September 25, 2025
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Top 10 Equity Finance lenders for Recruitment Agencies in the uk for 2025

Discover the best equity finance lenders for recruitment agencies in the UK for 2025. Learn how to secure funding to grow your recruitment business effectively.
Jesse Spence
SEO Specialist

For UK franchise buyers and operators, this guide compares loan ranges, APRs, and terms across leading providers, with a focus on eligibility and fit. prices accurate as of 2025-09-25.

1 Funding Agent Funding Agent is a UK finance platform that specializes in providing recruitment agencies with access to equity finance and other tailored business loans quickly and efficiently. £5,000–£500,000; 6.9%–20% APR; 3–72 months
2 Swoop Funding Swoop Funding is a UK business finance platform offering a wide range of funding including equity finance, invoice finance, and working capital loans designed to support recruitment agencies in managing cash flow and growth. £5,000–£1,000,000; 5.9%–25% APR; 3–60 months
3 Fleximize Fleximize is a leading digital lender in the UK specializing in flexible business loans that cater to recruitment agencies, offering terms suited to short and medium-term financing needs with competitive monthly rates. £3,000–£500,000; 10.8%–18% APR; 6–48 months
4 Growth Street Growth Street offers growth financing solutions focused on recruitment agencies and SMEs, providing flexible loan options with transparent pricing and online management tools. £10,000–£500,000; 7.5%–20% APR; 6–36 months
5 Caple Caple is an equity finance provider for UK businesses including recruitment agencies, offering funding through private investors with a focus on growth capital without debt obligations. £25,000–£1,000,000; 0%–0% APR; 12–60 months
6 Capify Capify offers business loans and flexible working capital solutions for UK SMEs including recruitment agencies focusing on fast access to funds with transparent terms. £5,000–£1,000,000; 9%–29.9% APR; 3–24 months
7 Sonovate Sonovate specializes in invoice financing and working capital specifically for the recruitment sector, helping agencies manage cash flow with fast funding and scalable solutions. £10,000–£1,000,000; 7%–22% APR; 1–12 months
8 Liberis Liberis provides flexible revenue-based financing for UK SMEs including recruitment agencies, enabling fast access to capital with repayments linked to monthly revenues. £5,000–£500,000; 10%–30% APR; 6–24 months
9 MarketInvoice MarketInvoice offers invoice finance tailored for recruitment agencies, providing early payment on outstanding invoices to improve cash flow management. £5,000–£750,000; 5.5%–18% APR; 1–24 months
10 Ultimate Finance Ultimate Finance provides a range of finance products including invoice finance, asset finance, and working capital loans designed to support recruitment agencies and SMEs with tailored financial solutions. £5,000–£1,000,000; 7.5%–25% APR; 3–36 months

1. Funding Agent

Funding Agent Funding Agent is a UK finance platform that specializes in providing recruitment agencies with access to equity finance and other tailored business loans quickly and efficiently. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 20%
  • Min Duration: 3 months
  • Max Duration: 72 months

Services & Industries

  • Finance Types: Equity finance, Unsecured business loans, Invoice finance, Working capital loans
  • Industries: Recruitment agencies, Professional services, SMEs

Pros

  • Fast application and funding process
  • No early repayment fees
  • Access to multiple finance types

Cons

  • Availability depends on lender criteria
  • Broker fees may apply

Sources: Funding Agent Equity Finance Top Equity Finance Lenders UK for Recruitment 2025

2. Swoop Funding

Swoop Funding Swoop Funding is a UK business finance platform offering a wide range of funding including equity finance, invoice finance, and working capital loans designed to support recruitment agencies in managing cash flow and growth. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 5.9%
  • Max APR: 25%
  • Min Duration: 3 months
  • Max Duration: 60 months

Services & Industries

  • Finance Types: Equity finance, Invoice finance, Unsecured loans, Working capital loans
  • Industries: Recruitment, SMEs, Professional services

Pros

  • Access to multiple finance options
  • Competitive rates
  • Sector specific funding solutions

Cons

  • Some users report complex application process
  • High service fees reported

Sources: Swoop Funding for Recruitment Businesses Swoop Business Loans Review

3. Fleximize

Fleximize Fleximize is a leading digital lender in the UK specializing in flexible business loans that cater to recruitment agencies, offering terms suited to short and medium-term financing needs with competitive monthly rates. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £3,000
  • Max Amount: £500,000
  • Min APR: 10.8%
  • Max APR: 18%
  • Min Duration: 6 months
  • Max Duration: 48 months

Services & Industries

  • Finance Types: Secured loans, Unsecured business loans, Flexible term loans
  • Industries: Recruitment agencies, SMEs, Professional services

