September 25, 2025
Lists

Top 10 Franchise Finance lenders in the uk for 2025

Discover the leading franchise finance lenders in the UK for 2025. Find the best funding options to help you start or grow your franchise business with ease.
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.

1Funding AgentFunding Agent is a UK finance platform that helps SMEs compare and access funding options quickly, focusing on speed, clarity, and a wide lender panel.£5,000–£500,000; 6.9%–24.9% APR; 3–72 months
2Swoop FundingSwoop Funding is a UK-based online lending platform offering franchise finance loans ranging from £1,000 up to £5 million, tailored to new and existing franchise owners for business growth and startup expenses.£1,000–£5,000,000; 7.5%–35% APR; 6–72 months
3Clifton Private FinanceClifton Private Finance is an independent UK brokerage specialising in property, asset and franchise finance, providing tailored business loans and bridging finance solutions for franchise buyers and operators.£50,000–£25,000,000; 7%–20% APR; 3–84 months
4Sorbus FinanceSorbus Finance is an independent finance broker in the UK specialising in franchise finance, helping clients secure funding tailored to franchise business models across various industries.£5,000–£1,000,000; 6.5%–25% APR; 6–60 months
5Rosewood FinanceRosewood Finance offers bespoke franchise loans and funding solutions for UK entrepreneurs with packages designed to cover franchise purchase costs, VAT, and working capital needs.£1,000–£1,500,000; 6%–18% APR; 3–72 months
6IwocaIwoca provides a range of flexible franchise finance products, including unsecured loans and credit lines, designed for both start-up and established franchise businesses in the UK.£1,000–£1,000,000; 15%–49% APR; 1–24 months
7Principal Business FinancePrincipal Business Finance offers franchise funding solutions for start-up and established franchise businesses with strategic financial solutions tailored to franchise business needs.£10,000–£5,000,000; 7%–22% APR; 6–60 months
8Portman Finance GroupPortman Finance Group is a UK business to business finance lender and broker providing fast, flexible franchise finance solutions to start-ups and established franchises across all sectors.£5,000–£1,000,000; 7.2%–15% APR; 6–72 months
9FleximizeFleximize is a UK digital lender specialising in SME loans including franchise finance, offering loans up to £500,000 with terms from 3 to 60 months and competitive interest rates.£5,000–£500,000; 10.8%–24.9% APR; 3–60 months
10Start Up LoansStart Up Loans UK provides government-backed loans to help new franchise business owners with affordable funding, offering loans from £500 to £25,000 with fixed interest rates and flexible repayment terms.£500–£25,000; 6%–12% APR; 12–60 months

1. Funding Agent

Funding Agent is a UK finance platform that helps SMEs compare and access funding options quickly, focusing on speed, clarity, and a wide lender panel. 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: 24.9%
  • Min Duration: 3 months
  • Max Duration: 72 months

Services & Industries

  • Finance Types: Unsecured business loans, Asset finance, Invoice finance, Merchant cash advance, Working capital
  • Industries: Retail, Hospitality, Construction, Professional services, Ecommerce

Pros

  • Fast comparison and indicative offers
  • Broad lender coverage
  • Simple application

Cons

  • Broker fees may apply in some cases
  • Availability depends on lender criteria

Sources: Funding Agent, About Funding Agent, Products

2. Swoop Funding

Swoop Funding is a UK-based online lending platform offering franchise finance loans ranging from £1,000 up to £5 million, tailored to new and existing franchise owners for business growth and startup expenses. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £5,000,000
  • Min APR: 7.5%
  • Max APR: 35%
  • Min Duration: 6 months
  • Max Duration: 72 months

Services & Industries

  • Finance Types: Business loans, Asset finance, Invoice finance, Working capital
  • Industries: Retail, Hospitality, Food & Beverage, Professional services, Franchise operations

Pros

  • Wide loan amount range
  • Tailored franchise funding solutions
  • Access to multiple lenders

Cons

  • Higher APRs for smaller loans
  • Strict eligibility criteria for some loans

Sources: Swoop Funding, Franchise Finance Swoop Funding FAQ

3. Clifton Private Finance

Clifton Private Finance  is an independent UK brokerage specialising in property, asset and franchise finance, providing tailored business loans and bridging finance solutions for franchise buyers and operators. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £50,000
  • Max Amount: £25,000,000
  • Min APR: 7%
  • Max APR: 20%
  • Min Duration: 3 months
  • Max Duration: 84 months

Services & Industries

  • Finance Types: Bridging loans, Secured loans, Unsecured loans
  • Industries: Real estate, Construction, Hospitality, Franchise business

Pros

  • Tailored financing advice
  • Flexible loan durations
  • Experienced broker support

Cons

  • Minimum loan amounts relatively high
  • Brokerage fees applicable

Sources: Clifton Private Finance, Franchise Finance Blog Clifton Private Finance, Services

