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

Discover the best unsecured business loan lenders for consultancy firms in the UK. Learn about options, rates, and how to secure funding in 2026 with ease.
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 is a leading financial services company in the UK specializing in providing tailored business loans and financial solutions to consultancy agencies and other firms.£1,000–£500,000; 4.9%–15.9% APR; 0–60 months
2Shawbrook BankShawbrook Bank provides a wide range of unsecured business loans tailored for UK SMEs, focusing on business growth and investment in critical assets.£25,000–£250,000; 14.1%–14.1% APR; 12–60 months
3FleximizeFleximize is an award-winning digital business lender, offering flexible unsecured loan options tailored to the needs of UK SMEs.£5,000–£500,000; 10.2%–25% APR; Up to 60 months
4Love FinanceLove Finance specializes in fast-tracking unsecured business loans for SMEs in the UK, with a focus on swift approval and flexible terms.£1,000–£500,000; 6.9%–0% APR; Flexible
5Prosper FundingProsper Funding offers unsecured loans tailored to the needs of SMEs in the UK, focusing on providing fast, tailored funding solutions.£5,000–£500,000; 0%–0% APR; Flexible
6Nucleus Commercial FinanceNucleus Commercial Finance provides a range of unsecured business loans, with a focus on serving UK SMEs and offering flexible funding options.£10,000–£2,000,000; 5%–18% APR; 6–60 months
7Lending CrowdLending Crowd is a UK-based peer-to-peer lending platform offering flexible unsecured loans to SMEs, focusing on fast, flexible funding.£75,000–£500,000; 5.95%–12.25% APR; 6–60 months
8Funding CircleFunding Circle is a leading UK-based financial technology company providing a versatile range of business loans to SMEs across various sectors.£10,000–£750,000; 6.9%–25% APR; 6–72 months
9CapifyCapify provides small business loans to SMEs in the UK, offering fast and flexible funding solutions tailored to various industries.£5,000–£3,000,000; 67.89%–67.89% APR; 3–12 months
10Iwoca Iwoca provides flexible and unsecured business finance tailored to UK SMEs, serving a wide range of industries with a focus on speed and simplicity. £1,000–£1,000,000; 6%–15% APR; 1 month to 24 months

1. Funding Agent

Funding Agent Funding Agent specialises in providing tailored business loans and financial solutions to UK consultancy firms. It aims to deliver quick, straightforward access to unsecured funding. Suitable for those seeking fast, flexible options without collateral. Here's what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 4.9%
  • Max APR: 15.9%
  • Loan Duration: 0–60 months⌛

Services & Industries

  • Finance Types: Unsecured Business Loan, Bad Credit Loan, AI-Enhanced Loans
  • Industries: Consultancy, Marketing, Technology

Pros

  • Flexible loan terms
  • Competitive APR rates
  • Fast approval process

Cons

  • Not available for startups
  • Requires financial documentation

Sources: https://www.fundingagent.co.uk/post/top-business-loan-lenders-for-consultancy-agencies-uk

2. Shawbrook Bank

Shawbrook Bank Shawbrook Bank offers a range of unsecured business loans often used for growth or asset investment. They are suitable for clients needing quick access to flexible finance options that focus on business expansion and asset support. Here's what to know:

Loan Details

  • Min Amount: £25,000
  • Max Amount: £250,000
  • Min APR: 14.1%
  • Max APR: 14.1%
  • Loan Duration: 12–60 months⌛

Services & Industries

  • Finance Types: Unsecured Business Loan
  • Industries: Various SMEs

Pros

  • Fixed interest rates
  • No collateral required

Cons

  • Higher APR for larger amounts

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

3. Fleximize

Fleximize Fleximize provides flexible unsecured loans for UK SMEs. It is suitable for businesses needing quick access to funding with adaptable repayment terms. Here's what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 10.2%
  • Max APR: 25%
  • Loan Duration: Up to 60 months⌛

Services & Industries

  • Finance Types: Unsecured Loan
  • Industries: Marketing, Retail, Professional Services

Pros

  • Quick funding process
  • Personalized loan terms

Cons

  • Higher interest rates for riskier businesses

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

4. Love Finance

Love Finance Love Finance provides quick access to unsecured business loans designed for UK SMEs. It facilitates fast approval with flexible repayment options often suitable for recent or growing businesses. Here's what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: Flexible⌛

