Best Unsecured Commercial Loan Lenders for Accountancy Firms 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 Agent offers unsecured business loans for small and medium-sized enterprises. It supports quick access without collateral requirements and flexible repayment options. Suitable for firms needing straightforward funding for growth or working capital.

Loan Details

• Min Amount: £1,000
• Max Amount: £500,000
• Min APR: 6.9%
• Max APR: 15.9%
• Loan Duration: 1–25 years⌛

Services & Industries

• Finance Types: Unsecured loans, Business loans
• Industries: Accountancy

Pros

• Low APR rates
• High loan amounts

Cons

Sources: https://www.fundingagent.co.uk/post/top-10-unsecured-business-loans-for-startups-in-the-uk

2. Performance Finance

Performance Finance Performance Finance supplies unsecured loans suited for professional services and service providers. It aims to deliver fast decisions and flexible funding options for firms needing short-term or growth capital without collateral.

Loan Details

• Min Amount: £25,000
• Max Amount: £2,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Up to 7 years⌛

Services & Industries

• Finance Types: Unsecured loans, Business loans
• Industries: Legal, Accountancy, Medical

Pros

• Fast approval

Cons

• APR not transparent

Sources: https://www.performancefinance.co.uk/news-media/let-us-help-you-on-the-road-to-the-new-normality/

3. Johnson Reed

Johnson Reed Johnson Reed offers flexible, unsecured business loans suitable for SMEs seeking flexible funding options. It supports short- or long-term repayment structures with no collateral requirements, often for working capital or business expansion.

Loan Details

• Min Amount: £2,000
• Max Amount: £500,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Unsecured loans, Business loans
• Industries: Restaurants, Retail

Pros

• High approval rate

Cons

• APR details not provided

Sources: https://www.johnsonreed.co.uk/uncategorized/business-finance-calculator

4. Fleximize

Fleximize Fleximize provides unsecured loans for business growth and working capital. It supports companies looking for flexible borrowing with quick decision times. Suitable for firms planning to expand or bridge periods of cash flow variation.

Loan Details

• Min Amount: £10,000
• Max Amount: £500,000
• Min APR: 8.9%
• Max APR: 25%
• Loan Duration: Up to 60 months⌛

Services & Industries

• Finance Types: Unsecured loans, Business loans
• Industries: Retail, Services

Pros

• Award-winning service

Cons

• Higher APR for lower credit scores

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

5. Portman Finance Group

Portman Finance Group Portman Finance provides unsecured business loans for working capital and growth. It supports SMEs with flexible terms and high borrowing limits, often offering brokered access to a variety of products suited to different needs.

Loan Details

• Min Amount: £10,000
• Max Amount: £2,000,000
• Min APR: 5%
• Max APR: 30%
• Loan Duration: Up to 6 years⌛

Services & Industries

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

Pros

• High loan limits

Cons

• Wide APR range

Sources: https://portmanfinancegroup.co.uk/business-loans/small-business-loans/

6. Merchant Savvy

Merchant Savvy Merchant Savvy compares unsecured business loans from various lenders for SMEs and provides a wide choice. It is not a direct lender but offers access to multiple options for different borrowing needs.

Loan Details

• Min Amount: £5,000
• Max Amount: £250,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Unsecured loans
• Industries: Various

Pros

• Wide comparison range

Cons

• Information aggregator not direct lender

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

7. Money.co.uk

Money.co.uk Provides comparisons for business loans across a range of amounts. It is suitable for firms seeking quick access to multiple options with flexible repayment terms and competitive rates.

Loan Details

• Min Amount: £500
• Max Amount: £15,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: Unknown⌛

Services & Industries

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

Pros

• Large loan comparison

Cons

• Indirect application

Sources: https://www.money.co.uk/business/business-loans

8. Nerdwallet UK

Nerdwallet UK Specialises in connecting small businesses with unsecured loan options. It aims to streamline the borrowing process by presenting suitable choices quickly and efficiently, supporting growth or working capital needs.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 6%
• Max APR: 15%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Unsecured loans
• Industries: Various

Pros

• Quick application process

Cons

• Information aggregator not lender

Sources: https://www.nerdwallet.com/uk/business-loans/unsecured-loans/

9. Funding Options

Funding Options offers a marketplace connecting SMEs with diverse funding providers. It enables quick comparison and selection of suitable unsecured options without the need for collateral and with flexible terms.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Various loans
• Industries: Various

Pros

• Fast processing
• No obligation

Cons

• Indirect lender

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

10. Simply Business

Simply Business compares small business loan options suitable for various purposes. It provides a comprehensive overview of different terms and rates, aiding businesses in choosing appropriate funding. It is ideal for firms looking for quick, clear comparisons to support decision-making.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Various loans
• Industries: Various

Pros

• Detailed comparison

Cons

• Indirect lender

Sources: https://www.simplybusiness.co.uk/knowledge/funding/best-small-business-loans/

How to choose

Matching loan options to your accountancy firm's needs involves assessing the loan purpose and amount. Unsecured options are generally quicker and less strict but may have higher rates. Consider your firm’s cash flow, repayment flexibility, and eligibility criteria. Comparing lenders on fees and early repayment conditions helps ensure the best fit. Carefully review each provider’s terms to avoid surprises and find the most suitable solution.

Conclusion

Choosing the right provider depends on your specific needs. Bank lenders may offer lower rates but require collateral and longer processes. Brokers and online marketplaces can provide quick access and multiple options without security. Always confirm current costs and terms with the lender; pricing may change. 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.