Best Unsecured Commercial Loan Lenders for Marketing 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 Funding Agent provides tailored financial solutions to marketing agencies in the UK, offering unsecured business loans. It suits UK SMEs seeking clear options and predictable terms. 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: Variable⌛

Services & Industries

• Finance Types: Unsecured Business Loans
• Industries: Marketing, Technology, Small Business

Pros

• Fast approval
• Flexible terms

Cons

• Higher interest rates for low credit scores

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

2. Fleximize

Fleximize Fleximize offers unsecured loans to SMEs, including marketing agencies, with amounts up to £500,000 and flexible terms. It provides quick access to funding with adaptable repayment options. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 8.9%
• Max APR: 25%
• Loan Duration: 3–24 months⌛

Services & Industries

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

Pros

• Flexible repayment
• Top-ups available

Cons

• High minimum turnover requirement

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

3. Bizcap

Bizcap Bizcap is a financial service provider offering quick unsecured business loans suitable for different sectors and funding needs. It provides flexible options for working capital or growth. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £750,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Up to 36 months⌛

Services & Industries

• Finance Types: Unsecured Business Loans, Lines of Credit
• Industries: Retail, Underserved industries

Pros

• No up-front credit check
• Fast funding

Cons

• Higher interest rates

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

4. Johnson Reed

Johnson Reed Johnson Reed offers tailored unsecured business finance options suitable for various sectors. It helps SMEs access flexible funding without collateral, focusing on quick and straightforward approvals. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £5,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 12–60 months⌛

Services & Industries

• Finance Types: Unsecured Business Loans
• Industries: Hospitality, Retail

Pros

• Quick approval process
• Flexible finance options

Cons

• Limited to certain sectors

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

5. Funding Options

Funding Options Funding Options is a marketplace connecting SMEs with various lenders for unsecured business loans. It offers quick access to multiple funding sources. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £20,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 6–72 months⌛

Services & Industries

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

Pros

• Variety of lenders
• Quick application

Cons

• Complex application process

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

6. Approved Finance

Approved Finance Approved Finance provides business loans to SMEs focused on cash flow improvement and growth. It offers tailored options suitable for various sectors. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £750,000
• Min APR: 6%
• Max APR: 12%
• Loan Duration: 3–24 months⌛

Services & Industries

• Finance Types: Unsecured Business Loans
• Industries: Various SME sectors

Pros

• Tailored finance solutions

Cons

• Limited loan amounts

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

7. LendingCrowd

LendingCrowd LendingCrowd is a peer-to-peer lending platform that connects SMEs with investors for unsecured loans. It enables flexible funding options for business growth. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: Peer-to-peer loans, Unsecured Loans
• Industries: Various

Pros

• No early payment fees

Cons

• Requires good creditworthiness

Sources: https://www.lendingcrowd.com

8. Iwoca

Iwoca Iwoca offers fast and flexible unsecured loans to UK SMEs, including marketing firms. It helps access working capital with straightforward repayment options. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £200,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 12 months⌛

Services & Industries

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

Pros

• Quick approvals

Cons

• Higher rates for small loans

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

9. Nucleus Commercial Finance

Nucleus Commercial Finance Nucleus offers varied funding options, including unsecured loans, to support SMEs' growth. It works well for businesses seeking quick access to flexible capital without security. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 6%
• Max APR: 12%
• Loan Duration: Up to 60 months⌛

Services & Industries

• Finance Types: Unsecured Business Loans, Revenue-based loans
• Industries: Various

Pros

• Flexible loan options

Cons

• Less suitable for very small businesses

Sources: https://nucleuscommercialfinance.com

10. Funding Xchange

Funding Xchange Funding Xchange provides a platform connecting SMEs with multiple lenders for unsecured loans. It helps SMEs compare options efficiently. Here's what to know:

Loan Details

• Min Amount: £3,000
• Max Amount: £250,000
• Min APR: 5%
• Max APR: 15%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: Marketplace Loans
• Industries: Various

Pros

• Price comparison

Cons

• Limited personal support

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

How to choose

Matching the right lender involves assessing your funding needs and repayment capacity. For marketing agencies seeking quick, unsecured solutions, broker platforms or online marketplaces can offer broad options. If you require higher sums or more complex arrangements, a bank or specialist lender might be appropriate. Consider factors like loan size, APR, repayment terms, and lender responsiveness. Always review fees and early repayment conditions before proceeding. Making an informed choice helps ensure the loan aligns with your agency's cash flow and growth plans.

Conclusion

Matching the provider type to your use case is key. Banks or specialist lenders suit larger or secured needs. Broker platforms and online marketplaces work well for quick, unsecured funding. 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.