April 7, 2026
Lists

Best Same-Day Business Loan Lenders for the Import and Export Industry

Discover the best same-day business loan lenders tailored for the import and export industry in the UK. Get quick funding to grow your business with ease and confidence.
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Best Same-Day Business Loan Lenders for the Import and Export Industry
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

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 2026-03-30.

1. Capify

Capify focuses on providing short-term business loans that support cash flow needs for small and medium enterprises, especially in the UK. It is suitable for franchise buyers and businesses seeking fast access to working capital with flexible repayment options. Capify offers same-day funding without requiring extensive collateral, facilitating predictable finance terms for expanding operations.

Loan Details

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

Services & Industries

  • Finance Types: Unsecured loans, Secured loans
  • Industries: Retail, Hospitality, Construction

Pros

  • Fast funding
  • Flexible repayment options

Cons

  • Higher APR for riskier businesses

Sources: Source

2. Novuna

Novuna offers tailored finance solutions across a range of business needs, focusing on flexibility and competitive terms. It is apt for franchise buyers requiring adaptable funding lasting up to several years. Novuna provides quick access to funds with options that often involve asset-based security, facilitating availability for diverse industry sectors.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 60 months ⌛

Services & Industries

  • Finance Types: Unsecured loans, Asset finance
  • Industries: Professional services, Retail

Pros

  • Customizable solutions
  • No hidden fees

Cons

  • Higher loan thresholds

Sources: Source

3. Swoop Funding

Swoop Funding facilitates access to a broad range of funding solutions for UK businesses with a focus on speed and efficiency. It suits franchise buyers and businesses looking for both short-term and long-term options, including business loans and equity finance. Their platform supports diverse repayment types and loan sizes, catering to different risk profiles.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £10,000,000
  • Min APR: 4%
  • Max APR: 15%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

  • Finance Types: Business loans, Equity finance
  • Industries: Technology, Manufacturing

Pros

  • Tailored loan options
  • Comprehensive platform

Cons

  • Complex application process

Sources: Source

4. Nucleus Commercial Finance

Nucleus Commercial Finance provides a range of secured and unsecured lending products tailored for UK businesses, focusing on flexibility in underwriting. It is apt for franchise buyers and SMEs that may require loans secured against assets or unsecured facilities. The firm emphasises rapid decision-making and adaptable repayment structures suitable for business growth and capital needs.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £2,000,000
  • Min APR: 9%
  • Max APR: 0%
  • Loan Duration: 6 to 60 months ⌛

Services & Industries

  • Finance Types: Small business loans, Invoice finance
  • Industries: Healthcare, Construction

Pros

  • Flexible underwriting
  • Rapid decisions

Cons

  • Higher rates for small amounts

Sources: Source

5. Iwoca

Iwoca offers rapid and flexible funding solutions with an emphasis on fast decisions and transparent pricing for UK businesses. It is suitable for franchise buyers requiring short-term loans with straightforward terms. Iwoca focuses on simplicity and quick access, often without demanding collateral, appealing to businesses prioritising speed and clarity.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 8.5%
  • Max APR: 0%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Short-term loans
  • Industries: Construction, Retail

Pros

  • Fast application process
  • No early repayment fees

Cons

  • Higher APR potential

Sources: Source

6. Barclays

Barclays provides a broad range of business funding options, including commercial mortgages and long-term loans for expansion. It is suitable for franchise buyers and businesses requiring large loans with extended repayment durations. Barclays offers traditional bank lending with varied security requirements and comprehensive support services.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 6 to 300 months ⌛

Services & Industries

  • Finance Types: Unsecured loans, Commercial mortgages
  • Industries: Various

Pros

  • Trusted banking institution
  • Comprehensive support

Cons

  • Extended approval time

Sources: Source

7. Lloyds Bank

Lloyds Bank offers various business loan products designed to meet different financial needs, including asset finance and growth loans. It suits franchise buyers looking for flexible borrowing options over short or extended periods. Lloyds typically requires eligibility verification and offers tailored products to support cash flow and expansion.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 300 months ⌛

Services & Industries

  • Finance Types: Asset finance, Business growth loans
  • Industries: Healthcare, Retail

Pros

  • Variety of loan options
  • Strong customer service

Cons

  • Strict eligibility criteria

Sources: Source

8. NatWest

NatWest provides a wide range of financial products including secured and unsecured business loans suitable for various industries. It is appropriate for franchise buyers needing flexible repayment options and loan sizes that accommodate working capital or investment needs. NatWest focuses on delivering comprehensive lending solutions with an emphasis on client requirements.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 300 months ⌛

