March 26, 2026
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Best Long-Term Business Loan Lenders for the Beauty and Wellness Industry

Discover the best long-term business loan lenders tailored for the beauty and wellness sector. Find flexible funding options to help your business grow steadily.
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Best Long-Term Business Loan Lenders for the Beauty and Wellness Industry
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

Best Long-Term Business Loan Lenders for the Beauty and Wellness 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 2026-03-23.

1. Funding Agent

Funding Agent provides a platform to compare various business finance options rapidly. It is suited for UK SMEs seeking accessible financing with quick eligibility checks. The service offers straightforward applications and diverse repayment options with no fixed collateral requirements.

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. Union Business Finance

Union Business Finance acts as a commercial finance broker specialising in secured and unsecured lending. It targets UK SMEs and businesses looking for loans secured on property or assets. Their services include flexible terms, access to multiple lenders, and options tailored for larger funding requirements.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 7%
  • Max APR: 0%
  • Loan Duration: 1–72 months ⌛

Services & Industries

  • Finance Types: Secured Loan, Unsecured Loan
  • Industries: Beauty, Commercial

Pros

  • Competitive interest rates
  • Large loan amounts available

Cons

  • Collateral may be required for larger amounts

Sources: Source

3. Smart Funding Solutions

Smart Funding Solutions provides business loans with focus on the beauty and wellness industries. Their offerings suit SMEs seeking fast approval and brokered access to various lenders. They prioritise flexible underwriting and accessible terms tailored to sector-specific needs without strict collateral demands.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Short Term Loan, Unsecured Loan
  • Industries: Beauty, Wellness, Retail

Pros

  • Quick approval
  • Wide lender network

Cons

  • Limited maximum loan amount

Sources: Source

4. Millbrook Business Finance

Millbrook Business Finance specialises in asset and business loans tailored for the beauty sector. The provider is geared towards businesses valuing flexible and bespoke financing. They offer options with varied collateral requirements and adaptable repayment schedules.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 4%
  • Max APR: 14.9%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Business Loan
  • Industries: Beauty, Engineering, Manufacturing

Pros

  • Flexible terms
  • Specialized asset finance

Cons

  • Higher APR for smaller loans

Sources: Source

5. Century Business Finance

Century Business Finance delivers tailored financing solutions, emphasising quick approval and simple process. It tends to suit SMEs in need of working capital or large business loans, often with minimal collateral requirements. Their services cater for businesses seeking timely funding with straightforward terms.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Working Capital, Large Business Loan
  • Industries: Beauty, Larger Enterprises

Pros

  • Fast approval
  • High loan amounts

Cons

  • Interest rates not transparent

Sources: Source

6. Got Capital

Got Capital offers alternative funding through business cash advances with flexible repayment linked to revenue. It suits businesses seeking flexible funding without fixed interest or repayment schedules. Their models focus on convenience for growing beauty sector enterprises needing adaptable finance.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £300,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible based on business revenue ⌛

Services & Industries

  • Finance Types: Cash Advance, Revenue-based Financing
  • Industries: Beauty, Cosmetics, Retail

Pros

  • No fixed repayments
  • Quick funding

Cons

  • Factor fee can be costly

Sources: Source

7. Portman Finance Group

Portman Finance Group is a brokerage offering a range of secured and unsecured loans. It fits SMEs that need diverse funding options and competitive terms with flexible collateral. Decisions are typically made quickly, supporting varied industry needs including beauty and retail.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: 3–72 months ⌛

Services & Industries

  • Finance Types: Unsecured Loan, Secured Loan
  • Industries: Beauty, Retail, Manufacturing

Pros

  • Fast decisions
  • Flexible terms

Cons

  • Collateral may be required

Sources: Source

8. Fleximize

Fleximize provides flexible secured and unsecured loans aimed at SMEs. It is suitable for beauty businesses needing adaptable financing with varied repayment terms. Their approach includes no early repayment penalties and options tailored to business size and needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 22.8%
  • Max APR: 0%
  • Loan Duration: 3–36 months ⌛

Services & Industries

  • Finance Types: Secured Loan, Unsecured Loan
  • Industries: Beauty, Retail, Service

