The Best Unsecured Business loan Lenders for Accountancy Firms in the UK for 2025
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 2025-10-03.
Funding Agent Funding Agent offers unsecured business loans tailored for accountancy firms across the UK. 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: 6.9%
- Max APR: 8.9%
- Loan Duration: 3-72 months⌛
Services & Industries
- Finance Types: Unsecured Business Loans
- Industries: Accountancy
Pros
- Tailored loans for accountancy firms
- Competitive rates
Performance Finance Performance Finance provides finance solutions like unsecured loans for professionals in the legal and medical fields. It offers quick access to funding with flexible repayment options, often brokered to match specific needs. Here's what to know:
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 6.9%
- Max APR: 0%
- Loan Duration: Up to 7 years⌛
Services & Industries
- Finance Types: Unsecured Loans, Professional Loans
- Industries: Medical, Legal
Pros
- Fast approvals
- Fixed rates
Cons
- Primarily serves medical and legal professionals
Rangewell Rangewell is a broker that connects UK SMEs with multiple lenders to find suitable business finance options. It offers brokers access to a wide range of unsecured and secured funding. Here's what to know:
Loan Details
- Min Amount: £500
- Max Amount: £25,000
- Min APR: 6%
- Max APR: 0%
- Loan Duration: Unknown⌛
Services & Industries
- Finance Types: Brokered Business Loans
- Industries: Various industries
Cons
- Potentially longer approval times
Fleximize Fleximize offers customised unsecured business loans, suitable for various industries. It provides quick access to funding with flexible 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: 3-48 months⌛
Services & Industries
- Finance Types: Unsecured Business Loans
- Industries: Various industries
Pros
- Flexible repayment options
- High maximum loan amounts
Cons
- Higher APR for new clients
MAF Finance MAF Finance Group provides a range of unsecured and secured finance solutions primarily brokered to UK businesses. It offers flexible options for growth and working capital. Here's what to know:
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3-72 months⌛
Services & Industries
- Finance Types: Business Loans, Asset Finance
- Industries: Manufacturing, Various
Pros
- High loan cap
- Flexible terms
Johnson Reed Johnson Reed offers flexible financial products for various professional sectors. Its services include unsecured loans and equipment finance, suitable for sectors seeking customised funding. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £5,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies⌛
Services & Industries
- Finance Types: Unsecured Business Loans, Equipment Finance
- Industries: Hospitality, Retail, IT, Construction
Pros
- Fast approvals
- Sector-specific solutions
Cons
- High maximum amount may not be necessary for all
Funding Options Funding Options is a marketplace connecting UK businesses to a network of lenders for various funding types. It offers access to unsecured, secured, or alternative finance depending on needs. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £20,000,000
- Min APR: 6%
- Max APR: 15%
- Loan Duration: Varies⌛
Services & Industries
- Finance Types: Business Loans, Invoice Finance
- Industries: Various
Pros
- Wide lender network
- High loan amounts available
Cons
- Marketplace model may introduce variances
Portman Finance Portman Finance provides funding options including business loans and asset finance for UK SMEs. It offers flexible terms and a comprehensive service for growth. Here's what to know:
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 4.4%
- Max APR: 30%
- Loan Duration: Up to 6 years⌛
Services & Industries
- Finance Types: Business Loans, Asset Finance
- Industries: Various
Pros
- Robust funding options
- Strong industry reputation
Cons
- Higher rates may apply depending on risk profile
Johnson Reed Johnson Reed offers flexible financial products for different professional sectors, including unsecured loans and equipment finance. Its services support businesses seeking adaptable funding solutions. Here's what to know:
Loan Details
- Min Amount: £0
- Max Amount: £200,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies⌛
Services & Industries
- Finance Types: Unsecured Loans, Equipment Finance
- Industries: Variety of sectors
Cons
- Details can vary widely per sector
Portman Finance Portman Finance has funded over a billion pounds to UK SMEs. It offers flexible options for business loans and asset finance. It supports sectors seeking tailored funding solutions. Here’s what to know:
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 4.4%
- Max APR: 30%
- Loan Duration: Up to 6 years⌛
Services & Industries
- Finance Types: Business Loans, Asset Finance
- Industries: Various
Pros
- Robust funding options
- Strong industry reputation
Cons
- Higher rates may apply depending on risk profile
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. Selecting the right lender depends on your particular business needs. Consider whether a broker, a direct lender or a specialised provider offers the best solution. Carefully compare the terms offered to find a suitable fit for your firm in 2025.
Conclusion
Matching the right provider depends on your needs. Bank lenders may offer rate stability but require rigorous qualification. Brokers can connect you quickly with multiple options. Sector specialists provide tailored solutions for specific industries. 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.
