October 3, 2025
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The Best Unsecured Business loan Lenders for Accountants in the UK for 2026

Discover the best unsecured business loan lenders for accountants in the UK for 2026. Compare top lenders, interest rates, and flexible loan options tailored for accounting professionals.
Jesse Spence
Finance content writer / Market researcher

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 2025-10-03.

Rank Provider Summary Loan range; APR; Term
1Funding AgentFunding Agent provides unsecured business loans with loan amounts up to £500,000 and APR as low as 6.9%.£1,000–£500,000; 6.9%–8.9% APR; 12-60 months
2Performance FinancePerformance Finance offers a range of bespoke business loans, with a focus on professionals in the UK such as accountants and medical practitioners.£0–£0; 0%–0% APR; Up to 7 years
3RangewellRangewell acts as a broker, mapping over 300 business finance lenders and providing access to various products for UK businesses.£5,000–£200,000; 6.9%–0% APR; Variable
4British Business BankThe British Business Bank is a state-owned economic development bank that supports SMEs across the UK with a range of financial products.£500–£25,000; 6%–0% APR; 1-5 years
5Funding OptionsFunding Options helps UK firms access business finance quickly by working directly with businesses and their trusted advisors.£1,000–£20,000,000; 6%–15% APR; Flexible terms
6Lloyds BankLloyds Bank offers business loans to help you expand or invest, with competitive rates and personalized service for SMEs in the UK.£1,000–£50,000; 11.2%–0% APR; Up to 25 years
7BarclaysBarclays provides a variety of lending solutions including fixed or variable rate loans catering to the diverse needs of SMEs.£1,000–£5,000; 14.9%–0% APR; 1-25 years
8iwocaiwoca supports SMEs with business loans ranging from £1,000 to £1,000,000, providing fast decisions and flexible repayment terms.£1,000–£1,000,000; 18%–49% APR; Up to 12 months
9Shawbrook BankShawbrook Bank provides lending and savings products for established UK businesses, with a particular focus on SMEs.£25,000–£150,000; 14.1%–0% APR; 1-5 years
10MAF Finance GroupMAF Finance Group offers a broad range of financial solutions across various industries, specializing in asset finance and invoice discounting.£25,000–£2,000,000; 0%–0% APR; 3-72 months

1. Funding Agent

Funding Agent specializes in unsecured business loans for UK SMEs. Its offerings include flexible options suitable for working capital, growth, or refinancing. The process is typically straightforward, with quick decisions and a range of loan sizes, often brokered for access to multiple lenders.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 8.9%
  • Loan Duration: 12-60 months⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: Various

Pros

  • Low APR
  • High loan amounts

Cons

  • Requires detailed financial history

Sources: https://www.fundingagent.co.uk/post/top-10-business-loan-lenders-for-accountancy-firms-in-the-uk-for-2025

2. Performance Finance

Performance Finance offers bespoke business finance solutions geared towards professionals. Its products can include secured or unsecured options, with a focus on flexibility and tailored repayment plans for sectors like legal, accountancy, or medical fields.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 7 years⌛

Services & Industries

  • Finance Types: Unsecured Loans, Finance for professionals
  • Industries: Legal, Accountancy, Medical

Pros

  • Tailored to professionals
  • Flexible terms

Cons

  • APR information limited

Sources: https://www.performancefinance.co.uk/funding-options/business-loans/

3. Rangewell

Rangewell functions as a broker providing access to a wide network of business finance lenders. Its services include business loans suited for clients looking for flexible terms and a variety of products, often brokered for competitive options across sectors.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £200,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: Variable⌛

Services & Industries

  • Finance Types: Brokered Loans
  • Industries: Various

Pros

  • Wide network
  • Comprehensive mapping

Cons

  • No direct lending

Sources: https://www.fundingagent.co.uk/lender-reviews/rangewell-reviews

4. British Business Bank

British Business Bank offers a range of government-backed financial products for UK SMEs. Its services include development loans and equity finance, often suitable for early-stage or growth-phase businesses seeking flexible funding options. The process typically involves straightforward application procedures.

