The best Revolving Credit 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 2025-10-06.

1. Funding Agent

Funding Agent Funding Agent offers diverse lending options to UK SMEs. It specialises in quick, flexible funding solutions suitable for working capital, growth, or sector-specific needs. The platform connects borrowers with lenders, providing accessible and transparent financing options.

Loan Details

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

Services & Industries

• Finance Types: Asset Finance, Invoice Finance, Merchant Cash Advance
• Industries: Marketing, Retail, Hospitality

Pros

• Competitive rates
• Flexible repayment options

Cons

• Not available for all industries

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

2. Funding Circle

Funding Circle Funding Circle is a prominent UK platform enabling SME borrowing. It provides streamlined access to small business loans, often brokered through online matching with investors. It is suitable for franchises needing flexible finance with quick approval.

Loan Details

• Min Amount: £5,000
• Max Amount: £750,000
• Min APR: 6.9%
• Max APR: 25%
• Loan Duration: 6–72 months⌛

Services & Industries

• Finance Types: Term Loans, Unsecured Loans
• Industries: Manufacturing, Retail, Professional Services

Pros

• Quick decision making
• No early settlement fees

Cons

• Higher rates for riskier profiles

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

3. iwoca

iwoca iwoca offers flexible short-term and working capital loans to SMEs. It specialises in quick approval processes and accessible financing. Its services span unsecured and secured options suitable for straightforward or rapid funding needs.

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 5%
• Max APR: 49%
• Loan Duration: 1–60 months⌛

Services & Industries

• Finance Types: Unsecured Loans, Business Lines of Credit
• Industries: Retail, Hospitality, E-commerce

Pros

• No early repayment fees
• Transparent pricing

Cons

• Higher APR for high-risk borrowers

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

4. Fleximize

Fleximize Fleximize provides flexible funding options for UK SMEs. It focuses on quick access to growth or working capital through unsecured and secured loans. The platform offers personalised terms, suited for businesses seeking adaptable financing.

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, Secured Loans
• Industries: Tech startups, Retail, Consultancy

Pros

• Loyalty discounts available
• Flexible terms

Cons

• Higher unsecured rates

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

5. YouLend

YouLend YouLend offers revenue-based funding designed for UK SMEs needing quick flexible cash based on revenue performance. It connects businesses with funding options that scale with cash flow. Such solutions are suitable for companies with fluctuating revenues and immediate capital needs.

Loan Details

• Min Amount: £3,000
• Max Amount: £1,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Variable based on revenue⌛

Services & Industries

• Finance Types: Revenue-based Financing
• Industries: E-commerce, Retail, Hospitality

Pros

• High approval rate
• Repayments scale with revenue

Cons

• Higher costs than traditional loans

Sources: http://www.youlend.co.uk/

6. Clifton Private Finance

Clifton Private Finance Clifton Private Finance offers specialised bridging and property finance, focusing on property purchase, refinance, and development projects. It provides tailored solutions with flexible terms, often secured on real estate assets. Suitable for property-backed deals requiring quick or structured funding.

Loan Details

• Min Amount: £50,000
• Max Amount: £2,500,000
• Min APR: 7%
• Max APR: 30%
• Loan Duration: 3–60 months⌛

Services & Industries

• Finance Types: Bridging Loans, Development Finance
• Industries: Real Estate, Construction, Investing

Pros

• Specialist property knowledge
• High borrowing limits

Cons

• Higher fees for specialized services

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

7. Swoop Funding

Swoop Funding Swoop offers a broad platform for business finance, including loans, equity, and grants. It utilises brokered connections and provides quick access to various funding sources. Its flexible approach supports diverse UK SME needs for growth or working capital.

Loan Details

• Min Amount: £1,000
• Max Amount: £5,000,000
• Min APR: 6.95%
• Max APR: 15.9%
• Loan Duration: 1–60 months⌛

Services & Industries

• Finance Types: Loans, Equity Finance, Grants
• Industries: Consultancy, E-commerce, Startups

Pros

• Comprehensive financial platform
• Diverse funding sources

Cons

• Complex application for multiple products

Sources: https://swoopfunding.com/

8. Smart Funding Solutions

Smart Funding Solutions Smart Funding offers tailored loan products to UK SMEs, focusing on quick access and flexibility. It specialises in loans related to VAT and corporation tax, providing options for businesses managing cash flow needs with efficient approvals.

Loan Details

• Min Amount: £1,000
• Max Amount: £500,000
• Min APR: 7%
• Max APR: 30%
• Loan Duration: 1–60 months⌛

Services & Industries

• Finance Types: VAT Loans, Corporation Tax Loans
• Industries: Real Estate, Tax Consulting, Corporate

Pros

• Wide lender panel
• Quick funding options

Cons

• Higher APR for high-risk borrowers

Sources: https://smartfundingsolutions.co.uk/

9. Shawbrook Bank

Shawbrook Bank Shawbrook Bank provides specialised lending options for SMEs and property investors. It offers various secured and unsecured products, including asset-backed and growth capital. Its focus is on flexible, quick funding suited for franchise-related projects and business expansion.

Loan Details

• Min Amount: £25,000
• Max Amount: £250,000
• Min APR: 14.1%
• Max APR: 14.1%
• Loan Duration: 12–60 months⌛

Services & Industries

• Finance Types: Unsecured Business Loans, Secured Loans
• Industries: Healthcare, Real Estate, Manufacturing

Pros

• Specialist SME focus
• Fixed interest rates

Cons

• Limited loan amounts

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

10. Lending Expert

Lending Expert Lending Expert compares loans from multiple UK lenders. It focuses on flexible options for SMEs needing quick, straightforward financing. The platform offers searches that incorporate different types of credit and repayment structures suitable for sector-specific needs.

Loan Details

• Min Amount: £1,000
• Max Amount: £31,500,000
• Min APR: 4.66%
• Max APR: 0%
• Loan Duration: Variable⌛

Services & Industries

• Finance Types: Unsecured Loans, Secured Loans
• Industries: All

Pros

• Comprehensive comparison
• Wide range of options

Cons

• Indirect lender
• Limited service area

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

How to choose

Matching the right lender for a marketing agency seeking asset revolving credit involves understanding your specific needs. Bank loans can offer straightforward, quick funding but may have stricter criteria. Brokered platforms or online comparison tools help uncover a range of options and better rates, especially for unsecured or flexible solutions. It is important to evaluate fees, repayment terms, and flexibility relative to your cash flow and project timelines. Considering sector-specific lenders can also improve approval chances and tailor-fit solutions for your business objectives.

Conclusion

Matching lender types to your needs depends on your project. Banks generally suit larger, secured financing with predictable terms. Brokers can connect you with a range of options across providers. Specialist lenders offer tailored solutions for property or sector-specific finance. Use comparison tools like Funding Agent to find the best fit for your agency and project goals. Always verify current costs and terms with the lender before proceeding.