Pros

  • Flexible repayment options
  • No early repayment penalties on some loans
  • Quick decision making

Cons

  • Requires good credit history
  • Secured loans require collateral

Sources: Fleximize Business Loans UK Fleximize Business Loans Review

4. Growth Street

Growth Street Growth Street offers growth financing solutions focused on recruitment agencies and SMEs, providing flexible loan options with transparent pricing and online management tools. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 7.5%
  • Max APR: 20%
  • Min Duration: 6 months
  • Max Duration: 36 months

Services & Industries

  • Finance Types: Growth loans, Revenue-based finance, Flexible term loans
  • Industries: Recruitment firms, Professional services, SMEs

Pros

  • Transparent fee structure
  • Flexible repayments linked to revenue
  • No hidden charges

Cons

  • Minimum loan amount higher than some competitors
  • Interest rates vary based on revenue

Sources: Growth Street Financing Funding Agent Top Equity Finance Lenders

5. Caple

Caple Caple is an equity finance provider for UK businesses including recruitment agencies, offering funding through private investors with a focus on growth capital without debt obligations. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £25,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Min Duration: 12 months
  • Max Duration: 60 months

Services & Industries

  • Finance Types: Equity finance
  • Industries: Recruitment agencies, SMEs, Startups

Pros

  • No repayment obligations
  • Access to growth capital
  • Support from private investors

Cons

  • Dilution of ownership
  • Potentially longer funding process

Sources: Caple Equity Finance Overview Funding Agent Equity Finance Post

6. Capify

Capify Capify offers business loans and flexible working capital solutions for UK SMEs including recruitment agencies focusing on fast access to funds with transparent terms. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 9%
  • Max APR: 29.9%
  • Min Duration: 3 months
  • Max Duration: 24 months

Services & Industries

  • Finance Types: Working capital loans, Merchant cash advance, Unsecured loans
  • Industries: Recruitment agencies, SMEs, Retail

Pros

  • Fast approval process
  • Flexible repayment terms

Cons

  • Higher APR for smaller loan amounts
  • Strict eligibility criteria

Sources: Capify Business Loans Funding Agent Top Lenders

7. Sonovate

Sonovate Sonovate specializes in invoice financing and working capital specifically for the recruitment sector, helping agencies manage cash flow with fast funding and scalable solutions. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 7%
  • Max APR: 22%
  • Min Duration: 1 months
  • Max Duration: 12 months

Services & Industries

  • Finance Types: Invoice finance, Working capital loans
  • Industries: Recruitment agencies

Pros

  • Specialist recruitment finance
  • Quick access to funds
  • Flexible invoice financing

Cons

  • Relies on invoice volume
  • Service fees applicable

Sources: Sonovate Recruitment Finance Funding Agent Post on Top Lenders

8. Liberis

Liberis Liberis provides flexible revenue-based financing for UK SMEs including recruitment agencies, enabling fast access to capital with repayments linked to monthly revenues. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 10%
  • Max APR: 30%
  • Min Duration: 6 months
  • Max Duration: 24 months

Services & Industries

  • Finance Types: Revenue-based finance, Merchant cash advance
  • Industries: Recruitment, Retail, Hospitality

Pros

  • Flexible repayments linked to revenue
  • Quick access to funds

Cons

  • Higher APR compared to traditional loans
  • Best suited for businesses with consistent revenue

Sources: Liberis Revenue Based Finance Funding Agent Finance Options

9. MarketInvoice

MarketInvoice MarketInvoice offers invoice finance tailored for recruitment agencies, providing early payment on outstanding invoices to improve cash flow management. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £750,000
  • Min APR: 5.5%
  • Max APR: 18%
  • Min Duration: 1 months
  • Max Duration: 24 months

Services & Industries

  • Finance Types: Invoice finance
  • Industries: Recruitment agencies, Professional services

Pros

  • Improves cash flow
  • Flexible invoice factoring

Cons

  • Requires quality invoices
  • Fees vary

Sources: MarketInvoice Invoice Finance Funding Agent Review

10. Ultimate Finance

Ultimate Finance Ultimate Finance provides a range of finance products including invoice finance, asset finance, and working capital loans designed to support recruitment agencies and SMEs with tailored financial solutions. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 7.5%
  • Max APR: 25%
  • Min Duration: 3 months
  • Max Duration: 36 months

Services & Industries

  • Finance Types: Invoice finance, Asset finance, Working capital
  • Industries: Recruitment agencies, SMEs, Professional services

Pros

  • Tailored financial solutions
  • Strong sector focus

Cons

  • Application process can be lengthy

Sources: Ultimate Finance Solutions Top Equity Finance Lenders List

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.

Conclusion

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.

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