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

Discover the best long-term business loan lenders tailored for the wholesale industry in the UK. Learn about loan options, eligibility, and how to secure funding to grow your wholesale business.
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Best Long-Term Business Loan Lenders for the Wholesale Industry
James Laden
Co-founder and CEO

James Laden is the Co-founder and CEO of Funding Agent. He has 8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey. He writes about business lending, alternative finance, and what lenders look for when assessing applications.

Best Long-Term Business Loan Lenders for the Wholesale 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 helping UK SMEs quickly compare a range of business finance products through a simple and fast application process. It suits businesses seeking clarity on options without the need for collateral, offering predictable terms. Funding Agent provides access to various loans with flexible repayment types and an emphasis on speed and ease.

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. Novuna

Novuna provides flexible financial solutions targeting cash flow management and business growth across several industries. It is suited to UK SMEs looking for adaptable loan offerings with a focus on managing repayments over medium terms. Novuna offers options with varying levels of collateral and loan flexibility to fit different business needs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 6.7%
  • Max APR: 0%
  • Loan Duration: 2-7 years ⌛

Services & Industries

  • Finance Types: Debt Financing
  • Industries: Retail, Construction

Pros

  • Fast decisions
  • No hidden fees

Cons

  • APR rates vary significantly

Sources: Source

3. Millbrook

Millbrook specialises in a broad array of financing options including business loans and asset finance, catering mainly to UK SMEs requiring capital with flexible terms. It is suitable for businesses focusing on tailored repayment plans and diverse funding needs. Millbrook provides brokered access to lenders offering varied collateral and loan structures.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 4.9%
  • Max APR: 14.9%
  • Loan Duration: 6–60 months ⌛

Services & Industries

  • Finance Types: Business Loans, Asset Finance
  • Industries: Healthcare, Wholesale

Pros

  • Flexible financing options
  • Experienced broker

Cons

  • Terms dependent on lender approval

Sources: Source

4. SME Loans

SME Loans focuses on delivering accessible financing solutions designed for small and medium enterprises with quick approval processes. It fits businesses that require flexible lending amounts tailored to their operational needs without stringent collateral demands. SME Loans offers various repayment methods suited to various business models and sectors.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 6%
  • Max APR: 0%
  • Loan Duration: Varies ⌛

Services & Industries

  • Finance Types: Business Loans, Cash Flow Loans
  • Industries: E-commerce, Hotels

Pros

  • Quick approval
  • Wide range of loan products

Cons

  • Higher rates for lower amounts

Sources: Source

5. Capify

Capify specialises in small business loans and merchant cash advances, focusing on rapid funding and flexible repayment plans. It is well suited to UK SMEs that prioritise speed and repayment flexibility over traditional security requirements. Capify's services cater to various business structures with a focus on accessible capital.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 67.89%
  • Max APR: 0%
  • Loan Duration: 3-12 months ⌛

Services & Industries

  • Finance Types: Merchant Cash Advance, Small Business Loans
  • Industries: UK Limited Companies

Pros

  • Quick funding
  • Easy application process

Cons

  • High APR

Sources: Source

6. Fleximize

Fleximize provides adaptable business loans including both unsecured and secured options tailored for SMEs across various sectors. It suits borrowers who require flexible terms and customised repayment schedules. Fleximize emphasises swift decisions with an option for personalised loan structuring.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 1.9%
  • Max APR: 3.9%
  • Loan Duration: Flexibly tailored ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: Retail, Services

Pros

  • No early repayment fees
  • High customer ratings

Cons

  • Requires personal guarantee

Sources: Source

7. Aurora Capital

Aurora Capital offers competitive loans both secured and unsecured, designed to support UK businesses in growth and cash flow management. It suits businesses needing larger loan amounts and tailored terms with potential security. Aurora Capital emphasises competitive rates and longer loan durations for flexibility.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 12%
  • Loan Duration: Up to 15 years ⌛

Services & Industries

  • Finance Types: Business Loans, Secured Loans
  • Industries: Healthcare, E-commerce

