Top Asset Finance Lenders 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 2025-10-06.

1. Funding Agent

Funding Agent Funding Agent focuses on small and medium-sized enterprise financing needs. It offers quick, flexible loan options that are suitable for working capital, operational expenses, or growth projects. The platform provides straightforward access with minimal collateral requirements and can help clients find suitable funding within a short timeframe.

Loan Details

• Min Amount: £1,000
• Max Amount: £500,000
• Min APR: 6.9%
• Max APR: 8.9%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Unsecured Business Loans, R&D Tax Credits
• Industries: Technology, Fintech, Supply Chain

Pros

• Quick loan disbursement
• AI-powered application process

Cons

• Limited information on loan durations

Sources: https://www.fundingagent.co.uk/post/top-unsecured-business-loan-lenders-for-marketing-agencies-uk

2. Iwoca

Iwoca Iwoca specialises in fast access to working capital via short-term loans and credit lines. It caters to SMEs needing flexible repayment options and quick decision-making. Its approach often involves brokered access. The products are suitable for companies seeking short-term liquidity support with moderate security and flexible lending solutions.

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 6%
• Max APR: 49%
• Loan Duration: 1–24 months⌛

Services & Industries

• Finance Types: Business Loans, Credit Lines
• Industries: Retail, Technology, Small Businesses

Pros

• Flexible loan amounts
• Quick decision-making process

Cons

• High maximum APR

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

3. Fleximize

Fleximize Fleximize provides fast access to unsecured business finance tailored to UK SMEs. It offers flexible repayment options and competitive rates. Suitable for growth and operational needs, it often involves brokered solutions and can serve a range of industries including marketing and retail.

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 8.9%
• Max APR: 25%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Unsecured Business Loans
• Industries: Marketing, Retail, Service Industry

Pros

• Loyalty rewards
• Wide range of loan amounts

Cons

• Higher APR for bad credit

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

4. Time Finance

Time Finance Time Finance provides customised commercial finance solutions for various business needs. It offers flexible arrangements, often brokered, with options for asset finance and invoice financing. Suitable for companies looking for tailored, quick funding options to support growth and cash flow management.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 6%
• Max APR: 15%

Services & Industries

• Finance Types: Asset Finance, Invoice Finance
• Industries: SMEs, Manufacturing, Retail

Pros

• Tailored finance options
• Increased facility limits for businesses

Cons

• Limited APR information

Sources: http://onepmfinance.co.uk/

5. Bibby Financial Services

Bibby Financial Services Bibby Financial Services specialises in invoice finance and cash flow solutions. It offers tailored funding to help businesses manage liquidity and cash flow challenges. Suitable for SMEs looking for quick access to working capital and flexible repayment terms, often brokered through established networks.

Loan Details

• Min Amount: £2,000
• Max Amount: £500,000
• Min APR: 7%
• Max APR: 29%
• Loan Duration: 12-24 months⌛

Services & Industries

• Finance Types: Invoice Finance, Factoring
• Industries: Logistics, Retail, Consultancy

Pros

• Strong industry experience
• Wide range of finance options

Cons

• Higher APR for some services

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

6. Aldermore

Aldermore Aldermore offers a range of asset-based finance and business loan products. It caters to firms seeking flexible security arrangements and quick access to funds. Their offerings often include brokered options tailored to specific asset classes or growth strategies.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%

Services & Industries

• Finance Types: Business Loans, Asset Finance
• Industries: Real Estate, Transport, Manufacturing

Pros

• Customisable finance solutions
• Strong support for asset-backed funding

Cons

• Limited public APR information

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

7. Close Brothers Invoice Finance

Close Brothers Invoice Finance Provides invoice finance solutions to improve cash flow for UK companies. It works well for businesses seeking flexible and quick funding options, often brokered through finance specialists. It supports various industries with tailored solutions.

Loan Details

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

Services & Industries

• Finance Types: Invoice Finance, Asset Finance
• Industries: Professional Services, Manufacturing, Retail

Pros

• Innovative and customised solutions

Cons

• Sparse information on APR

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

8. Lloyds Bank

Lloyds Bank Lloyds Bank offers a selection of business finance options, including tailored loans with competitive rates. It is suitable for businesses seeking straightforward, quick access to funding. The bank provides reliable and established lending services for various needs.

Loan Details

• Min Amount: £1,000
• Max Amount: £50,000
• Min APR: 11.2%
• Max APR: 11.2%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Business Loans
• Industries: Professional Services, Retail, Small Businesses

Pros

• Established banking brand
• Stable APR

Cons

• Lower maximum loan amount

Sources: https://lloydstsb.co.uk/business/business-loans.html

9. Zopa

Zopa Zopa is a digital lender offering personal and business loans, with an emphasis on transparency and straightforward processes. It caters to SMEs needing modest funding with flexible repayment options. Suitable for those seeking a simple borrowing route with fixed terms and clear rates.

Loan Details

• Min Amount: £1,000
• Max Amount: £25,000
• Min APR: 3.1%
• Max APR: 15.4%
• Loan Duration: 12-60 months⌛

Services & Industries

• Finance Types: Personal Loans, Business Loans
• Industries: Retail, Digital Businesses

Pros

• Low starting APR
• Digital banking convenience

Cons

• Limited business loan amounts

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

10. Swoop Funding

Swoop Funding Swoop offers a versatile platform for funding options, including loans, equity, and grants. It serves UK SMEs seeking flexible, quick access to finance for growth or operational needs. Many agreements are brokered, providing tailored solutions that depend on the borrower’s profile and purpose.

Loan Details

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

Services & Industries

• Finance Types: Business Loans, Equity Finance, Grants
• Industries: Real Estate, Consultancy, Franchises

Pros

• Diverse funding options
• Quick approval process

Cons

• Higher APR on fast loans

Sources: https://www.fundingagent.co.uk/post/best-lenders-for-supply-chain-businesses-uk

How to choose

When selecting a provider for asset financing, consider the specific needs of your consultancy. Evaluate whether a bank offers straightforward borrowing for fixed assets or if a broker can provide access to a wider range of solutions. Consider factors like loan size, repayment flexibility, security requirements, and speed of approval. Matching the provider to your operational requirements ensures better use of funds and smoother processes. Always review the criteria, fees, and terms before committing to a financing option.

Conclusion

Matching the right provider depends on your funding purpose and circumstances. Banks are suitable for secured, larger loans with fixed terms. Brokers can offer access to diverse products and faster approvals. Specialist lenders focus on particular assets or sectors. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Always confirm current costs and terms with the lender; pricing may change.