The Best Lenders for Supply Chain businesses in the UK
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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 2025-10-02.
1. Funding Agent
Funding Agent Funding Agent offers quick, simple unsecured business loans from £1,000 to £500,000, with a swift online application and approvals in as little as 24 hours. 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: 0%
- Max APR: 0%
- Loan Duration: Unknown⌛
Services & Industries
- Finance Types: Unsecured Business Loans
- Industries: General Business
Pros
- Fast approval
- Simple application
Cons
- Limited to unsecured loans
Sources: https://www.fundingagent.co.uk/post/top-unsecured-business-loans-for-uk-smes
2. Societe Generale
Societe Generale This institution provides corporate and investment banking services, with some options for supply chain financing. It generally serves larger businesses or firms seeking tailored solutions. It is suitable for those needing strategic financial services with broader reach. 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: Corporate Banking, Investment Banking
- Industries: Corporate, Investment
Pros
- Comprehensive services
- Global reach
Cons
- Complex service offerings
Sources: https://www.societegenerale.co.uk/en/
3. iwoca
iwoca This provider offers flexible business loans catering to small and medium-sized enterprises. It features quick approval processes and adjustable repayment options. Suitable for businesses needing working capital without stringent collateral requirements. 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: Business Loans
- Industries: General Business
Pros
- Flexible repayment terms
- Quick approval
Cons
- Higher APR for shorter terms
Sources: https://www.iwoca.co.uk/
4. Swoop Funding
Swoop Funding This platform offers various funding options, including supply chain finance and business loans. It mainly serves UK SMEs seeking flexible funding with broad loan amount ranges. Suitable for those looking for quick access to finance solutions. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £5,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 day to 5 years⌛
Services & Industries
- Finance Types: Supply Chain Finance, Business Loans
- Industries: SMEs
Pros
- Wide range of loan amounts
- Tailored services
Cons
- APR details unspecified
Sources: https://swoopfunding.com/uk/business-loans/supply-chain-finance/
5. Lloyds Bank
Lloyds Bank Provides business loans primarily for working capital or growth, with options for fixed or variable rates. It is suitable for businesses that want straightforward terms and a reputable lender. Suitable for those needing manageable lending options. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 11.2%
- Max APR: 11.2%
- Loan Duration: Unknown⌛
Services & Industries
- Finance Types: Business Loans
- Industries: General Business
Pros
- Fixed APR
- Reputable bank
Cons
- Loan amount cap
Sources: https://lloydstsb.co.uk/business/business-loans.html
6. Alternative Business Funding
Alternative Business Funding Offers a range of funding products including supply chain finance and working capital finance. It functions as a broker and provider. Suitable for businesses seeking access to diverse funding sources and flexible options. 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: Supply Chain Finance, Cash Flow Finance
- Industries: Various Industries
Pros
- Wide range of funding products
- Specialist in supply chain finance
Cons
- Not a direct lender
7. Trade Finance Global
Trade Finance Global Provides insights and solutions in supply chain finance and trade finance, with a broad network of funders. It serves businesses looking for strategic financial solutions in international trade. Suitable for firms needing expert guidance and varied services. 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: Supply Chain Finance, Trade Finance
- Industries: Trade, Supply Chain
Pros
- Expert insight
- Large network of funders
Cons
- Service details vary by partner
Sources: https://www.tradefinanceglobal.com/supply-chain-finance/
8. British Business Bank
British Business Bank The bank provides financial support options, including specialised programmes for supply chain finance. It partners with a variety of lenders and supports smaller firms in accessing funds. Suitable for those seeking structured, accessible finance options. 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: Supply Chain Finance
- Industries: General Business
Pros
- Government-backed
- Range of financial supports
Cons
- Limited direct services
9. Touch Financial
Touch Financial This broker offers invoice finance and supply chain solutions, focusing on cash flow and access to working capital. It connects businesses with suitable lenders or providers. It is appropriate for firms seeking flexible, brokered financing options. 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: Supply Chain Finance, Invoice Finance
- Industries: Various
Pros
- Largest in invoice finance brokering
- Cash flow optimisation
Cons
- Brokering, not direct lending
Sources: https://www.touchfinancial.co.uk/finance-options/working-capital-finance/supply-chain-finance/
10. Navigate Commercial Finance
Navigate Commercial Finance This provider offers tailored supply chain finance options that help UK firms manage supply chain risks. It partners with a range of lenders to deliver flexible funding solutions suitable for various business sizes. It is ideal for companies seeking specialised financial support in supply chain management. 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: Supply Chain Finance
- Industries: Supply Chain
Pros
- Specialised solutions
- Focus on supply chain optimisation
Cons
- APR and loan details unspecified
Sources: https://www.navigatecf.com/supply-chain-finance/
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 supply chain businesses in 2025, aim to select a lender whose offerings align with your operational needs and growth plans. Evaluate whether a bank, broker, or specialist provider best suits your funding strategy. Practical comparison can help you find the most suitable and efficient option for your requirements.
Conclusion
Matching the right provider depends on your funding needs. Bank-based lenders offer straightforward terms for larger or secured loans. Brokers provide access to a variety of finance products, often with quicker decisions. Specialist providers focus on supply chain finance tailored to industry specifics. 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.
