Best Long-Term Business Loan Lenders for the Cleaning Services 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.
Funding Agent focuses on brokering unsecured business loans and merchant cash advances. It is typically suitable for UK SMEs including franchises that require fast eligibility matching and a streamlined application process. The platform offers a broad range of options with varied repayment types and collateral requirements dependent on lender criteria.
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
OnDeck offers unsecured small business loans with fast processing times and tailored APRs. It is appropriate for cleaning service providers and other UK SMEs looking for flexible loan options. OnDeck balances speed with tailored financing, typically without requiring collateral.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 8%
- Max APR: 24%
- Loan Duration: 3-36 months ⌛
Services & Industries
- Finance Types: Small Business Loans
- Industries: Various including Cleaning
Pros
- Fast approvals
- Tailored financing solutions
Cons
- Higher APR than traditional banks
National Funding focuses on flexible unsecured business loans with a straightforward application process. It suits UK SMEs, including cleaning industry businesses, requiring adaptable financing solutions. The provider generally offers speed and simplicity without demanding specific collateral types.
Loan Details
- Min Amount: £0
- Max Amount: £250,000
- Min APR: 6%
- Max APR: 12%
- Loan Duration: 6-60 months ⌛
Services & Industries
- Finance Types: Unsecured Business Loans
- Industries: Various
Pros
- Quick funding
- Easy application process
Cons
- Higher fees for lower credit
Live Oak Bank delivers sector-focused business loans primarily for larger financing needs starting from one million pounds. It fits UK SMEs requiring substantial funding with flexible, longer-term repayment plans. Collateral requirements and loan-to-value vary by sector and loan purpose.
Loan Details
- Min Amount: £1,000,000
- Max Amount: £0
- Min APR: 5%
- Max APR: 0%
- Loan Duration: 12-120 months ⌛
Services & Industries
- Finance Types: Sector-Focused Loans
- Industries: Various sectors
Pros
- Specializes in large loans
- Flexible terms
GreenBox Capital provides merchant cash advances and custom financing solutions aimed at the cleaning industry. It is suitable for UK SMEs looking for flexible terms tailored to industry-specific cash flow cycles. Collateral and repayment options vary, allowing adaptable finance structures.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 6%
- Max APR: 20%
- Loan Duration: 6-60 months ⌛
Services & Industries
- Finance Types: Merchant Cash Advances
- Industries: Cleaning Services
Pros
- Flexible terms
- Suitable for various needs
Cons
- Higher APR for riskier profiles
Lloyds Bank offers a variety of fixed and variable rate business loans suited to different financing needs. It typically serves UK SMEs including cleaning businesses that seek reputable banking relationships with options for no early repayment fees. Eligibility and loan terms depend on credit profile and business characteristics.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 6.9%
- Max APR: 11.2%
- Loan Duration: 12-60 months ⌛
Services & Industries
- Finance Types: Fixed Rate Loans, Variable Rate Loans
- Industries: Various
Pros
- Reliable banking
- No early repayment fees
Cons
- Strict eligibility criteria
Barclays provides extensive business loan products including fixed and variable rate options. It suits UK SMEs who want flexible repayment terms and access to a wide range of financing aligned with business growth. Loan approval may require detailed eligibility checks.
Loan Details
- Min Amount: £1,000
- Max Amount: £10,000
- Min APR: 11.2%
- Max APR: 14.9%
- Loan Duration: 12-60 months ⌛
Services & Industries
- Finance Types: Business Loans, Business Mortgages
- Industries: Various
Pros
- Wide range of loan products
- Flexible terms
Cons
- Higher rates for smaller loans
HSBC offers small business loans with fixed rates and tailored products aimed at growth-oriented businesses. It fits UK SMEs needing flexible amounts and longer repayment options. Eligibility depends on business and credit profile, with a focus on reliable, long-term support.
Loan Details
- Min Amount: £1,000
- Max Amount: £25,000
- Min APR: 5.7%
- Max APR: 10%
- Loan Duration: 12-120 months ⌛
Services & Industries
- Finance Types: Small Business Loans
- Industries: Various
Pros
- Flexible loan amounts
- Long-term support
9. Santander
Santander provides fixed and variable rate business loans with flexible repayments suitable for diverse SME needs. It commonly serves UK SMEs including those in cleaning, with some offers limited to bank customers. Speed and eligibility depend on individual circumstances.
Loan Details
- Min Amount: £2,000
- Max Amount: £25,000
- Min APR: 7.9%
- Max APR: 23.7%
- Loan Duration: 12-60 months ⌛
Services & Industries
- Finance Types: Fixed Rate Loans, Variable Rate Loans
- Industries: Various
Pros
- No interest for first 12 months
- No arrangement fees
Cons
- Limited to Santander customers
Capalona brokers a diverse set of loan options including peer-to-peer lending and business loans for the cleaning sector. It targets UK SMEs looking for competitive rates and flexible terms through multiple lenders. Loan suitability varies with lender requirements and availability.
Loan Details
- Min Amount: £500
- Max Amount: £250,000
- Min APR: 4.8%
- Max APR: 20%
- Loan Duration: 3-120 months ⌛
Services & Industries
- Finance Types: Business Loans, Peer-to-Peer Lending
- Industries: Cleaning Services
Pros
- Wide range of options
- Competitive rates
Cons
- Dependent on lender availability
How to choose
When choosing a long-term business loan lender for the cleaning services industry, consider the loan amount and how the APR fits your budget. Evaluate eligibility requirements carefully, as some lenders specialise in certain credit profiles or business types. Speed of approval may be important for operational cash flow, but balance this with the flexibility of repayment terms. Also consider collateral requirements and how they affect your risk and loan structure. Reviewing fees and early repayment penalties will help you avoid unexpected costs. Ideally, select a lender that matches your franchise’s unique cash flow and business cycle.
Conclusion
Matching the right lender depends on use case: bank lenders generally offer stable rates and longer terms suitable for established businesses, brokers provide access to multiple options including specialist loans, and niche providers focus on specific industries or loan types. Funding Agent is a solid platform for SMEs wanting to compare multiple financing options efficiently. For cleaning service franchises seeking a 200 thousand pounds loan or more, it is important to consider loan size, flexibility, and cost. Always check up-to-date terms directly with the lender before committing.
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