Loan Details

  • Min Amount: £500
  • Max Amount: £25,000
  • Min APR: 6%
  • Max APR: 0%
  • Loan Duration: 1-5 years⌛

Services & Industries

  • Finance Types: Development Loans, Equity Finance
  • Industries: Various

Pros

  • Government-backed
  • Diverse loan products

Cons

  • Limited maximum amount

Sources: https://www.british-business-bank.co.uk/business-guidance/guidance-articles/finance/start-up-loan

5. Funding Options

Funding Options facilitates quick access to business finance for UK firms. Its services include matching businesses with a broad network of lenders, useful for those seeking rapid funding or diverse borrowing options. The platform supports various types of finance including loans and commercial mortgages.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £20,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: Flexible terms⌛

Services & Industries

  • Finance Types: Business Loans, Commercial Mortgages
  • Industries: Various

Pros

  • Wide range of lenders
  • Fast match service

Cons

  • Varied APR

Sources: https://www.fundingoptions.com/

6. Lloyds Bank

Lloyds Bank offers a range of business loans designed for UK SMEs. Its options include flexible repayment plans and competitive interest rates to support growth or investment needs. The application process is typically quick, serving a broad range of sectors and business sizes.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 0%
  • Loan Duration: Up to 25 years⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: Various

Pros

  • Established bank
  • Long repayment terms

Cons

  • Higher minimum APR

Sources: https://lloydsbank.com/business/business-loans.html

7. Barclays

Barclays offers various lending options including fixed or variable rate loans. These solutions are suitable for UK SMEs seeking adaptable terms and reliable support. Their products serve a range of sectors, with application processes designed for straightforward assessment.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £5,000
  • Min APR: 14.9%
  • Max APR: 0%
  • Loan Duration: 1-25 years⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: Various

Pros

  • Flexible rates
  • No early repayment fees

Cons

  • Higher minimum APR

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

8. iwoca

iwoca provides flexible financing options for UK SMEs, including short-term loans and credit lines. Its services focus on quick approval and custom repayment structures, often supporting businesses with less extensive credit histories. The platform is designed to offer fast funding solutions tailored to business needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 18%
  • Max APR: 49%
  • Loan Duration: Up to 12 months⌛

Services & Industries

  • Finance Types: Unsecured Loans, Credit Lines
  • Industries: Various

Pros

  • Quick decision
  • Immediate funding

Cons

  • High APR

Sources: https://www.iwoca.co.uk/small-business-loans

9. Shawbrook Bank

Shawbrook Bank offers tailored lending options for established UK businesses. Its focus includes short-term business loans, asset financing, and secured or unsecured credit. The platform aims to provide efficient service with flexible repayment arrangements.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £150,000
  • Min APR: 14.1%
  • Max APR: 0%
  • Loan Duration: 1-5 years⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: Healthcare, Transport, Logistics

Pros

  • Fixed rates
  • Loan variety

Cons

  • High acceptance fee

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

10. MAF Finance Group

MAF Finance Group provides a wide range of financial solutions, including asset finance and invoice discounting. Its services are geared toward UK SMEs seeking flexible, non-secured financing options for growth or operational needs. The firm offers customisable repayment terms across industries.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3-72 months⌛

Services & Industries

  • Finance Types: Unsecured Loans, Asset Finance
  • Industries: Manufacturing, Transport

Pros

  • Large loan ranges
  • Industry specialists

Cons

  • APR information limited

Sources: https://maffinancegroup.co.uk/products/business-loans/unsecured-business-loans

How to choose

Matching the right lender depends on your specific needs. Bank lenders offer reliable, often fixed-term loans for established businesses. Brokers and specialist lenders provide greater flexibility and access to a wider range of products, often for fast or unsecured borrowing. Evaluating loan size, APR, security, and repayment options helps determine the best fit. Always consider how repayments align with your cash flow and sector seasonality. Review lender criteria, fees, and early repayment terms before applying.

Conclusion

Matching your needs to provider type is key. Banks suit those seeking established products and longer terms. Brokers can connect you to multiple lenders for more options. Specialist lenders often offer quicker, unsecured, or sector-specific solutions. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Other providers suit larger amounts, asset-backed needs, or sector specialisms. Always confirm current costs and terms with the lender; pricing may change.

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