Top Asset Finance Lenders for Accountancy Firms 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 provides unsecured business loans with loan amounts up to £500,000 and APR as low as 6.9%. 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: 12-60 months⌛

Services & Industries

• Finance Types: Unsecured Business Loans
• Industries: Accountancy

Pros

• Low APR rates
• High maximum loan amount

Cons

• Limited to unsecured options

Sources: https://www.fundingagent.co.uk/post/best-unsecured-business-loan-lenders-for-accountants-uk

2. Aldermore

Aldermore Aldermore delivers flexible business finance options including term loans and asset finance. It is suitable for firms seeking growth capital or working capital secured on assets. Here's what to know:

Loan Details

• Min Amount: £25,000
• Max Amount: £2,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 3 months to 20 years⌛

Services & Industries

• Finance Types: Business Loans, Invoice Finance
• Industries: Various

Pros

• Flexible repayment terms
• Supports business growth

Cons

• APR details not readily available

Sources: https://www.aldermore.co.uk/business-finance/invoice-finance/growth-guarantee-scheme/

3. Lombard

Lombard Lombard is part of NatWest Group offering asset finance and funding solutions for sustainable growth and project finance. It is suitable for firms seeking secured credit for major investments or refinancing. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £250,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 1-7 years⌛

Services & Industries

• Finance Types: Asset Finance, Renewable Energy Finance
• Industries: Renewable Energy, Business Management

Pros

• Part of a large banking group
• Focus on sustainability

Cons

• Limited APR details

Sources: https://www.lombard.co.uk/assets/sustainable-finance/renewable-energy.html

4. ABN Amro

ABN Amro ABN Amro offers corporate banking services with options for business financing, including asset-backed and unsecured loans. It caters to firms needing flexible funding solutions. 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: Corporate Banking, Commercial Finance
• Industries: Financial Services, Food Retail

Pros

• Specialized corporate services
• Diverse industry focus

Cons

• Limited loan details available

Sources: https://www.abnamro.com/uk/en/client-solutions/uk-markets

5. BNP Paribas

BNP Paribas BNP Paribas is a major bank offering a range of business finance options including asset-based lending and invoice finance. It serves firms seeking international and flexible funding solutions. 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: Asset Based Lending, Invoice Finance
• Industries: Finance

Pros

• Global reach
• Flexible funding solutions

Cons

• Limited APR and loan details

Sources: https://commercialfinance.bnpparibas.co.uk/en

6. Investec

Investec Investec offers tailored banking and investment solutions suitable for firms seeking asset-backed loans or funding for growth projects through broker channels. It is appropriate for businesses with specific financing needs or structure preferences. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £25,000
• Min APR: 25.5%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: SME Loans, Asset Finance
• Industries: Finance

Pros

• Competitive rates
• Specialist services

Cons

• High APR for SMEs

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

7. HSBC

HSBC HSBC provides a range of business loans with options for secured and unsecured facilities, suitable for firms seeking flexible repayment options. It is appropriate for businesses looking for established banking support. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £25,000
• Min APR: 5.8%
• Max APR: 0%
• Loan Duration: 1-10 years⌛

Services & Industries

• Finance Types: Business Loans
• Industries: Various

Pros

• Competitive interest
• Flexible loan terms

Cons

• Few loan type options

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

8. Bibby Financial Services

Bibby Financial Services Bibby Financial Services specialises in invoice finance, facilitating cash flow solutions for growing UK businesses. It is suitable for companies needing flexible funding secured on invoices or receivables. 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: Invoice Factoring
• Industries: Invoice Finance

Pros

• Specializes in invoice finance
• Wide client base

Cons

• Limited product range

Sources: https://www.bibbyfinancialservices.com

9. NatWest

NatWest NatWest offers flexible small business loans, including secured and unsecured options, designed for quick access and growth. It is suitable for firms seeking adaptable funding with fast turnaround times. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £250,000
• Min APR: 10%
• Max APR: 15%
• Loan Duration: 1-7 years⌛

Services & Industries

• Finance Types: Small Business Loans
• Industries: Various

Pros

• Wide loan range
• Quick access

Cons

• Higher interest rates

Sources: https://www.agcc.co.uk/news-article/natwest-to-offer-quick-250-000-loans-to-small-businesses

10. Paragon Bank

Paragon Bank Paragon Bank offers asset finance tailored for SMEs, with options suited for different industries and growth plans. It is appropriate for businesses needing secured finance for equipment or property. 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: Asset Finance
• Industries: Construction, Transport, Technology

Pros

• Industry-specific offerings
• Specialist services

Cons

• Limited loan details

Sources: https://www.paragonbank.co.uk/business/asset-finance

How to choose

Matching your financing needs to a provider involves assessing loan size, APR, eligibility, and speed. Consider whether a bank, broker, or specialist lender best suits your case. Think about repayment terms, fees, and flexibility. This helps ensure your franchise finance aligns with your cash flow and growth plans.

Conclusion

Matching the right provider depends on your specific needs. Banks often suit larger, secured loans. Brokers can connect you to specialized or unsecured options. Sector specialists may offer tailored solutions for asset finance. 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.