max APR: 19.9%
• Loan Duration: 6-60 months⌛

Services & Industries

• Finance Types: Business Loans, Term Loans
• Industries: Various

Pros

• Wide range of options
• Competitive rates

Cons

• Complex application process

Sources: https://rangewell.com/

5. Swoop Funding

Swoop Funding Swoop Funding offers a platform that connects businesses with tailored financial products. Its services include flexible loans and asset finance, suitable for companies seeking quick, adaptable funding. Here is what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £3,000,000
• Min APR: 6.9%
• Max APR: 20%
• Loan Duration: 1-60 months⌛

Services & Industries

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

Pros

• Comprehensive platform
• Tailored matching

Cons

• Complex user interface

Sources: https://swoopfunding.com/

6. Funding Circle

Funding Circle Funding Circle is a major online platform offering loans to SMEs for various needs, including purchase and refinance. It caters to businesses seeking reliable, sector-specific financing options. Here is what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £750,000
• Min APR: 6.9%
• Max APR: 15%
• Loan Duration: 6-72 months⌛

Services & Industries

• Finance Types: Term Loans
• Industries: SME

Pros

• Speedy approval
• No hidden fees

Cons

• Strict credit requirements

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

7. Approved Business Finance

Approved Business Finance Approved Business Finance delivers quick, flexible funding options often suitable for working capital, asset purchase, or growth. It focuses on sectors that require fast turnaround. Here is what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £750,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 3-60 months⌛

Services & Industries

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

Pros

• Flexible funding
• Quick processing

Cons

• Limited product range

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

8. LawFirmAmbition

LawFirmAmbition LawFirmAmbition offers advisory services tailored to legal firms that seek financing solutions for growth or operational projects. It is suitable for firms wanting sector-specific advice and planning assistance. Here is what to know:

Loan Details

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

Services & Industries

• Industries: Legal

Pros

• Industry-specific focus
• Expert advisory

Cons

• Limited loan services

Sources: https://lawfirmambition.co.uk/topics/finance-and-accounting/law-firm-financing-options

9. Remo Legal Funding

Remo Legal Funding Remo Legal Funding offers pre-settlement financing mainly for law firms seeking quick access to working capital or contingency funding. It is suitable for firms with ongoing cases requiring fast funds. Here is what to know:

Loan Details

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

Services & Industries

• Finance Types: Pre-Settlement Funding
• Industries: Legal

Pros

• Fast approval
• Flexible terms

Cons

• Limited to legal funding

Sources: https://www.remolitfin.com/blog/the-10-best-legal-funding-companies-in-2025

10. Sweeney Miller

Sweeney Miller Sweeney Miller provides refinancing services mainly for legal and commercial firms that need to optimise funding strategies quickly. It is suitable for those requiring flexible, tailored solutions for legal and business transactions. Here is what to know:

Loan Details

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

Services & Industries

• Finance Types: Refinancing
• Industries: Legal, Commercial

Pros

• Legal expertise
• Comprehensive services

Cons

• No direct lending

Sources: https://www.sweeneymiller.co.uk/service/commercial-refinancing-solicitors/

How to choose

Match loan size and APR to your budget, check eligibility, and balance speed against flexibility. Consider how repayments fit your franchise cash flow and seasonality. Review lender criteria, fees, and early repayment terms before applying. For legal and compliance firms, selecting the right provider depends on whether you prefer to work directly with a bank, use a broker, or seek specialist sector finance. Larger institutions may offer faster decisions but less tailored service. Brokers can help find flexible options for unique needs. Sector-specific providers may provide more specialised advice and solutions. Match your firm's growth stage and operational strategy to the lender type and product features.

Conclusion

Matching the provider type to your use case ensures your financing needs are met efficiently. Banks tend to offer straightforward repayable loans for predictable needs. Brokers can connect you with a wider range of options, including asset-backed and sector-specific solutions. Specialist providers like legal funding firms focus on legal sector needs. Always confirm current costs and terms with the lender; pricing may change. 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.