The Best Working Capital Loans 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 2025-10-07.

1. Funding Agent

Funding Agent Funding Agent provides a variety of financial solutions tailored for consultancy agencies with a streamlined application process and competitive rates. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £1,000,000
• Min APR: 5%
• Max APR: 15%
• Loan Duration: 1–72 months⌛

Services & Industries

• Finance Types: Term Loans, Lines of Credit
• Industries: Consultancy

Pros

• Fast approvals
• Competitive rates

Cons

• Requires good credit rating

Sources: https://www.fundingagent.co.uk/financing-options/working-capital-loans-for-consultancy-agencies

2. Swoop Funding

Swoop Funding Swoop Funding offers a broad range of funding options, including loans, equity finance, and grants. Suitable for SMEs that need flexible funding solutions that can adapt to different needs. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £5,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 1–24 months⌛

Services & Industries

• Finance Types: Loans, Equity Finance, Grants
• Industries: General UK SMEs

Pros

• Wide range of funding options
• Tailored solutions

Cons

• Complex application process

Sources: https://www.fundingagent.co.uk/post/top-franchise-finance-lenders-in-the-uk

3. Capify

Capify Capify specialises in providing quick access to working capital through alternative finance options well-suited for SMEs needing fast funding. It offers flexibility on repayment types and security options for business growth needs. 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: 12 months⌛

Services & Industries

• Finance Types: Merchant Cash Advance, Business Loans
• Industries: Various UK SMEs

Pros

• Fast funding
• Flexible options

Cons

• High interest rates

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

4. Boost Capital

Boost Capital Boost Capital provides unsecured short-term loans suitable for quick funding to UK SMEs. It offers rapid access with flexible repayment options, making it suitable for dynamic growth needs. Here's what to know:

Loan Details

• Min Amount: £3,000
• Max Amount: £500,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Short-term⌛

Services & Industries

• Finance Types: Unsecured Loans
• Industries: Various UK SMEs

Pros

• No collateral required
• Quick funding

Cons

• Limited loan amounts

Sources: https://loansmate.co.uk/business/boost-capital

5. Novuna

Novuna Novuna provides cash flow finance solutions predominantly for SMEs aiming to improve working capital. They offer flexible repayment options and straightforward application processes to help businesses manage fluctuating cash flow efficiently. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £200,000
• Min APR: 6.9%
• Max APR: 6.9%
• Loan Duration: 60 months⌛

Services & Industries

• Finance Types: Cash Flow Loans, Unsecured Loans
• Industries: Various UK SMEs

Pros

• Flexible repayment
• Fast fund release

Cons

• Limited to specific industries

Sources: https://www.novuna.co.uk/business-cash-flow/cash-flow-finance-resource-hub/business-cash-flow-loans/

6. Investec

Investec Investec provides a range of business finance options including asset finance, working capital, and specialised funding. They serve companies seeking flexible, varied funding sources with straightforward processes. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £25,000
• Min APR: 25.5%
• Max APR: 25.5%
• Loan Duration: Various⌛

Services & Industries

• Finance Types: Debt Capital, Equity Financing
• Industries: Various sectors

Pros

• Diverse financial products
• Expert advisory

Cons

• High APR for unsecured loans

Sources: https://www.investec.co.uk/business

7. Funding Circle

Funding Circle Funding Circle offers fast, accessible small business finance with a simple application process and competitive rates. It is suitable for SMEs looking for trustworthy funding options that are quick to secure. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £750,000
• Min APR: 6.9%
• Max APR: 12%
• Loan Duration: Up to 6 years⌛

Services & Industries

• Finance Types: Term Loans
• Industries: General UK SMEs

Pros

• Quick approvals
• Transparent terms

Cons

• Strict eligibility criteria

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

8. Fleximize

Fleximize Fleximize offers flexible loan options including working capital and business expansion funding. Known for personalized service, it caters to SMEs needing adaptable terms and quick access. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 8.9%
• Max APR: 25%
• Loan Duration: Up to 60 months⌛

Services & Industries

• Finance Types: Unsecured Loans
• Industries: Various UK SMEs

Pros

• Personalized solutions
• Flexible repayment options

Cons

• Higher initial APR

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

9. Prospera Funding

Prospera Funding Prospera Funding offers rapidly accessible business loans with a focus on speed and competitive rates. Suitable for SMEs seeking straightforward funding without complex procedures, and with quick turnaround times. Here's what to know:

Loan Details

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

Services & Industries

• Finance Types: Business Loans
• Industries: Various UK SMEs

Pros

• Low rates
• No credit checks

Cons

• Lack of detailed loan amount info

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

10. White Oak UK

White Oak UK White Oak UK offers tailored financial solutions and business loans to SMEs, focusing on growth and operational needs. They provide flexible options suited for different budgets and asset-backed funding opportunities. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £2,000,000
• Min APR: 6.95%
• Max APR: 9%
• Loan Duration: Various⌛

Services & Industries

• Finance Types: Invoice Finance, Asset-Based Lending
• Industries: General UK SMEs

Pros

• Custom solutions
• Large loan amounts

Cons

• High arrangement fees

Sources: https://www.ldf.co.uk/flipside-business-finance

How to choose

Match loan size and APR to your budget, check eligibility, and balance speed against flexibility. Consider how repayments fit your franchise cash flow and seasonality. Review lender criteria, fees, and early repayment terms before applying. For consultancy agencies, the choice often depends on your borrower's needs. Banks may offer larger, secured loans with competitive rates. Brokers can access a wider range of options, including unsecured and specialised funding. Sector-specific lenders might provide faster or more tailored solutions. Evaluating your financing priorities will help in selecting the right provider.

Conclusion

Matching your finance provider to your needs depends on your use case. Banks are suitable for larger, secured loans. Brokers can offer flexible options for different circumstances. Specialist lenders often serve certain sectors or faster access. 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.