April 7, 2026
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Best Unsecured Business Loan Lenders for the Cleaning Services Industry

Discover the best unsecured business loan lenders tailored for the cleaning services industry in the UK. Get fast, flexible funding to grow your cleaning business with ease.
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Best Unsecured Business Loan Lenders for the Cleaning Services 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.

Best Unsecured Business Loan Lenders for the Cleaning Services Industry

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 2026-04-02.

1. Funding Agent

Funding Agent focuses on helping UK SMEs access a variety of unsecured business finance products through a straightforward comparison platform. It is typically suitable for franchise buyers and businesses seeking to understand different loan options with flexibility on terms and repayment structures. The platform emphasises quick eligibility checks and a simple application process without collateral requirements.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Unsecured business loans, MCA Loans, Working capital
  • Industries: UK SME's

Pros

  • fastest and easiest application process
  • No collateral required

Cons

  • lower track record, only trading 1 year

Sources: Funding Agent

2. Nucleus Commercial Finance

Nucleus Commercial Finance offers tailored business loans that suit a variety of UK company growth needs, focusing on flexible lending solutions. It typically serves franchise buyers and businesses requiring adaptable finance with secured or unsecured options. The provider offers a range of repayment structures and customised packages to meet varied borrower requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 24.9%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

  • Finance Types: Secured Business Loans, Unsecured Business Loans
  • Industries: Various industries

Pros

  • Customised loan packages
  • Flexible terms

Cons

  • Higher APR for riskier profiles

Sources: Source

3. Iwoca

Iwoca specialises in short-term and flexible financing primarily for small and medium-sized enterprises. It is suited for franchise buyers or SMEs looking for quick decisions and ease of access, with options covering flexible repayment plans and working capital loans. The lender focuses on providing adaptable financial support without extensive security requirements.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 6%
  • Max APR: 29.9%
  • Loan Duration: 1 to 24 months ⌛

Services & Industries

  • Finance Types: Short-Term Business Loans, Working Capital Loans
  • Industries: Construction, Retail, Services

Pros

  • Fast approval
  • Flexible repayment

Cons

  • Short repayment terms

Sources: Source

4. Barclays

Barclays provides a comprehensive range of loan products including unsecured and secured options. It is suitable for franchise buyers and SMEs seeking a reputable bank with diverse loan choices and varying term lengths. The lender offers multiple repayment types and tends to focus on established businesses needing flexible financing.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans, Secured Loans
  • Industries: Multiple industries

Pros

  • Wide range of loan options
  • Reputable institution

Cons

  • Lengthy application process

Sources: Source

5. Lloyds Bank

Lloyds Bank offers business loans emphasizing competitive rates and term flexibility to help SMEs grow. It is suitable for those in the cleaning services or similar industries seeking established bank products with asset finance options. The lender requires credit checks and supports various loan structures aligned with business needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £150,000
  • Min APR: 8.9%
  • Max APR: 15.6%
  • Loan Duration: 1 to 25 years ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans, Asset Finance
  • Industries: SMEs, Corporate

Pros

  • Flexible terms
  • Wide eligibility

Cons

  • Strict credit requirements

Sources: Source

6. Natwest

Natwest delivers a variety of business financing options with both fixed and variable rate structures, focusing on flexibility and competitive pricing. It is suited to SMEs and franchise buyers who need tailored borrowing solutions and value established lender support. The bank provides repayment options covering a range of loan durations and credit needs.

Loan Details

  • Min Amount: £25,001
  • Max Amount: £1,000,000
  • Min APR: 6.5%
  • Max APR: 13.5%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans, Fixed & Variable Rate Loans
  • Industries: Small to medium enterprises

Pros

  • Fixed and variable rates
  • Comprehensive support

Cons

  • Higher rates for larger amounts

Sources: Source

7. Bizcap

Bizcap specialises in quick and flexible unsecured business loans, with a focus on fast access and minimal paperwork. This makes it a suitable option for cleaning service franchises and SMEs prioritising speed and simplicity. The lender provides short to medium-term loans with straightforward eligibility.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 10%
  • Max APR: 26%
  • Loan Duration: 3 to 36 months ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans, Short-Term Loans
  • Industries: Multiple sectors