Pros

  • Competitive rates
  • High loan amounts

Cons

  • Origination fees may apply

Sources: Source

8. Nucleus Commercial Finance

Nucleus Commercial Finance delivers bespoke funding solutions for SMEs using technology to speed up processes and offer flexibility. It is targeted at businesses requiring tailored loan terms and adaptable finance structures. Nucleus focuses on unsecured and cash flow financing suited to varied industries.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 7.5%
  • Max APR: 19.9%
  • Loan Duration: 3–36 months ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Cash Flow Finance
  • Industries: Manufacturing, Retail

Pros

  • Bespoke funding solutions

Cons

  • Rates can be high for unsecured loans

Sources: Source

9. White Oak

White Oak offers a wide range of business finance solutions from VAT loans to invoice finance, focusing on SME funding needs. It suits businesses looking for specialised loan products with varied collateral and repayment options. White Oak emphasises flexibility across several common business finance needs.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 7.5%
  • Max APR: 18.9%
  • Loan Duration: 12-60 months ⌛

Services & Industries

  • Finance Types: Business Loans, VAT & Tax Loans
  • Industries: General Business, Consultancy

Pros

  • Diverse product offerings

Cons

  • Arrangement fees may apply

Sources: Source

10. Metro Bank

Metro Bank offers a variety of borrowing options including asset and commercial loans, primarily serving SMEs requiring reliable customer support. It suits businesses that prioritise service quality and flexible borrowing terms. Metro Bank typically serves borrowers looking for standard financing options with clear repayment plans.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £60,000
  • Min APR: 9.6%
  • Max APR: 0%
  • Loan Duration: 1-5 years ⌛

Services & Industries

  • Finance Types: Commercial Loans, Asset Finance
  • Industries: Financial Services, Property

Pros

  • Strong customer support
  • Flexible borrowing terms

Cons

  • Higher rates for smaller amounts

Sources: Source

How to choose

When selecting the best long-term business loan lenders for the wholesale industry, consider loan amount and APR in relation to your budget and business needs. Evaluate lender eligibility criteria closely to ensure you qualify. Assess the balance between application speed and loan flexibility, as some lenders excel in quick funding while others offer more adaptable terms. Examine repayment options and whether loans require collateral or personal guarantees. Review fees, including early repayment charges, to understand total costs. Make sure repayments align with your franchise cash flow and seasonal revenue patterns.

Conclusion

Choosing the right lender depends on your loan purpose and business structure. Traditional banks may suit those seeking established products with strong customer support. Brokers like Funding Agent offer broad comparisons, ideal for exploring multiple options quickly. Specialist lenders generally provide tailored financing for niche needs or larger amounts secured on assets. Match your needs to the lender’s strengths for the best outcome when seeking a 200 thousand pounds loan or similar finance solutions.

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FAQs

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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
2NovunaNovuna provides flexible financial solutions for various industries, focusing on managing cash flow and funding growth.£10,000–£500,000; 6.7%–0% APR; 2-7 years
3MillbrookMillbrook offers a range of financing solutions to UK SMEs, including business loans and asset finance, specializing in flexible terms for businesses in need of capital.£10,000–£500,000; 4.9%–14.9% APR; 6–60 months
4SME LoansSME Loans specializes in financing solutions for small and medium enterprises, offering amounts tailored to business needs with a focus on accessibility and speed.£1,000–£500,000; 6%–0% APR; Varies
5CapifyCapify provides small business loans and merchant cash advances with an emphasis on rapid funding and flexible repayment options.£5,000–£1,000,000; 67.89%–0% APR; 3-12 months
6FleximizeFleximize offers adaptive and flexible business loans to SMEs in the UK, including various unsecured and secured options.£10,000–£500,000; 1.9%–3.9% APR; Flexibly tailored
7Aurora CapitalAurora Capital helps UK businesses secure competitive loans to fund growth or manage cash flow, providing both unsecured and secured options.£10,000–£2,000,000; 6.9%–12% APR; Up to 15 years
8Nucleus Commercial FinanceNucleus provides bespoke funding solutions for SMEs, leveraging technology to offer fast and flexible financial support.£10,000–£500,000; 7.5%–19.9% APR; 3–36 months
9White OakWhite Oak is a business finance provider offering a range of solutions from VAT loans to invoice finance, specializing in SME funding.£25,000–£2,000,000; 7.5%–18.9% APR; 12-60 months
10Metro BankMetro Bank provides a range of borrowing options to SMEs including asset and commercial loans with a commitment to customer service.£2,000–£60,000; 9.6%–0% APR; 1-5 years
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