The Best Working Capital Loans 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 2025-10-07.

1. Funding Agent

Funding Agent Funding Agent specialises in business loans for SMEs and has a strong focus on quick application processes and tailored funding options. It suits marketing agencies looking for flexible, unsecured financing solutions with clear terms. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £1,000,000
• Min APR: 6.9%
• Max APR: 24.9%
• Loan Duration: 3–72 months⌛

Services & Industries

• Finance Types: Unsecured Loans, Equity Finance
• Industries: Marketing, Retail, Technology

Pros

• Flexible financing options
• Comprehensive comparison platform

Cons

• Strict eligibility criteria

Sources: https://www.fundingagent.co.uk/post/best-lenders-for-marketing-agencies-in-the-uk

2. Funding Circle

Funding Circle Funding Circle connects small businesses to investors through a peer-to-peer platform. It offers straightforward borrowing options suitable for marketing agencies seeking quick, predictable funding. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £750,000
• Min APR: 6.9%
• Max APR: 10%
• Loan Duration: 1–6 years⌛

Services & Industries

• Finance Types: Term Loans
• Industries: Various including Marketing

Pros

• Quick application process
• Competitive APR rates

Cons

• Not suitable for startups

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

3. iwoca

iwoca Iwoca offers flexible business loans with quick approval and adaptable repayment options. It is suitable for marketing agencies needing fast access to funds and flexible terms. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £200,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 3–24 months⌛

Services & Industries

• Finance Types: Flexible Loans
• Industries: Retail, Marketing, Hospitality

Pros

• Fast approval times
• Flexible repayment plans

Cons

• Higher interest rates for lower credit scores

Sources: https://www.iwoca.co.uk/finance-explained/business-loan-interest-rates

4. Swoop Funding

Swoop Funding Swoop Funding provides access to a variety of financial products for SMEs, including loans, equity finance, and grants. It caters to marketing agencies seeking diverse funding options with straightforward application procedures. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 6.9%
• Max APR: 24.9%
• Loan Duration: 3–72 months⌛

Services & Industries

• Finance Types: Loans, Equity Finance, Grants
• Industries: Various including Marketing

Pros

• Diverse funding options
• User-friendly platform

Cons

• Variable interest rates

Sources: https://swoopfunding.com/uk/business-loans

5. Fleximize

Fleximize Fleximize offers flexible, tailored business loans and overdraft options. It is suitable for marketing agencies needing quick, adaptable funding with transparent terms. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 8.9%
• Max APR: 25%
• Loan Duration: 3–60 months⌛

Services & Industries

• Finance Types: Unsecured Loans
• Industries: Marketing, Healthcare, Construction

Pros

• Loyalty discounts on repeat loans
• No hidden fees

Cons

• Higher rates for bad credit

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

6. Portman Finance

Portman Finance Portman Finance provides a range of financial products including asset finance, commercial loans, and leasing solutions. It focuses on quick access to financing for SMEs. Its offerings are suitable for those seeking adaptable, unsecured or secured funding that can support growth or operations. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £2,000,000
• Min APR: 8%
• Max APR: 19%
• Loan Duration: 12–72 months⌛

Services & Industries

• Finance Types: Asset Finance, Leasing Solutions
• Industries: Construction, Manufacturing, Marketing

Pros

• Comprehensive lending options
• Dedicated account managers

Cons

• Interest rates based on credit history

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

7. Boost Capital

Boost Capital Boost Capital provides fast funding options for small businesses. It offers short-term business loans and cash advances to marketing agencies needing quick access to capital. Its flexible approach suits those with immediate funding needs. Here's what to know:

Loan Details

• Min Amount: £3,000
• Max Amount: £500,000
• Min APR: 18.22%
• Max APR: 1721%
• Loan Duration: 4–12 months⌛

Services & Industries

• Finance Types: Merchant Cash Advances
• Industries: Retail, Hospitality, Professional Services

Pros

• Quick funding decisions
• Easy application process

Cons

• High maximum APR

Sources: https://boostcapital.co.uk

8. Capify

Capify Capify offers unsecured business loans for UK SMEs. It focuses on quick access to funding and flexible repayment options for agencies with immediate operational needs. The loans can be secured or unsecured depending on the product. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £300,000
• Min APR: 67.89%
• Max APR: 100%
• Loan Duration: 6–12 months⌛

Services & Industries

• Finance Types: Unsecured Loans
• Industries: Retail, Marketing, Professional Consultancy

Pros

• Same-day funding available
• Flexible repayment terms

Cons

• High overall cost due to APR

Sources: https://www.capify.co.uk/annual-percentage-rate-apr-explained/

9. PayPal Working Capital

PayPal Working Capital PayPal offers a financing scheme based on sales through its platform. It provides quick cash flow support with fixed fees instead of traditional interest rates. It is suitable for marketing agencies with steady PayPal sales and flexible repayment options, often without requiring collateral. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £100,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Varies based on sales⌛

Services & Industries

• Finance Types: Working Capital Loans
• Industries: E-commerce, Online Retail, Marketing

Pros

• No interest rates
• Flexible payments

Cons

• Limits on loan amounts tied to account sales

Sources: https://www.paypal.com/uk/workingcapital/

10. Novuna

Novuna Novuna offers a range of financial products for SMEs that focus on straightforward, transparent funding options. It is suitable for marketing agencies and other small businesses seeking predictable terms and quick access. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £35,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Flexible⌛

Services & Industries

• Finance Types: Cash Flow Finance, Unsecured Loans
• Industries: Retail, Services, Manufacturing

Pros

• Transparent terms and conditions
• Streamlined application process

Cons

• Higher rates for unsecured options

Sources: https://www.novuna.co.uk/business-finance/

How to choose

When selecting a working capital loan for a marketing agency in the UK, consider your specific funding needs. Bank lenders often provide larger, secured loans with lower rates but require collateral and detailed vetting. Brokers can facilitate access to a range of products, including specialised or alternative loans tailored to agency needs. Evaluate repayment options, speed of approval, and costs before committing. Matching the right provider to your budget and operational flow is key to effective funding.

Conclusion

Matching the right lender or platform to your funding purpose is important. Banks typically offer larger secured loans suitable for property or asset purchase. Broker services can help access a wider range of options, including unsecured or specialised funding. Sector-specific providers like Funding Agent or alternative providers offer quick comparisons tailored to marketing agencies. Always confirm current costs and terms with the lender; pricing may change.