Pros

  • Fast funding
  • Low documentation

Cons

  • Higher interest rates

Sources: Source

8. White Oak UK

White Oak UK focuses on SME finance with tailored business loans and VAT financing. It is ideal for franchises or growing businesses in the cleaning sector needing larger capital amounts and diverse loan structures. The lender emphasises customised solutions and supports a variety of repayment options.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £2,000,000
  • Min APR: 7.5%
  • Max APR: 22.5%
  • Loan Duration: 6 to 84 months ⌛

Services & Industries

  • Finance Types: Business Loans, VAT Loans
  • Industries: SMEs, Growing businesses

Pros

  • High loan caps
  • Tailored solutions

Cons

  • Complex eligibility criteria

Sources: Source

9. Shawbrook

Shawbrook provides a variety of loan products including unsecured and secured options designed for UK SMEs. It suits businesses in service sectors such as cleaning, offering repayment flexibility and no early repayment fees. The lender supports a wide eligibility range with competitive credit requirements.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £350,000
  • Min APR: 5%
  • Max APR: 20%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Unsecured Business Loans, Professions Loans
  • Industries: Healthcare, Professional services

Pros

  • No early repayment fees
  • Wide eligibility

Cons

  • Higher APR for unsecured loans

Sources: Source

10. OnDeck

OnDeck specialises in short-term business loans with rapid funding aimed at small businesses. It is suitable for franchises or SMEs in sectors like cleaning that need prompt capital without extensive paperwork. OnDeck offers flexible repayment options but typically at higher APRs for shorter durations.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £400,000
  • Min APR: 9.9%
  • Max APR: 35.6%
  • Loan Duration: 3 to 24 months ⌛

Services & Industries

  • Finance Types: Short-Term Loans, Working Capital Loans
  • Industries: Retail, Hospitality

Pros

  • Fast processing
  • No lengthy paperwork

Cons

  • High APR for short terms

Sources: Source

How to choose

When selecting the best unsecured business loan lenders for the cleaning services industry, consider your required loan amount and how the APR affects your repayment capacity. Review lender eligibility criteria focused on your industry and credit profile. Balance speed and application simplicity against flexibility and loan term options. Assess repayment types and verify any fees, especially for early repayments. Align loan features with your franchise cash flow and seasonal income patterns. Always compare lender terms carefully before making a decision.

Conclusion

Choosing the right lender depends on your specific loan needs and business type. Banks typically suit established businesses seeking longer terms and competitive rates, while brokers and specialists may offer faster access and tailored options for niche sectors. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. For those seeking a 200 thousand pounds loan or similar, understanding each provider’s focus on collateral, repayment flexibility, and loan size is essential to selecting the best fit. Always verify the latest terms directly with the lender before committing.

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FAQs

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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2Nucleus Commercial FinanceNucleus Commercial Finance offers business loans tailored to help UK companies grow, with customised packages to suit different business needs.£5,000–£500,000; 6.9%–24.9% APR; 3 to 60 months
3IwocaIwoca provides flexible and short-term financing solutions tailored for SMEs, offering business loans up to £500,000 with quick decision-making.£1,000–£500,000; 6%–29.9% APR; 1 to 24 months
4BarclaysBarclays offers a wide range of financial products including business loans, supporting UK businesses with unsecured loan options.£1,000–£100,000; 11.2%–14.9% APR; 1 to 10 years
5Lloyds BankLloyds Bank offers business loans with competitive rates and flexible terms, helping SMEs to expand or invest in new projects.£1,000–£150,000; 8.9%–15.6% APR; 1 to 25 years
6NatwestNatwest provides a selection of business financing options tailored to help UK companies with flexible borrowing and competitive rates.£25,001–£1,000,000; 6.5%–13.5% APR; 1 to 10 years
7BizcapBizcap offers fast and flexible business loans, providing funding solutions designed for quick access and minimal documentation.£5,000–£250,000; 10%–26% APR; 3 to 36 months
8White Oak UKWhite Oak UK specialises in SME finance solutions, offering a wide range of tailored business funding options to UK companies.£20,000–£2,000,000; 7.5%–22.5% APR; 6 to 84 months
9ShawbrookShawbrook offers a range of lending products designed for UK SMEs, providing both secured and unsecured business loans.£25,000–£350,000; 5%–20% APR; 12 to 60 months
10OnDeckOnDeck provides fast business loans with short-term lending options, focusing on providing capital quickly to small businesses.£5,000–£400,000; 9.9%–35.6% APR; 3 to 24 months
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