Best Term Loan Lenders for Marketing agencies in the UK

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 2025-10-08.

1. Funding Agent

Funding Agent funding provider offers business loans primarily for UK marketing agencies, focusing on quick access and flexible terms. They often broker options with varied security and repayment structures, suitable for SMEs seeking predictable finance solutions. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 1-60 months⌛

Services & Industries

• Finance Types: Term Loans, Working Capital Loans
• Industries: Marketing

Pros

• Tailored solutions for marketing agencies
• Flexible terms

Cons

• May require detailed financial information

Sources: https://www.fundingagent.co.uk/financing-options/business-loans-for-marketing-agencies

2. Funding Circle

Funding Circle funding provider offers quick and accessible small business loans. They connect SMEs with investors, often through online platforms, which allows for rapid decisions and flexible terms. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £750,000
• Min APR: 6.9%
• Max APR: 25%
• Loan Duration: 6-60 months⌛

Services & Industries

• Finance Types: Term Loans
• Industries: Various including marketing

Pros

• Quick decisions
• Competitive rates

Cons

• Higher APR for riskier borrowers

Sources: https://www.fundingcircle.co.uk

3. Shawbrook Bank

Shawbrook Bank offers specialised business loans, often secured or unsecured, with fixed or variable interest options. They focus on faster approvals for UK marketing companies, supporting growth and project funding. Here's what to know:

Loan Details

• Min Amount: £25,000
• Max Amount: £150,000
• Min APR: 14.1%
• Max APR: 14.1%
• Loan Duration: 12-60 months⌛

Services & Industries

• Finance Types: Unsecured Business Loans
• Industries: Marketing

Pros

• Fixed interest rates
• Specialized services for marketing

Cons

• High minimum loan amount

Sources: https://www.shawbrook.co.uk/business/business-lending/unsecured-business-lending/

4. Swoop Funding

Swoop Funding provides flexible business loans suitable for UK marketing agencies, including overdraft and working capital options. They facilitate fast application processes often aligned with growth projects. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £200,000
• Min APR: 6.9%
• Max APR: 6.9%
• Loan Duration: 1-60 months⌛

Services & Industries

• Finance Types: Term Loans, Working Capital Loans
• Industries: Various

Pros

• Comprehensive financial solutions
• Easy application process

Cons

• Limited APR range

Sources: https://swoopfunding.com/uk/business-loans/marketing-loans/

5. NatWest

NatWest offers business loans and credit for SMEs, with options for secured and unsecured finance. They focus on quick access for established and growing marketing companies, supporting cash flow and expansion. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £100,000
• Min APR: 10%
• Max APR: 15%
• Loan Duration: 12-84 months⌛

Services & Industries

• Finance Types: Small Business Loans
• Industries: General Business

Pros

• Established bank
• Wide range of services

Cons

• Higher interest rates based on credit profile

Sources: https://www.natwest.com/business/loans-and-finance/small-business-loan.html

8. Start Up Loans Company

Start Up Loans Company provides government-backed loans for new businesses, typically offering straightforward eligibility and quick application processes. They support early-stage firms, often with fixed interest rates and guidance services. Here's what to know:

Loan Details

• Min Amount: £500
• Max Amount: £25,000
• Min APR: 6%
• Max APR: 6%
• Loan Duration: 12-60 months⌛

Services & Industries

• Finance Types: Start-up Loans
• Industries: Start-ups

Pros

• Fixed low interest rate
• Free mentoring

Cons

• Limited to start-ups

Sources: https://www.startuploans.co.uk

9. Barclays

Barclays Barclays offers a wide range of business loans including asset finance, overdrafts and term loans suitable for marketing firms. They provide flexible options geared towards established businesses needing growth capital. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £250,000
• Min APR: 5.9%
• Max APR: 15%
• Loan Duration: 6-120 months⌛

Services & Industries

• Finance Types: Business Loans
• Industries: General Business

Pros

• Wide branch network
• Flexible terms

Cons

• Interest rates vary widely

Sources: https://www.barclays.co.uk/business-banking/borrow/loans/

How to choose

When selecting a lender for a marketing agency, consider your funding needs, including loan size and repayment terms. Bank lenders often provide straightforward, quick options suited for established firms. Broker platforms or specialist providers may offer more tailored solutions or access to unusual or asset-backed products. Review options carefully for fees, flexibility, and speed of approval. Matching the right provider to your specific needs ensures the best fit for growth or working capital.

Conclusion

Choosing the right provider depends on your funding purpose and business size. Banks like HSBC and Barclays offer traditional, quick options for established firms. Broker and online lenders like Funding Agent or Funding Circle can provide faster access or specialised solutions. Always confirm current costs and terms with the lender; pricing may change.