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 2026-03-27.
Funding Circle focuses on providing unsecured business loans designed for UK SMEs requiring moderate to large funding amounts with predictable terms. Their products are typically suitable for franchise buyers and businesses seeking loans without property collateral. The lender offers relatively fast approval times and fixed repayment schedules, making it a practical option for clear financing needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £750,000
- Min APR: 6.9%
- Max APR: 0%
- Loan Duration: 6 to 60 months ⌛
Services & Industries
- Finance Types: Unsecured Business Loans
- Industries: Various
Pros
- Fast approvals
- No property collateral required
Cons
- Higher rates for lower credit scores
iwoca provides flexible short-term business loans with fast decisions, targeting UK SMEs needing quick access to capital. They cater well to businesses requiring working capital or bridging funds without strict collateral requirements. The lender emphasises speed and adaptable repayment terms suitable for various industries.
Loan Details
- Min Amount: £1,000
- Max Amount: £1,000,000
- Min APR: 6%
- Max APR: 15%
- Loan Duration: 1 to 24 months ⌛
Services & Industries
- Finance Types: Flexible Loans, Working Capital Loans
- Industries: Various
Pros
- Quick funding
- No early repayment fees
Cons
- Higher rates for long-term loans
Fleximize specialises in both secured and unsecured business loans with an emphasis on personalised and flexible financing solutions. It is suited to UK SMEs requiring adjustable loan structures, varied collateral options, and tailored repayment types. This lender is appropriate for businesses seeking a balance between credit terms and funding size.
Loan Details
- Min Amount: £25,000
- Max Amount: £500,000
- Min APR: 10.8%
- Max APR: 58%
- Loan Duration: 12 to 48 months ⌛
Services & Industries
- Finance Types: Secured Loans, Unsecured Loans
- Industries: Various
Pros
- Flexible loan terms
- No early repayment fees
365 Finance focuses on providing unsecured funding that avoids traditional interest or APR structures, aligning with businesses preferring alternative repayment options. This funding style suits SMEs that seek flexible repayment schemes and non-conventional financial arrangements. It may appeal to companies valuing ease of access over standard loan criteria.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible repayments ⌛
Services & Industries
- Finance Types: Unsecured Business Loans, Merchant Cash Advances
- Industries: Various
Pros
- No interest rates
- Flexible repayments
Cons
- Non-traditional funding model
Novuna offers business loans designed to fit production and sales cycles, targeting UK SMEs with short-term financing needs. Their lending suits businesses in product-based sectors requiring quick decisions and adaptable repayment structures. This provider focuses on flexible access to working capital aligned with operational timelines.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 12 months ⌛
Services & Industries
- Finance Types: Short-Term Loans, Cash Flow Financing
- Industries: Product-Based Businesses
Pros
- Tailored funding solutions
- Rapid decision process
White Oak UK specialises in SME finance offering both business loans and funding solutions with flexible terms and payment options. It is generally suited for UK SMEs needing a range of loan products including term loans and tax-related financing. The lender provides options with variable security requirements and adaptable loan structures.
Loan Details
- Min Amount: £5,000
- Max Amount: £2,000,000
- Min APR: 7.5%
- Max APR: 18.9%
- Loan Duration: 12 to 60 months ⌛
Services & Industries
- Finance Types: Term Loans, VAT and Tax Loans
- Industries: Various
Pros
- High loan limits
- Wide range of loan products
Century Business Finance offers fast and straightforward business loans focused on SMEs that need to manage cash flow and growth. The lender is suitable for borrowers looking for short to medium-term loans without complicated security demands. They provide simple processes with flexible repayment options designed for various industries.
Loan Details
- Min Amount: £10,000
- Max Amount: £250,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 1 to 5 years ⌛
Services & Industries
- Finance Types: Short-Term Loans, Long-Term Business Loans
- Industries: Various
Pros
- Fast approval process
- Flexible terms
Apex Loans provides secured and unsecured loans tailored to UK SMEs, focusing on competitive rates and flexible repayment plans. This service suits borrowers looking for adaptable loan amounts with varying security requirements. Their offerings cater to a diverse range of businesses aiming for fast decisions and customised funding solutions.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 6%
- Max APR: 0%
- Loan Duration: 1 to 60 months ⌛
Services & Industries
- Finance Types: Secured Business Loans, Unsecured Business Loans
- Industries: Various
Pros
- Fast decision
- Tailored solutions
Cons
- Potential higher rates for unsecured loans
County Finance Group specialises in tailored asset and practice financing for UK businesses, offering personalised solutions rather than standard loans. It is suitable for companies needing specialised finance aligned to asset purchases or practice expansions. The lender provides flexible terms focused on bespoke client requirements.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 6 to 12 months ⌛
Services & Industries
- Finance Types: Asset Finance, Practice Finance
- Industries: Various
Pros
- Tailored financing solutions
- No APR
Cons
- Limited public loan details
Tide Business Loans provides unsecured loans with a simple application process designed for fast funding with no impact on credit scores. This lender is suitable for SMEs needing quick, accessible financing with flexible borrowing limits. Their approach prioritises ease of access and minimal requirements over traditional banking criteria.
Loan Details
- Min Amount: £0
- Max Amount: £20,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Unsecured Loans
- Industries: Various
Pros
- Simple application
- No credit impact
Cons
- Potential high rates for large amounts
How to choose
When selecting same-day business loan lenders for the accountancy industry, focus on providers that offer speed and clear terms suitable for professional services. Review each lender’s flexibility around repayment options and loan amounts to match client cash flows and billing cycles. Consider eligibility criteria relevant to accountancy firms, including the need for security or credit history. Balance lender accessibility with the desired loan size and term duration. Lastly, assess fees and early repayment conditions to ensure alignment with financial planning needs.
Conclusion
Choosing the right lender depends on your specific use case and business needs. Banks may provide stability for long-term loans while brokers can offer access to specialist and alternative finance providers. Specialist lenders serve niche markets with tailored offerings like asset or practice finance. Matching the loan type to your business purpose and repayment capacity is essential. Always verify current costs, terms, and criteria with the lender directly before applying, as pricing and availability may change. Refer to the relevant Funding Agent information for further insights.