Top Lenders for Business Loan Refinancing in Marketing 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 offers tailored business loan refinancing options for marketing agencies. It helps SMEs access flexible, competitive financing with clear terms. The platform is suitable for those seeking quick decisions and predictable repayment options. Here's what to know:

Loan Details

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

Services & Industries

• Finance Types: Business Loans, Refinancing
• Industries: Marketing, Digital Agencies

Pros

• Competitive rates
• Flexible terms

Cons

• High APR for lower credit

Sources: https://www.fundingagent.co.uk/post/best-business-loan-lenders-for-marketing-agencies-in-the-uk

2. Swoop Funding

Swoop Funding specialises in providing flexible finance options for SMEs and startups. It offers streamlined access to funding for business growth and cash flow management. The platform caters to those seeking quick, accessible loans across various industries. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £5,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 1 day to 24 months⌛

Services & Industries

• Finance Types: SME Loans, Franchise Finance
• Industries: SMEs, Startups

Pros

• Wide range of loan amounts
• Fast processing

Cons

• Short loan terms

Sources: https://swoopfunding.com/uk/sectors/

3. Shawbrook Bank

Shawbrook Bank offers specialised lending options for SMEs and real estate clients. It supports businesses needing flexible, often secured, financing solutions. Its offerings are suitable for those seeking straightforward, reliable credit with predictable terms. Here's what to know:

Loan Details

• Min Amount: £25,000
• Max Amount: £150,000
• Min APR: 14.1%
• Max APR: 14.1%
• Loan Duration: 1 to 5 years⌛

Services & Industries

• Finance Types: Unsecured Loans, Asset Finance
• Industries: Real Estate, SMEs

Pros

• Fixed interest rates
• No early repayment fees

Cons

• Higher minimum loan amount

Sources: https://www.shawbrook.co.uk/business/business-lending/

4. Smart Funding Solutions

Smart Funding Solutions offers fast and flexible funding options for small businesses needing quick access. It supports new and established firms wanting timely, straightforward financing. Known for its responsiveness and simple application process, it caters to a broad range of industries. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £5,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 24 hours to 5 years⌛

Services & Industries

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

Pros

• Quick approval
• Flexible terms

Cons

• Variable interest rates

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

5. Funding Circle

Funding Circle provides alternative finance solutions for SMEs. It offers access to affordable business loans via a peer-to-peer model that supports growth. The platform is suited for those needing flexible, transparent financing options for their business. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £750,000
• Min APR: 6.9%
• Max APR: 0%
• Loan Duration: up to 6 years⌛

Services & Industries

• Finance Types: Term Loans
• Industries: Small Businesses, Startups

Pros

• No prepayment penalty
• Fast application process

Cons

• Strict eligibility criteria

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

6. Millbrook Business Finance

Millbrook Business Finance offers comprehensive funding solutions for small and medium-sized UK enterprises. It focuses on supporting business growth through flexible, often secured, borrowing. Its services are suitable for those seeking tailored financial support with transparent terms. Here's what to know:

Loan Details

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

Services & Industries

• Finance Types: Commercial Finance
• Industries: Various Industries

Pros

• Customised financial solutions
• Wide industry coverage

Cons

• Limited public information

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

7. Nucleus Commercial Finance

Nucleus Commercial Finance focuses on providing flexible funding options for SMEs and larger businesses. It supports growth and working capital needs through tailored solutions that may include revenue-based or asset-backed lending. Its offerings are suited for those looking for custom finance arrangements to suit specific business models. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 8.9%
• Max APR: 25%
• Loan Duration: 3 months to 5 years⌛

Services & Industries

• Finance Types: Revenue Loans, Asset Based Lending
• Industries: SMEs

Pros

• Range of finance products
• Personalised service

Cons

• Higher interest for larger loans

Sources: https://nucleuscommercialfinance.com/

8. iwoca

iwoca offers flexible finance options primarily for micro and small businesses. It supports those requiring quick access to working capital, often secured or unsecured, with a range of repayment choices. Known for its speed and simplicity, it is suitable for smaller firms needing adaptable funding. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £200,000
• Min APR: 5.9%
• Max APR: 0%
• Loan Duration: up to 1 year⌛

Services & Industries

• Finance Types: Credit Line, Invoice Financing
• Industries: Small Businesses, Startups

Pros

• No setup fees
• Flexible repayment

Cons

• Short repayment terms

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

9. Capify

Capify offers alternative financing solutions for small and medium enterprises. It provides flexible options including merchant cash advances, often used for working capital needs. Its services are suited for businesses seeking quick access to funding with straightforward repayment plans. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £1,000,000
• Min APR: 12%
• Max APR: 0%
• Loan Duration: 3 to 24 months⌛

Services & Industries

• Finance Types: Merchant Cash Advance, Business Loans
• Industries: Retail, Hospitality

Pros

• Quick funding
• No collateral needed

Cons

• Higher interest rates

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

10. Sonovate

Sonovate specialises in invoice finance solutions, primarily supporting recruitment and consulting in the UK. Its offerings are suitable for firms needing flexible, quick funding options often secured against invoices or receivables. It is used by those seeking efficient working capital support for their core operations. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Flexible⌛

Services & Industries

• Finance Types: Invoice Financing
• Industries: Recruitment, Consulting

Pros

• Flexible financing
• Quick approval

Cons

• Limited to certain industries

Sources: https://www.sonovate.com/

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. It is important to select a lender aligned with your business needs, whether through a broker, a bank, or a specialist provider. Providers offering faster decisions might have higher costs or more limited terms. Conversely, traditional banks may provide lower rates but with stricter criteria and longer processes. Understanding your priorities helps to match the right finance option to your growth plans.

Conclusion

Matching your finance provider to your needs depends on your business situation. Bank lenders often offer lower rates and more stability. Broker services can give quicker access and wider options. Specialist providers focus on specific sectors or types of funding. 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 specificities. Always confirm current costs and terms with the lender; pricing may change.