Top Revolving Credit Loan lenders for IT support Companies 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 is a UK-based finance company that offers diverse funding options tailored for SMEs. Its products include revolving credit and term loans suitable for finance needs such as working capital. Known for quick access and flexible terms, it helps businesses manage cash flow effectively.

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 4.9%
• Max APR: 15.9%
• Loan Duration: 1–60 months⌛

Services & Industries

• Finance Types: Revolving Credit, Term Loans, Invoice Financing
• Industries: IT Services, Healthcare, Retail

Pros

• Flexible loan terms
• Quick decision-making
• Diverse funding options

Cons

• Higher rates for new businesses

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

2. Iwoca

Iwoca Iwoca provides short-term working capital solutions mainly through flexible business loans and revolving credit. Its offerings are suitable for SMEs needing quick access and adaptable borrowing to support cash flow or growth initiatives.

Loan Details

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

Services & Industries

• Finance Types: Business Loans, Revolving Credit
• Industries: Retail, Construction, Consulting

Pros

• Fast approval process
• No early repayment fees

Cons

• High interest for low credit

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

3. Swoop Funding

Swoop Funding Swoop Funding offers a range of financial products including loans, equity, and grants. It works with SMEs requiring flexible funding sources. Known for quick processing, it supports businesses in managing cash flow and expansion plans.

Loan Details

• Min Amount: £1,000
• Max Amount: £500,000
• Min APR: 6.95%
• Max APR: 15%
• Loan Duration: 1 day to 60 months⌛

Services & Industries

• Finance Types: Loans, Equity Finance, Grants
• Industries: Retail, Recruitment, Agriculture

Pros

• Wide variety of funding types
• Savings on expenses

Cons

• Lengthy application process

Sources: https://swoopfunding.com

4. Capalona

Capalona Capalona provides a platform for comparing business finance options, including loans from various lenders. It offers quick access and flexible terms, suited for SMEs seeking efficient funding solutions for growth or working capital.

Loan Details

• Min Amount: £1,000
• Max Amount: £10,000,000
• Min APR: 7%
• Max APR: 20%
• Loan Duration: Flexible Terms⌛

Services & Industries

• Finance Types: Business Loans, Merchant Cash Advances
• Industries: All industries

Pros

• Diverse lender partners
• Quick eligibility checks

Cons

• High APR for unsecured loans

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

5. Clifton Private Finance

Clifton Private Finance Clifton Private Finance offers specialised property and bridging finance options, often secured against real estate assets. It caters to clients needing tailored loan structures for development or refinancing, providing flexible terms grounded on collateral.

Loan Details

• Min Amount: £50,000
• Max Amount: £2,000,000
• Min APR: 7%
• Max APR: 20%
• Loan Duration: 6–24 months⌛

Services & Industries

• Finance Types: Bridging Loans, Development Finance
• Industries: Property, Construction

Pros

• Tailored services
• Expert guidance

Cons

• Strict eligibility criteria

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

6. Ultimate Finance

Ultimate Finance Ultimate Finance offers asset-based lending suitable for working capital and growth funding. Its products are often quick to arrange and can be tailored without strict collateral. The firm focuses on supporting SMEs with flexible options.

Loan Details

• Min Amount: £50,000
• Max Amount: £2,000,000
• Min APR: 8%
• Max APR: 24%
• Loan Duration: 12 to 84 months⌛

Services & Industries

• Finance Types: Asset Finance, Invoice Finance
• Industries: Manufacturing, Logistics

Pros

• Rapid decision-making
• Specialist support

Cons

• Complex applications

Sources: https://ultimatefinance.co.uk

7. Aurora Capital

Aurora Capital Aurora Capital provides fast, flexible funding options, often unsecured or asset-backed, for SMEs seeking quick cash. It offers short to medium-term loans with rapid approval processes.

Loan Details

• Min Amount: £10,000
• Max Amount: £2,000,000
• Min APR: 8.9%
• Max APR: 12%
• Loan Duration: 1 month to 6 years⌛

Services & Industries

• Finance Types: Unsecured Loans, Merchant Cash Advances
• Industries: Retail, Manufacturing

Pros

• Quick approvals
• Tailored funding options

Cons

• High origination fees

Sources: https://auroracapital.co.uk

8. Pinnacle Business Finance

Pinnacle Business Finance Pinnacle offers customised asset and business loan products, often brokered through a network of lenders. Its loans are suitable for SMEs needing scalable funding options for growth or cash flow needs.

Loan Details

• Min Amount: £25,000
• Max Amount: £2,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 6–24 months⌛

Services & Industries

• Finance Types: Asset Loans, Revolving Credit
• Industries: Construction, Retail, Hospitality

Pros

• Flexible financing
• Wide lender selection

Cons

• Higher rates for low credit scores

Sources: https://pinnaclebusinessfinance.co.uk

9. Roma Finance

Roma Finance Roma Finance primarily services property developers and investors with tailored funding solutions focused on property investment and development. It supports borrowers seeking short or medium-term bridging and development loans grounded on collateral and project specifics.

Loan Details

• Min Amount: £35,000
• Max Amount: £3,600,000
• Min APR: 9%
• Max APR: 20%
• Loan Duration: 12 months⌛

Services & Industries

• Finance Types: Bridging Finance, Development Loans
• Industries: Real Estate, Construction

Pros

• Rapid funding
• Flexible terms

Cons

• High rates for short-term

Sources: https://romafinance.co.uk

10. Funding Circle

Funding Circle Funding Circle is a peer-to-peer lending platform that connects small businesses with investors for quick and accessible capital. It offers flexible repayment options and focuses on supporting growth through tailored lending solutions.

Loan Details

• Min Amount: £5,000
• Max Amount: £750,000
• Min APR: 4.5%
• Max APR: 10%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: Business Loans, Peer-to-peer Lending
• Industries: IT Services, Healthcare, Retail

Pros

• Peer network
• Quick application process

Cons

• No early repayment penalty

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

How to choose

When selecting a lender for IT support companies, consider the type of finance you need. Banks and traditional lenders often provide larger, asset-backed loans with longer terms. Brokers and online platforms can offer quicker access and more flexible options. Compare costs, repayment terms, and eligibility criteria. It helps to check how repayments align with your cash flow and seasonal ups and downs. Carefully review fee structures and early repayment conditions to avoid surprises.

Conclusion

Matching the right provider depends on your business needs. Banks typically offer larger amounts and longer terms and may require collateral. Brokers provide access to multiple lenders and quicker decisions. Specialist lenders focus on specific sectors or security types. Funding Agent can help compare options to find what fits your IT support company best. Always verify current costs and terms directly with lenders.