Top Lenders for Business Loan Refinancing in 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 2025-10-09.
1. Funding Agent
Funding Agent Funding Agent provides unsecured business loans mainly for SMEs seeking quick access to working capital. It offers straightforward applications and fast approvals. This makes it suitable for SMEs needing rapid refinancing or growth funding. Here's what to know:
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, SME Loans
- Industries: Consultancy, Supply Chain, Technology, Fintech
Pros
- Quick approvals
- Competitive APR rates
Cons
- Limited to unsecured loans
Sources: https://www.fundingagent.co.uk/post/top-10-unsecured-business-loans-for-startups-in-the-uk
2. Funding Options
Funding Options Funding Options connects UK businesses to various lenders offering business loans, asset finance, and invoice financing. It specialises in matching borrowers with the most suitable funding sources. This makes it well-suited for those seeking flexible and quick financing options. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £20,000,000
- Min APR: 6%
- Max APR: 11.5%
- Loan Duration: 1–5 years⌛
Services & Industries
- Finance Types: Business Loans, Invoice Financing, Asset Finance
- Industries: Various industries
Pros
- Wide range of funding sources
- Quick funding process
Cons
- Dependence on third-party lenders
3. Simply Business
Simply Business Simply Business provides digital insurance and small business loans via online platforms. It offers quick and flexible options for SMEs and startups. Its services are designed to accommodate varying business needs with an emphasis on ease of access. Here's what to know:
Loan Details
- Min Amount: £12,000
- Max Amount: £15,000
- Min APR: 6%
- Max APR: 11.8%
- Loan Duration: Varies⌛
Services & Industries
- Finance Types: Small Business Loans, Insurance Solutions
- Industries: Construction, Retail, Technology
Pros
- Customizable options
- Large range of insurance
Cons
- Limited loan amounts
Sources: https://www.simplybusiness.co.uk/knowledge/funding/best-small-business-loans/
4. Millbrook Business Finance
Millbrook Business Finance Offers a range of commercial and property finance options for SMEs including refinancing. It supports businesses looking for funding solutions secured on assets or property. It is suitable for businesses needing flexible, tailored refinancing options. Here's what to know:
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown⌛
Services & Industries
- Finance Types: Commercial Finance, Property Finance
- Industries: Commercial Property
Pros
- Specialized in commercial funding
Cons
- Limited APR information
5. White Oak UK
White Oak UK White Oak UK offers various funding options including asset finance and short-term loans, suitable for SMEs needing flexible funding solutions. Its services facilitate quick access to funds while supporting growth strategies. It is designed for businesses looking for adaptable reinvestment. Here's what to know:
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: SMEs across various sectors
Pros
- Tailored solutions
- Reliable service
Cons
- Limited online application details
Sources: https://whiteoakuk.com/
6. Christie Finance
Christie Finance Christie Finance provides tailored commercial finance solutions with options for sectors like healthcare and hospitality. It is suitable for businesses seeking customised funding with flexible repayment plans and brokered access. Here's what to know:
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 7.5%
- Max APR: 15.5%
- Loan Duration: 1–5 years⌛
Services & Industries
- Finance Types: Commercial Loans, Refinancing
- Industries: Healthcare, Hospitality
Pros
- Industry-specific expertise
- Competitive rates
Cons
- Brokerage fees
Sources: https://www.christiefinance.com/
7. Start Up Loans
Start Up Loans Start Up Loans offers government-backed personal loans aimed at entrepreneurs and new business owners. The programme provides fixed rates and mentorship to support early growth. It is ideal for startups and small businesses seeking initial capital. Here's what to know:
Loan Details
- Min Amount: £500
- Max Amount: £25,000
- Min APR: 6%
- Max APR: 6%
- Loan Duration: 1–5 years⌛
Services & Industries
- Finance Types: Start-Up Loans
- Industries: Start-Up Businesses
Pros
- Government-backed
- Mentorship support
Cons
- Limited to start-ups
Sources: https://www.startuploans.co.uk/
8. Lendable
Lendable Lendable is a peer-to-peer lending platform that offers flexible small business loans. It leverages technology to enable quick decisions and accessible credit. Suitable for SMEs prioritising speed and transparency. Here's what to know:
Loan Details
- Min Amount: £2,000
- Max Amount: £30,000
- Min APR: 5.9%
- Max APR: 29.9%
- Loan Duration: 1-5 years⌛
Services & Industries
- Finance Types: Peer-to-Peer Lending
- Industries: Various sectors
Pros
- Transparent fees
- Fast processing
Cons
- Higher rates for riskier profiles
Sources: https://ensun.io/search/lending/united-kingdom
9. Rangewell
Rangewell Rangewell offers expert guidance on refinancing business loans, connecting SMEs with a network of lenders. It supports borrowers seeking better rates and flexible terms. It is suitable for those needing professional advice and access to a variety of options. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 4.9%
- Max APR: 14.9%
- Loan Duration: Varies⌛
Services & Industries
- Finance Types: Refinancing, SME Loans
- Industries: SMEs
Pros
- Wide lender network
- Expert advice
Cons
- Complex fee structure
Sources: https://rangewell.com/refinance/refinance-business-loan-to-raise-capital
How to choose
When selecting a provider for business loan refinancing, consider your business size, industry, and specific funding needs. Bank lenders often offer competitive rates but require detailed applications. Brokers can provide access to a wider range of options and quicker decisions. Sector specialists might suit refinanciers with unique asset types or security structures. Evaluate costs, turnaround times, and flexibility before making your choice. Matching your needs to the right lender can improve approval chances and financial terms. Careful comparison ensures you find the most suitable and cost-effective solution for your consultancy agency.
Conclusion
Matching the right provider depends on your business needs. Bank lenders are suitable for straightforward, secured loans. Brokering services offer broader choice and quicker processing. Sector specialists provide tailored solutions for specific asset classes or refinancing strategies. 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.
