Top Revolving Credit Loan lenders for Accountancy Firms 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 2025-10-06.

1. Funding Agent

Funding Agent Funding Agent offers flexible short-term finance solutions, often used for working capital needs or cash flow management. It is suitable for SMEs seeking quick access to funds with straightforward application processes. It suits accountancy firms needing quick, low-cost revolving credit options.

Loan Details

• Min Amount: £1,000
• Max Amount: £250,000
• Min APR: 6.9%
• Max APR: 12%
• Loan Duration: 1–60 months⌛

Services & Industries

• Finance Types: Revolving Credit, Business Loans
• Industries: Accountancy, Consultancy

Pros

• Tailored solutions for accountancy firms
• Quick decision making

Cons

• Strict eligibility criteria

Sources: https://www.fundingagent.co.uk/post/top-business-loan-options-for-accountancy-firms-uk

2. Iwoca

Iwoca Iwoca provides flexible financing options, including short-term loans and credit facilities for small and medium-sized businesses. Its products are suitable for firms looking for quick access, often secured on receivables or assets. It suits SMEs seeking fast, flexible funding solutions.

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 1 day–60 months⌛

Services & Industries

• Finance Types: Revolving Credit, Small Business Loans
• Industries: Retail, Hospitality, SMEs

Pros

• Flexible repayment options
• Fast decision process

Cons

• Higher APR for some businesses

Sources: https://www.iwoca.co.uk/finance-explained/business-loan-interest-rates

3. Fleximize

Fleximize Fleximize provides flexible funding options including unsecured loans and revolving credit to UK SMEs. It often caters to businesses needing quick access to working capital or expansion funds. It suits firms looking for adaptable finance with fast approval.

Loan Details

• Min Amount: £10,000
• Max Amount: £500,000
• Min APR: 8.9%
• Max APR: 25%
• Loan Duration: 1–60 months⌛

Services & Industries

• Finance Types: Unsecured Business Loans, Revolving Credit
• Industries: Marketing, Technology, SMEs

Pros

• Quick access to funds
• Loyalty discounted rates

Cons

• Higher APR for repeat borrowing

Sources: https://fleximize.com/business-loans

4. Time Finance

Time Finance Time Finance offers a range of finance products, including invoice finance and asset-based lending, often suitable for managing cash flow or refinancing assets. It is commonly used by SMEs needing flexible, quick funding solutions. It suits firms requiring diverse financing options for growth or restructuring.

Loan Details

• Min Amount: £50,000
• Max Amount: £500,000
• Min APR: 7.5%
• Max APR: 15%
• Loan Duration: 12–60 months⌛

Services & Industries

• Finance Types: Invoice Finance, Asset Based Lending
• Industries: Manufacturing, Haulage, Recycling

Pros

• Flexible funding solutions
• High loan cap

Cons

• Stricter credit requirements

Sources: https://timefinance.com/press-releases/time-finance-raises-lending-cap-to-5m-to-boost-sme-support

5. Bibby Financial Services

Bibby Financial Services Bibby Financial Services provides invoice finance solutions, including factoring and revolving credit, mainly supporting businesses seeking to improve cash flow. It is suitable for SMEs needing quick, flexible finance backed by invoices or receivables. It suits growing firms that want reliable cash flow support.

Loan Details

• Min Amount: £2,000
• Max Amount: £500,000
• Min APR: 7%
• Max APR: 29%
• Loan Duration: 12–24 months⌛

Services & Industries

• Finance Types: Invoice Factoring, Revolving Credit
• Industries: Logistics, Wholesale, SMEs

Pros

• Wide range of industries
• Large maximum loan size

Cons

• High maximum APR

Sources: https://www.bibbyfinancialservices.com

6. Aldermore

Aldermore Aldermore provides a range of financing options including term loans and invoice finance designed for UK businesses. It is suitable for firms seeking growth capital, refinancing, or working capital support. It offers swift, flexible, and competitive solutions for various sectors.

Loan Details

• Min Amount: £25,000
• Max Amount: £2,000,000
• Min APR: 3.5%
• Max APR: 12%
• Loan Duration: 12–120 months⌛

Services & Industries

• Finance Types: Term Loans, Invoice Finance
• Industries: Construction, Transport, Agriculture

Pros

• Competitive rates
• Long duration loans

Cons

• Some services online only

Sources: https://www.aldermore.co.uk/business-finance

7. Close Brothers

Close Brothers Close Brothers is a merchant banking group offering a variety of finance products, including secured and unsecured lending for different business purposes. It tends to serve firms needing larger amounts or structured, bespoke facilities. It is used for strategic growth, acquisitions, or refinancing.

Loan Details

• Min Amount: £5,000
• Max Amount: £100,000,000
• Min APR: 2.5%
• Max APR: 12%
• Loan Duration: 12–120 months⌛

Services & Industries

• Finance Types: Asset Finance, Business Loans
• Industries: Aviation, Marine, Media

Pros

• Wide range of products
• Large loan amounts

Cons

• Complex application process

Sources: http://www.closebrothers.com

8. Barclays

Barclays Barclays is a major international bank offering a variety of business banking services including flexible loans and overdraft facilities. It is suitable for companies seeking reliable, scalable financing options and sector-specific solutions. It often supports growth and working capital needs.

Loan Details

• Min Amount: £1,000
• Max Amount: £2,000,000
• Min APR: 11.2%
• Max APR: 14.9%
• Loan Duration: 12–120 months⌛

Services & Industries

• Finance Types: Business Loans, Growth Guarantee Scheme
• Industries: Healthcare, Real Estate, Agriculture

Pros

• Strong financial backing
• Diverse financial products

Cons

• Higher interest rates for small loans

Sources: https://www.barclays.co.uk/business-banking/sectors

9. HSBC

HSBC HSBC offers a wide range of financial products tailored to business needs, including secured and unsecured loans with flexible repayment options. It is suitable for firms looking for customised solutions and sector-specific support. It supports businesses across various industries seeking reliable financing.

Loan Details

• Min Amount: £1,000
• Max Amount: £25,000
• Min APR: 11.3%
• Max APR: 12.9%
• Loan Duration: 12–120 months⌛

Services & Industries

• Finance Types: Small Business Loans, Flexi Loans
• Industries: Agrifoods, Education, Energy

Pros

• Well-established global presence
• Sector-specific support

Cons

• Higher APR for small businesses

Sources: https://www.business.hsbc.uk/en-gb/corporate/campaigns/sectors

10. Funding Circle

Funding Circle Funding Circle primarily operates as an online marketplace, connecting SMEs with investors for unsecured and secured loans. It is suitable for businesses seeking quick approval for growth or refinancing. It offers a streamlined process for those looking for transparent, brokered funding options.

Loan Details

• Min Amount: £10,000
• Max Amount: £750,000
• Min APR: 6.9%
• Max APR: 12%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: SME Loans, Revolving Credit
• Industries: Technology, Retail, Hospitality

Pros

• Quick decisions
• Competitive interest rates

Cons

• Limited to SMEs

Sources: https://www.fundingcircle.com/uk/small-business-loans

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. Selecting a provider depends on your specific needs. For fast, flexible borrowing, online lenders or brokers may suit. For larger, secured, or sector-specific finance, traditional banks or specialist firms are often better. Always compare the total cost and repayment conditions to find the best fit.

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. Matching the right lender to your needs involves knowing whether to choose a bank, broker, or specialist funder. Consider the specific use case and the type of finance required. Careful comparison ensures the best value and suitability. Funding Agent can help guide your decision.