Services & Industries

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

Pros

  • Flexible repayment
  • Wide range of services

Cons

  • Can be less flexible for small loans

Sources: Source

9. White Oak UK

White Oak UK specialises in SME business finance with a focus on short and medium-term loans. It serves franchise buyers needing flexible financing solutions that may include VAT loans and short-term facilities. White Oak UK emphasises tailored products with structured documentation and predictable repayment plans.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 6 to 120 months ⌛

Services & Industries

  • Finance Types: Short-term loans, VAT loans
  • Industries: SMEs

Pros

  • Specialized SME financing
  • Long-term support

Cons

  • Strict documentation requirements

Sources: Source

10. Bizcap

Bizcap targets SMEs with speedy approval of unsecured business loans, including for those with less than perfect credit history. It fits franchise buyers who need quick access to capital and are comfortable with relatively straightforward lending criteria. Bizcap focuses on ease of access and flexible application processes without requiring collateral.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

  • Finance Types: Unsecured loans
  • Industries: Retail, Hospitality

Pros

  • Quick approval process
  • Bad credit accepted

Cons

  • Higher interest rates for high-risk loans

Sources: Source

How to choose

When selecting same-day business loan lenders for the import and export industry, consider the loan size that matches your capital needs and the annual percentage rate (APR) that fits your repayment capacity. Evaluate eligibility criteria carefully, as requirements can vary by lender and impact access. Balance the need for speed against the flexibility of loan terms and security options. It is important to review repayment schedules and fees, including early repayment conditions, to avoid surprises. Brokered access may widen your options but check for transparency in costs. Understanding how loan repayments align with seasonal cash flow fluctuations is essential for import and export businesses.

Conclusion

Choosing the right lender depends on your specific use case and business needs. Banks typically provide structured loans with comprehensive support, suitable for larger or long-term funding. Brokers can offer access to a wider range of specialist lenders that may better fit niche or high-risk requirements. Specialist lenders often provide quicker access and more flexible terms for short-term or unsecured borrowing. For franchises looking for loans around 200 thousand pounds, matching the lender type to your purpose and risk profile is key. Always verify current terms and conditions directly with providers, as details may change over time. For further guidance, consult resources such as the Funding Agent.

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FAQs

What are same-day business loans?
Which lenders offer same-day loans for import and export businesses?
What types of loans are available for the import and export industry?
How can I qualify for a same-day business loan?
Are there any risks associated with same-day business loans?
Can I use a same-day loan for international trade expenses?

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1CapifyCapify offers short-term business loans with same-day funding, designed to enhance cash flow and expand operational capabilities for SMEs.£5,000–£1,000,000; 0%–0% APR; 1 to 12 months
2NovunaNovuna provides flexible finance solutions tailored to various businesses, offering quick funding with competitive terms.£10,000–£0; 0%–0% APR; Up to 60 months
3Swoop FundingSwoop commits to helping UK businesses gain access to valuable funding solutions quickly and efficiently.£5,000–£10,000,000; 4%–15% APR; 3 to 60 months
4Nucleus Commercial FinanceNucleus offers a variety of tailored financial solutions to support UK businesses, including secured and unsecured business loans.£3,000–£2,000,000; 9%–0% APR; 6 to 60 months
5IwocaIwoca provides fast, flexible funding solutions to UK businesses with an emphasis on quick decision-making and transparent pricing.£1,000–£500,000; 8.5%–0% APR; 1 to 24 months
6BarclaysBarclays offers diverse business funding and borrowing options, including loans for expansion and equipment purchases.£1,000–£10,000,000; 0%–0% APR; 6 to 300 months
7Lloyds BankLloyds Bank provides a range of business loans designed for various needs, supporting companies looking to expand or manage cash flow.£1,000–£0; 0%–0% APR; 1 to 300 months
8NatWestNatWest helps UK businesses with a comprehensive suite of financial products, including competitive business loans and overdrafts.£1,000–£10,000,000; 0%–0% APR; 1 to 300 months
9White Oak UKWhite Oak UK specializes in providing a variety of SME business finance solutions, offering both short-term and long-term loans.£5,000–£1,000,000; 0%–0% APR; 6 to 120 months
10BizcapBizcap caters to SMEs in the UK with fast approval business loans, even considering candidates with less than perfect credit.£5,000–£1,000,000; 0%–0% APR; 3 to 24 months
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