Pros

  • No early repayment fees
  • Flexible options

Cons

  • High minimum APR

Sources: Source

9. PMD Business Finance

PMD Business Finance focuses on financing solutions for aesthetic clinics and salons, supporting equipment funding with no upfront costs. Their loans provide longer repayment options and cater to businesses requiring specialised asset financing. This suits beauty sector SMEs needing tailored capital for growth and upgrades.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Asset Finance, Business Loan
  • Industries: Beauty, Aesthetics

Pros

  • Equipment financing
  • Longer repayment terms

Cons

  • Eligibility criteria can be strict

Sources: Source

10. Active Business Finance

Active Business Finance offers loans aimed at small to medium beauty industry businesses. Their focus is on fast financial support with flexible terms to accommodate business cash flow. The lender supports unsecured options and works with small enterprises requiring manageable repayment plans.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 6%
  • Max APR: 29.9%
  • Loan Duration: 12–60 months ⌛

Services & Industries

  • Finance Types: Small Business Loan, Unsecured Loan
  • Industries: Beauty, Small Enterprises

Pros

  • Flexible terms
  • Fast access

Cons

  • High maximum APR

Sources: Source

How to choose

When choosing the best long-term business loan for the beauty and wellness industry, consider your funding needs and repayment capacity carefully. Focus on loan size, APR, and term length to ensure manageable payments. Evaluate eligibility criteria and whether a provider requires collateral. Consider speed of approval and flexibility of repayment terms, especially if your business has seasonal income. Broker options may offer access to wider lenders, while specialist lenders often provide tailored products for this sector. Compare fees and terms thoroughly before applying.

Conclusion

Choosing between bank lenders, brokers, and specialist providers depends on your specific use case. Brokers generally offer access to multiple lenders for varied loan options. Specialist lenders cater to niche industries like beauty and wellness, often with tailored loan structures. Bank lenders may suit established businesses seeking secured funding. Funding Agent remains useful for quick comparisons, especially when seeking a 200 thousand pounds loan. Always match provider type with your financial needs and business profile for the best fit.

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FAQs

What are long-term business loans?
Why do beauty and wellness businesses need long-term loans?
Which lenders offer the best long-term loans for the beauty sector?
How can I improve my chances of getting a long-term loan?
What interest rates can I expect on long-term business loans?
Are there any government schemes supporting beauty and wellness businesses?

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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
2Union Business FinanceUnion Business Finance is a specialist commercial finance broker offering secured and unsecured loans up to £5m with competitive rates starting from 7%.£10,000–£5,000,000; 7%–0% APR; 1–72 months
3Smart Funding SolutionsSmart Funding Solutions offers a range of business loans tailored to the UK beauty and wellness sector, with fast approval and extensive lender network.£5,000–£500,000; 0%–0% APR; Unknown
4Millbrook Business FinanceMillbrook Business Finance provides bespoke financial solutions for the beauty industry, offering fast and flexible asset and business loans.£10,000–£750,000; 4%–14.9% APR; 6–60 months
5Century Business FinanceCentury Business Finance provides custom financing solutions to UK SMEs, focusing on straightforward applications and same-day approval for beauty businesses.£10,000–£5,000,000; 0%–0% APR; Unknown
6Got CapitalGot Capital offers alternative funding options like business cash advances to the beauty sector, emphasizing no fixed repayment schedule or interest rate.£2,000–£300,000; 0%–0% APR; Flexible based on business revenue
7Portman Finance GroupPortman Finance Group is a leading business finance broker, providing robust and diverse loan options for SMEs with quick decisions and competitive terms.£10,000–£2,000,000; 6.9%–0% APR; 3–72 months
8FleximizeFleximize is known for providing flexible financing solutions tailored to SMEs, with options for secured and unsecured loans for beauty businesses.£10,000–£500,000; 22.8%–0% APR; 3–36 months
9PMD Business FinancePMD Business Finance offers tailored finance for aesthetics clinics and salons, with no upfront costs for funding new equipment.£5,000–£5,000,000; 0%–0% APR; 12–60 months
10Active Business FinanceActive Business Finance specializes in loans for small to medium businesses in the beauty industry, ensuring rapid financial support with flexible terms.£5,000–£1,000,000; 6%–29.9% APR; 12–60 months
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