Top Business Loan Refinancing 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 2025-10-09.

1. Funding Agent

Funding Agent Funding Agent offers customised business loans and refinancing for accountancy firms. It specialises in quick, flexible solutions with various security options. Suitable for SMEs seeking clear terms and straightforward access. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £250,000
• Min APR: 6.9%
• Max APR: 8.9%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: Unsecured Business Loans, Refinancing Loans
• Industries: Accountancy

Pros

• Tailored solutions for accountancy firms
• Competitive rates

Con

• Limited to accountancy industry

Sources: https://www.fundingagent.co.uk/post/top-business-loan-options-for-accountancy-firms-uk

2. Performance Finance

Performance Finance Performance Finance provides loans suited for professional services and sectors needing flexible, quick funding. They focus on non-secured options that support working capital and sector-specific needs. Suitable for accountancy and legal sectors. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £500,000
• Min APR: 4.9%
• Max APR: 19.9%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: Unsecured Business Term Loan, Professional Loans
• Industries: Accountancy, Legal

Pros

• Fast approval
• Flexible terms

Cons

• Requires stable financial history

Sources: https://www.performancefinance.co.uk/funding-options/

3. Rangewell

Rangewell Rangewell acts as a broad broker with extensive access to business finance options, including secured and unsecured products. It supports SMEs with varying funding needs, focusing on quick, flexible solutions for growth or refinancing. Suitable for sector-specific and general finance needs. Here's what to know:

Loan Details

• Min Amount: £50,000
• Max Amount: £500,000
• Min APR: 4.9%
• Max APR: 19.9%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: Unsecured Business Loans, Equity Loans
• Industries: Accountancy, Various

Pros

• Wide range of options
• No upfront costs

Cons

• May require detailed documentation

Sources: https://www.fundingagent.co.uk/lender-reviews/rangewell-reviews

4. money.co.uk

money.co.uk This platform compares business loans, specialising in the widest choice of options, including secured and unsecured funding. It is suitable for firms needing flexible terms and larger loan amounts. Here's what to know:

Loan Details

• Min Amount: £500
• Max Amount: £15,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 1–60 months⌛

Services & Industries

• Finance Types: Secured Business Loans, Unsecured Loans
• Industries: Various

Pros

• Large loan amounts available
• Daily updated rates

Cons

• Interest rates vary widely

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

5. Apex Loans

Apex Loans Apex Loans offers a range of business financing options for small and larger firms, including secured and unsecured loans. It supports clients with tailored repayment plans suitable for different sectors. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £100,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: SME Loans, Secured Loans
• Industries: Accountancy, Various

Pros

• Flexible lending terms
• Expert financial advice

Con

• Cap on unsecured loans

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

6. Smart Funding Solutions

Smart Funding Solutions Smart Funding Solutions provides flexible smaller business loan options with quick approval processes. They support firms seeking fast access to funds with straightforward terms. Suitable for SMEs with urgent funding needs. Here's what to know:

Loan Details

• Min Amount: £25,000
• Max Amount: £750,000
• Min APR: 6.5%
• Max APR: 14%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: Short Term Loans, SME Loans
• Industries: Various

Pros

• Fast application process
• No setup fees

Con

• Limited to smaller loan amounts

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

7. Millbrook Business Finance

Millbrook Business Finance Millbrook offers flexible financing options including commercial and property finance. It supports firms with funding secured on assets or sector-specific loans. Suitable for SMEs needing flexible repayment plans. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 10.9%
• Max APR: 20%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: Commercial Finance, Bridging Loans
• Industries: Various

Pros

• Specialist in commercial finance
• Flexible terms

Con

• Higher APRs

Sources: https://www.millbrookbusinessfinance.com/sectors/

8. Willow Private Finance

Willow Private Finance Willow Private Finance offers bespoke financial solutions mainly aimed at professionals with high-net-worth needs. It focuses on loans secured on residential or commercial property, with flexible repayment options. Suitable for professionals and sector specialists. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £250,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Varies based on loan type⌛

Services & Industries

• Finance Types: Partner Equity Loans
• Industries: Accountancy, Legal

Pros

• Customized for professionals

Con

• Limited loan types

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

9. Business Comparison

Business Comparison Business Comparison offers a platform to compare various business finance products, enabling accountancy firms to find suitable options efficiently. They cover a range of financing types suitable for different needs. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £250,000
• Min APR: 5.9%
• Max APR: 12%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: Invoice Finance, Merchant Cash Advances
• Industries: Various

Pros

• Wide comparison options
• User-friendly platform

Con

• No direct lending

Sources: https://www.businesscomparison.com/business-loans/

10. Capify

Capify Capify offers flexible business loans suitable for small to medium-sized firms, including accountancy practices. It focuses on quick approvals and straightforward applications. Suitable for firms seeking rapid funding solutions. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £75,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 3–12 months⌛

Services & Industries

• Finance Types: Unsecured Loans, Merchant Loans
• Industries: Various

Pros

• Fast funding
• Simple application

Con

• Relatively high rates

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

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. For accountancy firms looking for refinancing options, consider whether a broker or direct lender best suits your needs. Brokers can access multiple products quickly, while specialised lenders offer tailored solutions. Always compare the total costs and repayment flexibility to find the best fit for your business circumstances.

Conclusion

Matching the right provider depends on your firm's needs. Banks may suit those requiring larger, secured lending. Brokers and platforms like Funding Agent offer speed and simplicity for quick comparisons. Sector specialists can provide tailored solutions for specific finance needs. 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.