Top Asset Financing Lenders for Marketing agencies in the UK for 2026

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 specialises in providing quick-access asset finance and short-term loans for UK marketing agencies. Its offerings are suitable for those seeking fast approvals and flexible terms, often brokered through a network of lenders. It helps businesses secure funding for equipment or growth projects efficiently.

Loan Details

• Min Amount: £1,000
• Max Amount: £5,000,000
• Min APR: 4.9%
• Max APR: 15.9%
• Loan Duration: 1-5 years⌛

Services & Industries

• Finance Types: Asset Finance, Commercial Loans
• Industries: Marketing, SMEs

Pros

• Flexible terms
• Wide range of financial products

Cons

• Not the lowest rates

Sources: https://www.fundingagent.co.uk/post/the-best-asset-finance-lenders-in-the-uk-for-2026

2. Aldermore

Aldermore Aldermore focuses on providing straightforward business finance including asset finance and term loans. Its solutions are suitable for UK SMEs needing working capital, asset purchase, or refinance options with fast and flexible approval processes. The lender often works with brokers to deliver tailored options.

Loan Details

• Min Amount: £25,000
• Max Amount: £2,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 3 months - 5 years⌛

Services & Industries

• Finance Types: Asset Finance, Term Loans
• Industries: Transport, Manufacturing, Healthcare

Pros

• Strong customer service
• Flexible solutions

Cons

• Higher entry-level for loans

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

3. Lombard

Lombard Lombard offers asset finance tailored for specific sectors like renewable energy and sustainability projects. Its funding typically involves secured assets and flexible repayment options suitable for businesses involved in property or equipment purchase and refinance. It connects with brokers for tailored funding solutions.

Loan Details

• Min Amount: £10,000
• Max Amount: £1,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 1-5 years⌛

Services & Industries

• Finance Types: Asset Finance, Leasing
• Industries: Renewable Energy, Sustainability

Pros

• Focus on sustainable finance
• Flexible terms

Cons

• Stricter eligibility criteria

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

4. ABN Amro

ABN Amro ABN Amro offers specialised financial services including asset and commercial finance, often tailored for corporate clients and sector-specific needs. It handles secured and unsecured funding, supporting property investment, equipment purchase, and business expansion. The approval process typically involves detailed assessments and broker input.

Loan Details

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

Services & Industries

• Finance Types: Commercial Finance, Leasing
• Industries: Food, Retail

Pros

• International reach
• Specialized industry support

Cons

• Complex application process

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

5. Swoop UK

Swoop UK Swoop Funding provides an online platform connecting UK SMEs to varied funding options including loans and alternative finance. It features brokered access and quick applications suitable for fast-growing businesses. It supports equipment purchases, working capital, and growth funding.

Loan Details

• Min Amount: £1,000
• Max Amount: £5,000,000
• Min APR: 4.9%
• Max APR: 15.9%
• Loan Duration: 6-36 months⌛

Services & Industries

• Finance Types: Business Loans, Equity Finance
• Industries: Startups, Consulting

Pros

• Fast online application
• Wide range of options

Cons

• Limited human support

Sources: https://www.fundingagent.co.uk/post/top-franchise-finance-lenders-in-the-uk

6. Portman Finance Group

Portman Finance Group Portman Finance Group offers customised business loans and asset finance solutions for a range of sectors. It aims to provide tailored funding options, often brokered through specialists, for UK businesses seeking flexibility and efficiency. Its offerings support equipment, expansion, and working capital needs.

Loan Details

• Min Amount: £10,000
• Max Amount: £2,000,000
• Min APR: 4.4%
• Max APR: 0%
• Loan Duration: 1-6 years⌛

Services & Industries

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

Pros

• Customer-centric approach
• Diverse financial products

Cons

• APR may not be lowest

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

7. White Oak UK

White Oak UK White Oak UK provides asset finance focused on growth and working capital solutions for SMEs across multiple sectors. Its services include flexible repayment options and quick funding processes suitable for property, equipment, or inventory financing, often brokered or direct.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Varies⌛

Services & Industries

• Finance Types: SME Finance, Invoice Finance
• Industries: SMEs, Various sectors

Pros

• Quick funding process
• Flexible solutions

Cons

• APR information not clear

Sources: https://whiteoakuk.com/uk-business-lending-partner-about-white-oak-uk/

8. Time Finance

Time Finance Time Finance offers a range of finance options including asset-backed lending and unsecured loans. It caters to UK businesses requiring flexible funding for growth, asset purchase, or working capital, often working with brokers for quicker access and varied repayment terms.

Loan Details

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

Services & Industries

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

Pros

• Efficient service
• Wide range of products

Cons

• APR and loan terms not well-publicized

Sources: https://timefinance.com/asset-finance/

9. iwoca

iwoca iwoca provides flexible credit solutions mainly for small UK businesses. Its offerings typically include short-term, unsecured or secured funding, focusing on quick approval processes and accessible application procedures. It suits firms needing fast cash flow support or inventory financing.

Loan Details

• Min Amount: £1,000
• Max Amount: £200,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 1-12 months⌛

Services & Industries

• Finance Types: Business Loans, Credit Lines
• Industries: Retail, Hospitality

Pros

• Fast approval
• No hidden fees

Cons

• Higher rates for shorter terms

Sources: https://www.iwoca.co.uk/asset-finance/vehicle-asset-finance

10. Pegasus Funding

Pegasus Funding Pegasus Funding specialises in offering asset and invoice finance solutions for UK businesses. Its services include quick, flexible funding options for growth and working capital needs. The company often works with brokers or directly with clients to deliver customised financial solutions.

Loan Details

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

Services & Industries

• Finance Types: Asset Finance, Invoice Finance
• Industries: Various

Pros

• Specialized financial advice
• Tailored solutions

Cons

• Less suitable for very small loans

Sources: https://www.pegasusfunding.co.uk/top-asset-finance-solutions-for-business/

How to choose

When selecting a provider, consider the type of finance needed and your specific business circumstances. Banks tend to offer straightforward, often secured, funding options suitable for established firms. Brokers can provide access to a wider range of lenders and more specialised solutions. Evaluate your budget, repayment ability, and how quickly funding is required. Be sure to compare fees, eligibility criteria, and repayment terms to find the best fit for your marketing agency. Understanding these factors can help you choose a provider that aligns with your growth plans and cash flow needs.

Conclusion

Matching the right provider depends on your use case. Banks typically offer large, secured loans for asset purchase or refinancing. Broker services connect you to multiple lenders and may find more flexible options. Specialist lenders focus on sector-specific or asset-backed finance. Always check current costs and terms with the lender. 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.