March 26, 2026
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Best Long-Term Business Loan Lenders for the Facilities Management Industry

Discover the best long-term business loan lenders tailored for the facilities management industry. Learn about loan options, benefits, and how to secure funding in the UK.
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Best Long-Term Business Loan Lenders for the Facilities Management Industry
Jesse Spence
Finance content writer / Market researcher

Jesse Spence is a Funding Research and Content Lead at Funding Agent with 4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business owners, not only, improve approval chances and choose the right type of finance but also find the right funding providers for their needs.

Best Long-Term Business Loan Lenders for the Facilities Management 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 focuses on providing SMEs with a fast and easy way to compare multiple business finance options through a simple application process. It is suitable for UK SMEs looking for unsecured loans with quick eligibility checks. The platform emphasises speed, no collateral requirement, and clear lending terms through brokered access to various lenders.

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. Fleximize

Fleximize specialises in flexible secured and unsecured loans tailored to the needs of SMEs. It is well suited to businesses requiring adaptable repayment plans and moderate to large financing amounts. Fleximize offers options with flexible terms and no early repayment penalties, providing practical loan solutions for facilities management and other sectors.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 0.9%
  • Max APR: 2.9%
  • Loan Duration: 12-60 months

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Various including Facilities Management

Pros

  • Flexible repayment schedules
  • No early repayment fees

Cons

  • Higher APR for unsecured loans

Sources: Source

3. Shawbrook Bank

Shawbrook Bank provides a variety of business lending products with an emphasis on flexibility and support for asset investments. It is typically used by SMEs aiming for growth in diverse sectors. Shawbrook’s offerings often require consideration of collateral and may suit longer-term borrowing needs with more structured repayment plans.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £0
  • Min APR: 14.1%
  • Max APR: 0%
  • Loan Duration: 36 months and above

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: Various including Facilities Management

Pros

  • Quick access to cash
  • No collateral required

Cons

  • Higher interest rates for unsecured options

Sources: Source

4. Nexgen

Nexgen operates as a broker offering access to a wide network of over 100 UK lenders, specialising in tailored loans for the facilities management sector. It focuses on speed and flexibility while providing varied loan terms and conditions. This makes it suitable for businesses looking for quick approval and a broad range of financing options.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varied

Services & Industries

  • Finance Types: Business Loans
  • Industries: Facilities Management

Pros

  • Quick approval
  • Wide lender network

Cons

  • Terms can vary widely

Sources: Source

5. Time Finance

Time Finance offers diverse funding options including asset finance and business loans tailored for UK businesses. It is appropriate for businesses seeking a broad selection of funding types and flexible repayment arrangements. The provider supports various industries including facilities management, with terms that flex to meet changing business needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 11.5%
  • Max APR: 14.9%
  • Loan Duration: Varied

Services & Industries

  • Finance Types: Asset Finance, Business Loans
  • Industries: Various including Facilities Management

Pros

  • Flexible terms
  • Diverse financing options

Cons

  • Interest rates may vary

Sources: Source

6. Lloyds Bank

Lloyds Bank delivers a variety of business banking products, including flexible loans capped at £50,000. It is well suited for SMEs requiring established financial services with structured lending options. The bank focuses on security and reliable repayment schedules, supporting business growth and productivity.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 6.9%
  • Max APR: 12.5%
  • Loan Duration: 6-72 months

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various including Facilities Management

Pros

  • Wide range of products
  • Established financial institution

Cons

  • Higher loan amounts require security

Sources: Source

7. MAF Finance Group

MAF Finance Group offers tailored loan solutions, including secured and unsecured lending, suitable for small to large businesses. It generally supports long-term finance with adaptable collateral requirements. This flexibility suits businesses needing customised terms across various industries.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 months to several years

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Various

Pros

  • Large loan amounts available
  • Tailored finance solutions

Cons

  • Some loans might require collateral

Sources: Source

8. White Oak UK

White Oak UK provides SME business finance designed for diverse needs including tax, VAT, and term loans. It typically suits businesses looking for medium to long-term financing with specialist products. Its offerings focus on structured repayments and options to support investment and development.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 7.5%
  • Max APR: 18.9%
  • Loan Duration: 12 months to 5 years