Services & Industries

  • Finance Types: Unsecured Business Loan
  • Industries: Retail, Healthcare, Consultancy

Pros

  • Lightning-fast approval
  • No collateral needed

Cons

  • Variable interest rates

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

5. Prosper Funding

Prosper Funding Prosper Funding provides unsecured loans to UK SMEs, designed for quick access and tailored to different business needs. It is suitable for firms seeking flexible options with fast approval. Here's what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible⌛

Services & Industries

  • Finance Types: Unsecured Loan
  • Industries: Various

Pros

  • Tailored funding solutions
  • Fast loan approval

Cons

  • Limited online presence

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

6. Nucleus Commercial Finance

Nucleus Commercial Finance Nucleus offers a range of unsecured business loans and commercial finance products. They focus on flexible funding options for UK SMEs. Suitable for companies wanting quick, uncollateralised funding. Here's what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 5%
  • Max APR: 18%
  • Loan Duration: 6–60 months⌛

Services & Industries

  • Finance Types: Unsecured Loan, Commercial Finance
  • Industries: Manufacturing, Retail

Pros

  • Wide range of finance options
  • Competitive interest rates

Cons

  • Strict eligibility requirements

Sources: https://www.fundingagent.co.uk/post/funding-circle-vs-nucleus-commercial-finance

7. Lending Crowd

Lending Crowd Lending Crowd is a peer-to-peer platform providing unsecured loans to UK SMEs. It connects investors directly with borrowers, offering quick access to flexible finance. Ideal for established businesses needing quick funding. Here's what to know:

Loan Details

  • Min Amount: £75,000
  • Max Amount: £500,000
  • Min APR: 5.95%
  • Max APR: 12.25%
  • Loan Duration: 6–60 months⌛

Services & Industries

  • Finance Types: Peer-to-peer Loan
  • Industries: Technology, Healthcare, Hospitality

Pros

  • No early repayment fees
  • Quick approvals

Cons

  • Higher minimum loan amounts

Sources: https://www.equitygap.co.uk/portfolio-item/lending-crowd/

8. Funding Circle

Funding Circle Funding Circle is a major UK fintech offering a broad range of business loans. It connects investors with established SMEs for fast, flexible funding. Suitable for those seeking quick funding with sector variety. Here's what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 25%
  • Loan Duration: 6–72 months⌛

Services & Industries

  • Finance Types: Unsecured Business Loan
  • Industries: Construction, Retail, Consultancy

Pros

  • Quick loan disbursal
  • No hidden fees

Cons

  • Interest rates can be high for certain risk profiles

Sources: https://www.fundingcircle.com/uk/about-us/

9. Capify

Capify Capify offers small business loans for UK SMEs needing quick, flexible funding solutions. It focuses on fast approvals and various industry options, often without collateral. Here's what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £3,000,000
  • Min APR: 67.89%
  • Max APR: 67.89%
  • Loan Duration: 3–12 months⌛

Services & Industries

  • Finance Types: Business Loan
  • Industries: Retail, Transportation, Professional Services

Pros

  • Fast eligibility checks
  • Large loan amounts available

Cons

  • High APR rates

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

10. Iwoca

Iwoca Iwoca provides flexible unsecured business finance for UK SMEs. It offers quick, straightforward access to funding suitable for various industries. It prioritises speed and ease for clients needing rapid credit. 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 month to 24 months⌛

Services & Industries

  • Finance Types: Unsecured Loan
  • Industries: SME, Retail, Healthcare

Pros

  • Flexible borrowing terms
  • No early repayment fees

Cons

  • Short loan durations

Sources: https://www.iwoca.co.uk/finance-explained/industry

How to choose

Matching the right provider to your consultancy needs involves understanding your funding purpose and scale. Traditional banks can offer larger amounts and lower rates but may require a detailed application process. Brokers can access a range of lenders, providing quicker options and tailored solutions. Specialist lenders focus on unsecured loans for specific sectors or business types. Consider your funding speed, flexibility, and costs when selecting a lender. Always review eligibility criteria and repayment terms carefully before applying. A clear understanding of your cash flow needs helps choose the best option for 2025.

Conclusion

Matching your lender type to your funding purpose is essential. Banks are suitable for larger, secured loans. Brokers offer quick, flexible unsecured options. Sector specialists can provide tailored 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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