Top MCA Loan Providers for Nightclubs 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 is a UK-based financial services provider focusing on a variety of business financing options, including merchant cash advances. It caters to small and medium-sized enterprises needing quick funding and flexible terms. 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: 6%
- Max APR: 15%
- Loan Duration: 1–24 months⌛
Services & Industries
- Finance Types: Merchant Cash Advance, Business Loans
- Industries: Retail, Hospitality, Healthcare
Pros
- Flexible funding options
- Quick approval process
Cons
- Higher APR compared to traditional loans
Sources: https://www.fundingagent.co.uk/post/the-best-mca-loan-lenders-in-the-uk
2. Portman Finance
Portman Finance Portman Finance offers a broad range of business finance options for SMEs. It includes asset finance and working capital solutions. It is suitable for businesses seeking quick, structured funding options with broker access. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 5%
- Max APR: 30%
- Loan Duration: Up to 6 years⌛
Services & Industries
- Finance Types: Asset Finance, Business Loans
- Industries: Professional Services
Pros
- Access to 45+ lenders
- Both lender and broker
Cons
- Complex loan structures
Sources: https://portmanfinancegroup.co.uk/business-loans/
3. Clifton Private Finance
Clifton Private Finance Clifton Private Finance provides customised financial solutions, mainly for property and business finance needs. It supports clients seeking large loans and property-related funding with fast or tailored processing. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £15,000,000
- Min APR: 7%
- Max APR: 20%
- Loan Duration: 1–25 years⌛
Services & Industries
- Finance Types: Bridging Loans, Property Finance
- Industries: Property
Pros
- Fast processing
- Specialists in large loans
Cons
- High APR for smaller loans
Sources: https://www.cliftonpf.co.uk/business-loans/
4. Swoop Funding
Swoop Funding Swoop Funding is a UK platform offering various funding types for businesses, including loans and equity options. It is suitable for SMEs needing flexible funding solutions with quick access and potential for tax savings. 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: 6.9%
- Max APR: 67.89%
- Loan Duration: 12 months⌛
Services & Industries
- Finance Types: Equity Finance, Invoice Finance
- Industries: Retail, Finance
Pros
- Diverse funding sources
- User-friendly platform
Cons
- Limited duration for higher loans
Sources: https://swoopfunding.com/uk/business-loans/
5. Sedulo Funding
Sedulo Funding Sedulo Funding offers quick and flexible financing options, mainly through asset-based lending. It supports businesses seeking tailored, secured funding solutions with fast decision making. 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: 30%
- Loan Duration: Variable⌛
Services & Industries
- Finance Types: Asset-Based Lending, Business Loans
- Industries: Manufacturing, Retail
Pros
- Quick decision making
- Specialists in asset lending
Cons
- Higher average APR
Sources: https://sedulofunding.co.uk/business-loans/
6. TOR Business Finance
TOR Business Finance TOR Business Finance provides customised funding solutions for SMEs, traders, and property investors. It offers flexible, tailored options with a focus on structured repayment plans. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:
Loan Details
- Min Amount: £3,000
- Max Amount: £5,000,000
- Min APR: 5%
- Max APR: 20%
- Loan Duration: 1–25 years⌛
Services & Industries
- Finance Types: Merchant Cash Advances, Revolving Credit
- Industries: Trading, Property
Pros
- Flexible repayment plans
- Wide range of services
Cons
- Complex application process
Sources: https://www.torbusinessfinance.co.uk/
7. SME Loans
SME Loans SME Loans provides small business loans for UK companies with flexible options. It offers quick, straightforward funding solutions ideal for franchise or growing businesses. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £500,000
- Min APR: 11.2%
- Max APR: 25%
- Loan Duration: 1–7 years⌛
Services & Industries
- Finance Types: Business Loans, Cash Flow Loans
- Industries: Small Business
Pros
- No set-up fees
- Quick online application
Cons
- Relatively high APR
Sources: https://www.smeloans.co.uk/
8. Swift Fund
Swift Fund Swift Fund offers fast business advances geared toward SMEs needing quick cash flow support. It provides flexible funding options with quick approval processes. 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%
- Max APR: 15%
- Loan Duration: 1–5 years⌛
Services & Industries
- Finance Types: Business Advances, Working Capital Loans
- Industries: Retail, Food & Beverage
Pros
- Fast approval
- No hidden fees
Cons
- Shorter loan durations
Sources: https://swiftfund.co.uk/business-financing/
9. Percy Finance
Percy Finance Percy Finance connects UK businesses with various financing options including asset finance and loans. It offers flexible funding for firms with varying needs. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:
Loan Details
- Min Amount: £5,000
- Max Amount: £5,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable⌛
Services & Industries
- Finance Types: Asset Finance, Invoice Finance
- Industries: Transport, Construction
Pros
- Tailored solutions
- Broad lending network
Cons
- No specific APR details
Sources: https://percyfinance.co.uk/
10. Funding Unlocked
Funding Unlocked Funding Unlocked provides access to a variety of finance options for UK SMEs, including loans and alternative funding sources. It helps businesses find suitable, flexible financing aligned with growth ambitions. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:
Loan Details
- Min Amount: £1,000
- Max Amount: £20,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable⌛
Services & Industries
- Finance Types: Business Loans, Merchant Cash Advance
- Industries: All Sectors
Pros
- Large range of funding options
- Partner with many lenders
Cons
- Lacking transparency in rates
Sources: https://fundingunlocked.co.uk/
How to choose
Matching the right provider depends on your specific needs. For franchises looking for quick access and less collateral, merchant cash advance providers offer fast approval with flexible repayment. Larger businesses or those seeking property-secured funding may prefer brokered options or specialist lenders. Consider your loan size, repayment capacity, and sector requirements. Reviewing fees and flexibility in early repayment can also influence your choice. The key is aligning loan terms with your business’s cash flow and growth plans for the year.
Conclusion
Matching the appropriate provider depends on your specific use case. Business banks offer straightforward, regular funding options for established companies. Brokers can connect you with multiple lenders and products suitable for varied needs. Specialist lenders and asset-based financiers cater to larger or secured loan requirements. Funding Agent is a useful resource for quick comparisons across many options. Always confirm current costs and terms with the lender; pricing may change.
