Top Revolving Credit Loan lenders for Consultancy Agencies in the UK for 2025

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.

Aurora Capital Aurora Capital provides flexible business funding options including secured and unsecured loans. Its offerings are suitable for growth and rescue finance, with quick turnaround times. It is often used by businesses seeking less rigid repayment terms. The provider focuses on collaborations and customised solutions for SMEs needing working capital. Here's what to know:

Pinnacle Business Finance Pinnacle Business Finance is a broker offering various business loans and asset finance solutions. It connects clients with lenders through a tailored process to meet different financing needs. The provider serves UK SMEs seeking bespoke, flexible loan products with guidance throughout the process. Its services include securing funding for growth, acquisition, or capital expenditure. Here's what to know:

Ultimate Finance Specialist in asset-based lending, offering flexible funding solutions for diverse business needs. Its services support sectors requiring quick access to working capital or asset refinancing. The provider facilitates quick decision-making and offers tailored solutions for SMEs. It often works through brokered or direct channels, emphasising liquidity and repayment options. Here's what to know:

Clifton Clifton offers a wide range of business loans, often focusing on larger funding amounts for growth or restructuring. Its approach includes secured and unsecured options, with an emphasis on sectors with substantial collateral or credit strength. The service is suitable for SMEs seeking customised solutions for significant capital needs. The provider emphasises efficiency and clear terms for larger loans. Here's what to know:

Prospera Funding Prospera Funding offers various types of business finance, including short-term loans and specialised types for growth or rescue finance. Its services focus on quick access and flexible terms for SMEs across sectors. The platform connects clients with lenders offering tailored terms suited for franchise or consultancy needs. Its solutions often include brokered or direct finance options with consideration for repayment flexibility. Here's what to know:

Christie Finance Christie Finance is a broker specialising in commercial loans and sector-specific financing for UK businesses. It provides tailored advice and funding solutions, often involving secured funding on assets or sector expertise. Its services are suited for SMEs needing sector-focused finance with flexible terms and swift access via broker channels. The firm supports growth, acquisition, and restructuring activities across sectors such as healthcare and hospitality. Here's what to know:

How to choose

Selecting the right lender depends on your specific needs. Banks often offer larger sums and potentially lower rates but may have stricter eligibility criteria. Brokers provide access to a wider range of lenders with varied terms, which can suit different risk profiles and requirements. For consultancy agencies seeking revolving credit, it’s important to compare flexibility, speed, and costs. Consider your repayment capacity and sector-specific needs. Always review fees, early repayment options, and eligibility before applying. Doing so helps find a solution aligned with your growth plans and cash flow.

Conclusion

Matching provider type to your use case ensures the best fit. Bank lenders are suited for larger, secured loans. Brokers can connect you with multiple lenders for more flexible options. Specialist providers focus on sector-specific or short-term needs. Always confirm current costs and terms with the lender; pricing may change. 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. Check details carefully to choose the best fit for your business.