October 8, 2025
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Best Equity Finance Lenders for Marketing Agencies in the UK

Discover the best equity finance lenders for marketing agencies in the UK in 2025. Learn how to secure funding to grow your agency with trusted UK lenders.
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 2025-10-08.

1. Funding Agent

Funding Agent Funding Agent offers a fast, flexible online platform for small businesses. It is suited for marketing agencies needing short-term, unsecured funding with transparent terms. Here's what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 15%
  • Loan Duration: 1–60 months⌛

Services & Industries

  • Finance Types: Working Capital Loans, Equity Finance, Unsecured Loans
  • Industries: Marketing

Pros

  • Fast approval process
  • Flexible terms
  • No early repayment fees

Cons

  • Strict eligibility criteria

Sources: https://www.fundingagent.co.uk/post/best-business-loan-lenders-for-marketing-agencies-in-the-uk

2. Funding Circle

Funding Circle Funding Circle is a peer-to-peer platform connecting small firms with investors for growth. It offers quick decisioning and flexible terms. Suitable for businesses seeking strategic funding options. Here's what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 11%
  • Loan Duration: 6–60 months⌛

Services & Industries

  • Finance Types: Peer-to-Peer Loans, Term Loans
  • Industries: Various

Pros

  • Fast decision making
  • No early repayment charges

Cons

  • Higher rates for lower credit profiles

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

3. iwoca

iwoca Specialising in working-capital finance, iwoca provides flexible credit options often secured by assets or revenue streams. Suitable for SMEs requiring quick access to short-term funding with adaptable repayment plans. Here's what to know:

Loan Details

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

Services & Industries

  • Finance Types: Credit Facilities, Flexible Loans
  • Industries: Retail, Hospitality, Professional Services

Pros

  • Quick funding
  • No early repayment fees

Cons

  • Higher interest rates for lower credits

Sources: https://www.iwoca.co.uk/loan-categories/business-loan-interest-rates

4. Swoop Funding

Swoop Funding Swoop Funding offers a comprehensive platform for fast business funding options, including loans, equity, and grants. It is suited for firms seeking rapid, straightforward funding routes. Here's what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £5,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: 1–24 months⌛

Services & Industries

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

Pros

  • Large funding amounts
  • Free consultation

Cons

  • Complex comparison process

Sources: https://swoopfunding.com/uk/business-loans/marketing-loans/

5. Fleximize

Fleximize Fleximize specialises in flexible short-term and revolving credit facilities for small and medium-sized enterprises. It offers customised repayment options that can adapt to fluctuating cash flows. Suitable for firms needing rapid access to working capital. Here's what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 10.2%
  • Max APR: 25%
  • Loan Duration: 1–48 months⌛

Services & Industries

  • Finance Types: Unsecured Loans, Revolving Credit
  • Industries: Marketing, Hospitality

Pros

  • Flexible terms
  • Loyalty rewards

Cons

  • High-interest rates for new clients

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

6. Shawbrook Bank

Shawbrook Bank Shawbrook Bank provides specialised SME lending, including fixed-rate loans and asset finance. It is suitable for businesses seeking predictable repayments and customisable financing structures. 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: 12–60 months⌛

Services & Industries

  • Finance Types: Fixed Rate Loans, Asset Finance
  • Industries: Various

Pros

  • No hidden fees
  • Fixed rates

Cons

  • Higher threshold for loan amounts

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

7. Smart Funding

Smart Funding Smart Funding offers short-term financial products suitable for businesses needing fast access. It provides options like unsecured and short-term loans, with flexible repayment. Here's what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 7%
  • Max APR: 20%
  • Loan Duration: 1–24 months⌛

Services & Industries

  • Finance Types: Short-term Loans, Unsecured Loans
  • Industries: Various

Pros

  • Quick funding approval
  • Customizable repayment periods

Cons

  • Higher interest rates compared to traditional banks

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

8. Clifton Private Finance

Clifton Private Finance Specialising in bespoke funding solutions, Clifton offers tailored financial options for property, corporate investments, and growth projects. It is suitable for businesses seeking flexible, secured funding structures with potentially longer terms. Here's what to know:

Loan Details

  • Min Amount: £50,000
  • Max Amount: £5,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 12–360 months⌛

Services & Industries

  • Finance Types: Secured Loans, Business Mortgages
  • Industries: Property, Construction

Pros

  • Low-interest rates
  • High loan amounts

Cons

  • Longer processing times

Sources: https://www.cliftonpf.co.uk/business-loans/

9. Nucleus Commercial Finance

Nucleus Commercial Finance Nucleus offers a range of flexible funding for businesses, including secured and unsecured options. It is suitable for SMEs needing growth capital or asset-backed finance. Here’s what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 5%
  • Max APR: 18%
  • Loan Duration: 6–60 months⌛

Services & Industries

  • Finance Types: Unsecured Loans, Asset-based Finance
  • Industries: Various

Pros

  • Competitive rates
  • Wide range of products

Cons

  • Case-by-case pricing

Sources: https://www.nucleuscommercialfinance.com/

10. Lending Crowd

Lending Crowd LendingCrowd is a P2P platform offering affordable loans with fast funding. It is ideal for SMEs seeking streamlined access to growth capital. Here is what to know:

Loan Details

  • Min Amount: £75,000
  • Max Amount: £500,000
  • Min APR: 6.95%
  • Max APR: 12.25%
  • Loan Duration: 6–60 months⌛

Services & Industries

  • Finance Types: Peer-to-Peer Loans
  • Industries: Various

Pros

  • Personalized service
  • No hidden fees

Cons

  • Limited loan products

Sources: https://www.equitygap.co.uk/portfolio-item/lending-crowd/

How to choose

When selecting an equity finance provider, consider the purpose of the funding and the associated requirements. Bank lenders often provide higher loan amounts with lower interest rates but may have stricter eligibility. Brokers or specialist lenders can offer tailored solutions and quicker decisioning for asset-backed or growth-focused needs. Matching the provider type to your use case will help secure the best terms. Review fees, repayment options, and application processes before proceeding.

Conclusion

Matching the right provider to your funding needs is essential. Bank lenders are suitable for larger, secured loans. Brokers can connect you to lenders with flexible terms. Specialist providers focus on sector-specific or fast funding options. 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.

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