Services & Industries

  • Finance Types: Business Term Loans, Equipment Leasing
  • Industries: Various including Facilities Management

Pros

  • Specialist in SME finance
  • No early repayment fees

Cons

  • High APR for some products

Sources: Source

9. Money Supermarket

Money Supermarket is a comparison platform for a broad range of financial products including long-term business loans. It suits SMEs seeking to survey multiple lenders to find competitive rates and terms. The service offers a user-friendly way to compare options without direct lending.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varied

Services & Industries

  • Finance Types: Comparison Service
  • Industries: Various

Pros

  • Comprehensive comparison
  • User-friendly interface

Cons

  • Indirect lending platform

Sources: Source

10. Simply Business

Simply Business offers an extensive comparison service for business loans, helping SMEs access transparent lending options. It is suited for businesses wanting to understand the loan landscape with a focus on clarity and broad coverage. However, it primarily facilitates comparisons rather than direct lending.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 7.1%
  • Max APR: 0%
  • Loan Duration: 12 months to 10 years

Services & Industries

  • Finance Types: Comparison Service for Business Loans
  • Industries: Various

Pros

  • Transparent comparisons
  • Covers a wide range of loans

Cons

  • Limited direct financing options

Sources: Source

How to choose

When selecting the best long-term business loan lenders for facilities management, consider your required loan amount and repayment terms. Match APR and fees with your budget and business cash flow, paying particular attention to seasonal fluctuations common in this sector. Evaluate lender eligibility criteria to ensure your business qualifies. Balance the need for speed against flexibility and security conditions. Check for any early repayment fees and understand loan collateral requirements, which may differ for brokers, banks, or specialist lenders.

Conclusion

Choosing the right lender depends on your specific funding needs. Banks often provide structured products suited for secure loans with clear criteria, while brokers offer access to a wider lender network for greater flexibility. Specialist lenders may focus on niche sectors like facilities management with customised terms. Funding Agent is useful for quick comparisons across multiple options. Assess your loan size needs carefully, such as those around 200 thousand pounds loans, to find the best match for your business goals.

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FAQs

What is a long-term business loan?
Why do facilities management companies need long-term loans?
What are the best lenders for long-term business loans in the facilities management sector?
How can I improve my chances of getting a long-term business loan?
What are typical interest rates for long-term business loans in the UK?
Are there any government-backed loans available for facilities management 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
2FleximizeFleximize provides flexible financing options for SMEs, offering secured and unsecured loans with terms built around business needs.£10,000–£500,000; 0.9%–2.9% APR; 12-60 months
3Shawbrook BankShawbrook Bank offers a range of business lending products tailored to help UK SMEs achieve their growth ambitions, focusing on flexibility and supporting critical assets investments.£5,000–£0; 14.1%–0% APR; 36 months and above
4NexgenNexgen offers fast and flexible business finance solutions in partnership with over 100 UK lenders, providing tailored loans with quick approval for the facilities management sector.£0–£0; 0%–0% APR; Varied
5Time FinanceTime Finance provides comprehensive funding solutions for UK businesses, including asset finance and business loans.£1,000–£500,000; 11.5%–14.9% APR; Varied
6Lloyds BankLloyds Bank offers comprehensive business banking solutions including flexible loans up to £50,000 and financial products that encourage SME growth and productivity.£1,000–£50,000; 6.9%–12.5% APR; 6-72 months
7MAF Finance GroupMAF Finance Group provides tailored finance solutions including secured and unsecured loans to support various business needs from small to large enterprises.£10,000–£2,000,000; 0%–0% APR; 3 months to several years
8White Oak UKWhite Oak UK offers SME business finance with a range of solutions from loans for VAT or tax to business term loans for investments and development.£25,000–£2,000,000; 7.5%–18.9% APR; 12 months to 5 years
9Money SupermarketMoney Supermarket acts as a comparison service for various financial products including long-term business loans, helping businesses find competitive deals through different lenders.£0–£0; 0%–0% APR; Varied
10Simply BusinessSimply Business offers a multitude of resources and business loans comparisons aimed at helping SMEs secure appropriate financing with transparent loan specifics.£1,000–£25,000; 7.1%–0% APR; 12 months to 10 years