Best Unsecured Commercial Loan Lenders for Consultancy 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 offers quick, flexible unsecured business loans for consultancy firms and SMEs seeking accessible finance solutions. Its focus is on providing rapid decisions and clear terms without collateral requirements. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £250,000
• Min APR: 6%
• Max APR: 25%
• Loan Duration: 3–60 months⌛

Services & Industries

• Finance Types: Unsecured Loans
• Industries: Consultancy

Pros

• Fast approval process
• No collateral required

Cons

• Higher APR for lower credit scores

Sources: https://www.fundingagent.co.uk/post/best-unsecured-business-loan-lenders-for-consultancy-firms-uk

2. Funding Circle

Funding Circle is a platform at the forefront of small business financing, offering unsecured loans suitable for growth or working capital. It connects borrowers with investors through flexible terms. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £750,000
• Min APR: 6.9%
• Max APR: 15%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: Unsecured Loans, Business Loans
• Industries: SMEs, Consultancy

Pros

• Quick application
• Transparent fees

Cons

• Higher rates for riskier profiles

Sources: https://www.fundingcircle.co.uk,https://aptpayment.co.uk/business-loans/funding-circle/ https://www.fundingcircle.co.uk,https://aptpayment.co.uk/business-loans/funding-circle/

3. Nucleus Commercial Finance

Nucleus Commercial Finance is known for providing diversified financing options including unsecured business loans and asset-based solutions, suitable for SMEs and consultancy firms seeking flexible capital. Its offerings support growth and refinancing needs with accessible terms. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £50,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 1–5 years⌛

Services & Industries

• Finance Types: Unsecured Loans, Short-term Loans
• Industries: Consultancy, SMEs

Pros

• Flexible terms
• High loan amounts

Cons

• Potentially higher interest for unsecured

Sources: https://nucleusprelaunch.328234838193491-cloud.co.uk/short-term-business-loans/

4. Iwoca

Iwoca provides quick and accessible funding options mainly for small to medium sized enterprises needing working capital or growth finance. Its platform offers quick approval and flexible repayment choices, including unsecured and credit line products. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 4.5%
• Max APR: 18%
• Loan Duration: 1–24 months⌛

Services & Industries

• Finance Types: Unsecured Loans, Credit Lines
• Industries: Retail, Hospitality, Consultancy

Pros

• Fast decision
• Flexibility in repayments

Cons

• Short loan terms

Sources: https://www.iwoca.co.uk,https://en.wikipedia.org/wiki/Iwoca https://www.iwoca.co.uk,https://en.wikipedia.org/wiki/Iwoca

5. Fleximize

Fleximize provides flexible unsecured business loans for SME growth, including options suitable for consultancy firms. Its platform prioritises quick access and adaptable repayment plans, with focus on accessibility and convenience. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 10.2%
• Max APR: 25%
• Loan Duration: 1–60 months⌛

Services & Industries

• Finance Types: Unsecured Loans, Asset-Backed Loans
• Industries: Marketing, Consultancy

Pros

• Loyalty discounts
• No early repayment fees

Cons

• Higher initial APR

Sources: https://www.fleximize.co.uk,https://www.capalona.co.uk/our-lenders/fleximize/ https://www.fleximize.co.uk,https://www.capalona.co.uk/our-lenders/fleximize/

6. LendingCrowd

LendingCrowd is a peer-to-peer lending platform that connects UK SMEs with investors seeking alternatives to traditional finance. It offers unsecured and other loan types suitable for growth or working capital. Here's what to know:

Loan Details

• Min Amount: £75,000
• Max Amount: £500,000
• Min APR: 5%
• Max APR: 20%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: Peer-to-peer Loans, Unsecured Loans
• Industries: Consultancy, SMEs

Pros

• Competitive rates
• Flexible repayment plans

Cons

• Requires trading history

Sources: https://www.alternativebusinessfunding.co.uk/funders/lendingcrowd/

7. Portman Finance

Portman Finance offers flexible unsecured business loans with options for different credit profiles, suitable for consultancy firms in the UK. Its approach allows for tailored repayment plans aligned with business cash flow. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £250,000
• Min APR: 6.5%
• Max APR: 24%
• Loan Duration: 12–60 months⌛

Services & Industries

• Finance Types: Unsecured Loans, Hire Purchase
• Industries: Consultancy, Retail

Pros

• Specialist consultancy advice
• Quick funding

Cons

• Strict credit checks

Sources: https://www.finder.com/uk/business-loans/finder-business-loans-customer-satisfaction-awards-2025

8. Love Finance

Love Finance offers customer-focused unsecured loans suitable for consultancy firms and SMEs seeking straightforward funding. Its platform prioritises ease of access and simple repayment options. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £250,000
• Min APR: 6%
• Max APR: 20%
• Loan Duration: 12–60 months⌛

Services & Industries

• Finance Types: Unsecured Loans, Business Loans
• Industries: Consultancy

Pros

• User-friendly application
• Transparent rates

Cons

• Limited to lower amounts

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

9. White Oak

White Oak provides flexible unsecured loans and asset finance options for commercial needs. It serves different sectors including consultancy, with an emphasis on flexible terms and growth funding. Here's what to know:

Loan Details

• Min Amount: £30,000
• Max Amount: £750,000
• Min APR: 5.5%
• Max APR: 22%
• Loan Duration: 12–84 months⌛

Services & Industries

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

Pros

• Longer loan terms available
• Flexible finance options

Cons

• Higher interest rates for extended terms

Sources: https://www.fundingagent.co.uk/post/white-oak-vs-lending-crowd

10. BCRS Business Loans

BCRS Business Loans supports small business growth through unsecured loans, targeting consultancy and sector-specific needs. It offers flexible options for different stages of development and recovery. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £150,000
• Min APR: 5.9%
• Max APR: 19%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: Unsecured Loans, Growth Loans
• Industries: Consultancy, Small Businesses

Pros

• Local support
• Flexible funding solutions

Cons

• Limited loan sizes

Sources: https://bcrs.org.uk/business-loans/

How to choose

When selecting a lender for your consultancy agency, consider the purpose of the loan and your business profile. Unsecured loans are generally quicker and may require less security but often come with higher rates. Brokers can provide access to multiple lenders and better terms, while sector-specific providers might offer more tailored products. Assess your repayment capacity, the urgency of funding, and the costs involved to find the best fit. Comparing fees, eligibility criteria, and flexibility will help you choose wisely. Always verify current costs and terms directly with the lender before applying.

Conclusion

Matching the right provider to your needs is key. Use bank loans for straightforward, secured financing. Brokers can help find unsecured options quickly. Sector specialists or peer-to-peer platforms are suitable for more flexible or larger funding. 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.