4. Sorbus Finance

Sorbus Finance is an independent finance broker in the UK specialising in franchise finance, helping clients secure funding tailored to franchise business models across various industries. 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: 6.5%
  • Max APR: 25%
  • Min Duration: 6 months
  • Max Duration: 60 months

Services & Industries

  • Finance Types: Business loans, Asset finance, Invoice finance
  • Industries: Franchise businesses, Retail, Professional services, Logistics

Pros

  • Specialist franchise lender understanding
  • Wide lender panel
  • Tailored funding packages

Cons

  • May require collateral or guarantor
  • Some loans have higher fees

Sources: Sorbus Finance, Franchise Funding UK 2025 Sorbus Finance, Finance Industries Supported

5. Rosewood Finance

Rosewood Finance offers bespoke franchise loans and funding solutions for UK entrepreneurs with packages designed to cover franchise purchase costs, VAT, and working capital needs. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,500,000
  • Min APR: 6%
  • Max APR: 18%
  • Min Duration: 3 months
  • Max Duration: 72 months

Services & Industries

  • Finance Types: Business loans, Invoice finance, Working capital
  • Industries: Franchise operations, Retail, Hospitality, Food services

Pros

  • Flexible loan options
  • Fast application and approval
  • Experienced franchise finance team

Cons

  • Limited public APR information
  • May require personal guarantees

Sources: Rosewood Finance, Franchise Finance Rosewood Finance, Blog

6. Iwoca

Iwoca provides a range of flexible franchise finance products, including unsecured loans and credit lines, designed for both start-up and established franchise businesses in the UK. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 15%
  • Max APR: 49%
  • Min Duration: 1 months
  • Max Duration: 24 months

Services & Industries

  • Finance Types: Unsecured business loans, Credit lines, Invoice finance
  • Industries: Retail, Hospitality, Professional services, Franchise

Pros

  • Quick application process
  • Flexible repayment terms
  • No early repayment fees

Cons

  • Higher APR range
  • Strict eligibility requirements

Sources: Iwoca, Franchise Finance Iwoca, Pricing

7. Principal Business Finance

Principal Business Finance Principal Business Finance offers franchise funding solutions for start-up and established franchise businesses with strategic financial solutions tailored to franchise business needs. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 7%
  • Max APR: 22%
  • Min Duration: 6 months
  • Max Duration: 60 months

Services & Industries

  • Finance Types: Business loans, Asset finance, Working capital
  • Industries: Franchise businesses, Retail, Hospitality

Pros

  • Funding aligned to franchise model
  • Access to larger funding amounts
  • Dedicated support

Cons

  • Loan eligibility criteria apply
  • Usually requires business plan

Sources: Principal Business Finance, Franchise Finance

8. Portman Finance Group‍

Portman Finance Group Portman Finance Group is a UK business to business finance lender and broker providing fast, flexible franchise finance solutions to start-ups and established franchises across all sectors. 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: 7.2%
  • Max APR: 15%
  • Min Duration: 6 months
  • Max Duration: 72 months

Services & Industries

  • Finance Types: Business loans, Hire purchase, Asset finance
  • Industries: Franchise businesses, Retail, Construction, Hospitality

Pros

  • Fast decisions
  • Flexible loan options
  • Specialist franchise finance knowledge

Cons

  • May require personal guarantees
  • Not all loans available to all businesses

Sources: Portman Finance Group, Franchise Finance Portman Finance Group, FAQs

9. Fleximize

Fleximize Fleximize is a UK digital lender specialising in SME loans including franchise finance, offering loans up to £500,000 with terms from 3 to 60 months and competitive interest rates. 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: 10.8%
  • Max APR: 24.9%
  • Min Duration: 3 months
  • Max Duration: 60 months

Services & Industries

  • Finance Types: Unsecured business loans, Secured business loans, Revenue based finance
  • Industries: Retail, Hospitality, Professional services, Franchise businesses

Pros

  • Quick funding
  • Flexible repayment options
  • No early repayment penalties

Cons

  • Requires good credit score
  • May have higher rates for shorter terms

Sources: Fleximize, Franchise Loans Fleximize Review

10. Start Up Loans

Start Up Loans Start Up Loans UK provides government-backed loans to help new franchise business owners with affordable funding, offering loans from £500 to £25,000 with fixed interest rates and flexible repayment terms. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

  • Min Amount: £500
  • Max Amount: £25,000
  • Min APR: 6%
  • Max APR: 12%
  • Min Duration: 12 months
  • Max Duration: 60 months

Services & Industries

  • Finance Types: Government-backed loans, Start-up loans
  • Industries: Start-ups, Franchise businesses, Small enterprises

Pros

  • Government-backed guarantees
  • Low fixed interest rates
  • Support and mentoring included

Cons

  • Loan limits lower than commercial lenders
  • Eligibility criteria can be strict

Sources: Start Up Loans, Franchise Funding

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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