Best Quick 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 2026-03-24.

1. Funding Agent

Funding Agent provides a platform to compare various business finance options quickly. It is typically suitable for UK SMEs looking for quick matching on eligibility with straightforward terms. This provider emphasises speed, ease of application, and offers unsecured loans among other finance types.

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. OnDeck

OnDeck offers quick and dependable small business loans. It suits UK SMEs needing timely access to finance with moderate amounts. The provider offers fast approvals and flexible repayment options without strict collateral requirements.

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: Small Businesses, Retail

Pros

• Higher approval rate
• Tailored solutions

Cons

• Rates depend heavily on credit profile

Sources: Source Source

3. National Funding

National Funding focuses on providing startup loans with competitive fixed rates. This company typically serves early-stage UK businesses seeking moderate loans with clear, predictable repayment terms. It offers loans that support growth with straightforward eligibility and repayment options.

Loan Details

• Min Amount: £10,000
• Max Amount: £25,000
• Min APR: 6%
• Max APR: 12%
• Loan Duration: 12–60 months ⌛

Services & Industries

• Finance Types: Startup Loans
• Industries: Startup

Pros

• Fixed interest rate
• Support services provided

Cons

• Limited to UK businesses

Sources: Source

4. Live Oak Bank

Live Oak Bank provides larger-scale flexible business loans, geared towards businesses with expansion goals. It is best suited for those who can meet higher minimum loan requirements. Loans typically involve longer terms and tailored structuring with potential collateral considerations.

Loan Details

• Min Amount: £1,000,000
• Max Amount: £10,000,000
• Min APR: 5%
• Max APR: 15%
• Loan Duration: 12–120 months ⌛

Services & Industries

• Finance Types: Large Business Loans
• Industries: Real Estate, Construction

Pros

• Large loan amounts
• Flexible terms

Cons

• High minimum loan amount

Sources: Source

5. GreenBox Capital

GreenBox Capital offers rapid business loans focused on the retail and service sectors, including cleaning. It suits businesses that need quick funding with competitive terms. This provider emphasises speed and sector focus, generally offering unsecured loans with flexible repayment options.

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: Business Loans
• Industries: Retail, Services

Pros

• Quick financing
• Competitive rates

Cons

• APR may vary significantly

Sources: Source

6. Biz2Credit

Biz2Credit specialises in streamlined online lending with flexible terms. It is intended for SMEs seeking convenient access to business loans with competitive rates. The platform supports diverse repayment options and moderate loan amounts.

Loan Details

• Min Amount: £5,000
• Max Amount: £300,000
• Min APR: 6.7%
• Max APR: 11.5%
• Loan Duration: 3–72 months ⌛

Services & Industries

• Finance Types: SME Loans, Business Loans
• Industries: SMEs, Retail

Pros

• Easy application process
• Fast approval

Cons

• Fees may apply

Sources: Source

7. Crestmont Capital

Crestmont Capital offers financial services including equipment financing and business loans with low APR options. It targets UK SMEs needing moderate loan amounts and prefers clients seeking flexible term lengths. Their offering suits clients requiring tailored financing with more specialised services.

Loan Details

• Min Amount: £10,000
• Max Amount: £500,000
• Min APR: 3%
• Max APR: 7%
• Loan Duration: 6–36 months ⌛

Services & Industries

• Finance Types: Equipment Financing, Business Loans
• Industries: Logistics, Transport

Pros

• Low APR
• Diverse service offerings

Cons

• Limited online presence

Sources: Source

8. Capalona

Capalona operates a marketplace connecting UK businesses with a variety of loan options. It fits diverse business needs by offering access to multiple lenders and loan types. The platform emphasises flexibility and breadth of choice for business borrowers.

Loan Details

• Min Amount: £1,000
• Max Amount: £10,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 1–120 months ⌛

Services & Industries

• Finance Types: Marketplace Loans
• Industries: General Business

Pros

• Wide range of lenders
• High loan amounts available

Cons

• APR can be broad

Sources: Source

9. 365 Finance

365 Finance provides funding solutions with no fixed interest rates or payments, suitable for businesses with variable cash flows. It focuses on merchant cash advances to accommodate flexible repayment schedules. This provider serves businesses in various industries that benefit from adaptable financing.

Loan Details

• Min Amount: £10,000
• Max Amount: £500,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Flexible ⌛

Services & Industries

• Finance Types: Merchant Cash Advance
• Industries: Various

Pros

• No fixed APR
• Flexible repayment

Cons

• Cost may vary based on sales

Sources: Source

10. Mr Lender

Mr Lender specialises in short-term loans with very high APRs, targeting urgent financial needs. It offers quick access to small loan amounts with straightforward terms. This lender is suited for personal loan requirements or immediate cash flow shortfalls.

Loan Details

• Min Amount: £100
• Max Amount: £1,000
• Min APR: 292%
• Max APR: 1462.3%
• Loan Duration: 3–6 months ⌛

Services & Industries

• Finance Types: Short Term Loans
• Industries: Personal Loans

Pros

• Quick access
• No late fees

Cons

• Very high APR

Sources: Source

How to choose

When selecting quick loan lenders for the cleaning services industry, consider your required loan size and the APR that fits your budget. Check each provider's eligibility criteria carefully, focusing on speed of approval and flexibility in repayment options. Evaluate whether loans are secured or unsecured, and if collateral or specific industry experience is necessary. Also, weigh the trade-off between fast access and the costs involved, including fees. Review lender terms for early repayment and any restrictions that might affect your franchise’s cash flow and seasonality.

Conclusion

Choosing the right lender depends on your business needs, whether you require bank loans, brokered finance, or specialist providers. Bank lenders often suit larger or asset-backed loans, while brokers can offer access to multiple options quickly. Specialist providers may have tailored products for specific sectors or loan types, such as merchant cash advances or startup funding. Funding Agent remains a good option for SMEs seeking fast comparisons across multiple lenders. Always verify current terms, as loan costs and structures evolve over time.