September 17, 2025

Lists

Top 10 Revolving Credit Loans for Recruitment Agencies in the UK for 2025

Explore the best revolving credit options for recruitment agencies in the UK, focusing on rates, flexibility, and speed of approvals. We've evaluated options based on ease of application and suitability for agency-specific needs.

Jesse Spence

SEO Specialist

Quick Comparison

UK focus; prices accurate as of 2025-09-17 where available.

#	Brand	One line summary
1	Funding Agent	Funding Agent offers quick and easy revolving credit loans tailored for recruitment agencies, with fast approvals and flexible amounts.
2	Swoop Funding	Swoop offers flexible revolving credit facilities and invoice finance tailored for recruitment agency cash flow and payroll needs.
3	Iwoca	Iwoca offers revolving credit lines with fast approval, ideal for agency wage runs and working capital plus flexible early repayment.
4	Capalona	Capalona connects agencies to revolving credit and invoice finance options designed for flexible recruitment sector funding.
5	Aurora Capital	Aurora Capital offers revolving credit and invoice discounting tailored to recruitment agencies requiring cash flow flexibility.
6	Pinnacle Business Finance	Pinnacle Business Finance sources revolving credit and invoice finance for recruitment agencies, helping manage working capital cycles.
7	Ultimate Finance	Ultimate Finance delivers recruitment finance including revolving facilities funding up to 95% of invoice values within 24 hours.
8	Clifton Private Finance	Clifton Private Finance compares revolving credit facilities, highlighting top lenders and their suitability for recruitment agencies.
9	Mint Finance	Mint Finance offers bespoke revolving credit and alternative funding for recruitment agencies with over 30 years of expertise.
10	First Oak Capital	First Oak Capital matches recruitment agencies with revolving credit and invoice discounting to boost working capital for payroll.

In-Depth Reviews

1. Funding Agent

What it is: Funding Agent provides revolving credit loans specifically designed for recruitment agencies, offering quick approvals and flexible loan amounts. Visit Funding Agent for more information.

Key statistics: Offers small to high credit amounts with quick approval processes, as of 2025-09-17.
Standout features: Easy application process, fast approvals, and adaptable loan sizes to fit agency needs.
Limitations or cons: Specific terms and conditions will depend on individual applications.
Case study: Effective for agencies needing immediate cash flow for payroll, as approvals can be processed swiftly.

2. Swoop Funding

What it is: Swoop Funding offers revolving credit facilities designed to address cash flow and payroll needs in recruitment agencies. Learn more about Swoop Funding.

Key statistics: Minimum £10,000, maximum £2,000,000, approval typically within 48 hours, as of 2025-03-21. Source
Standout features: Quick access to funds, integration with agency systems, transparent pricing.
Limitations or cons: Short-term borrowing costs can be higher.
Case study: Perfect for agencies planning to scale quickly while managing payroll efficiently.

3. Iwoca

What it is: Iwoca provides swift access to revolving credit lines suitable for supporting agency wage runs and rapid working capital needs. Read about Iwoca.

Key statistics: Interest rates start at 1.5% monthly, up to £500,000 credit limit as of 2025-09-17. Details here
Standout features: Flexibility to draw and repay at any time, quick decision process, no early repayment fees.
Limitations or cons: Not suitable for startups without trading history.
Case study: Ideal for agencies stabilising after a rapid growth phase, needing cash flow management without long-term commitments.

4. Capalona

What it is: Capalona acts as a broker connecting agencies to various revolving credit options that meet specific recruitment sector financial needs. See Capalona's offerings.

Key statistics: Requires a minimum annual turnover of £100,000 as of 2025-09-17. Source
Standout features: Whole-of-market panel, custom recommendations, support for rapid payroll setup.
Limitations or cons: Terms set individually by panel lenders.
Case study: Well-suited for agencies looking for bespoke financial solutions tailored to unique business models.

5. Aurora Capital

What it is: Aurora Capital specialises in revolving credit and invoice discounting products catered to the recruitment sector's demand for adaptable cash flow solutions. Discover more at Aurora Capital.

Key statistics: Credit facilities up to £2,000,000 available, as of 2025-09-17. Learn more
Standout features: Quick application, draw funds as needed, industry-focused advisers.
Limitations or cons: Fees vary depending on the chosen provider.
Case study: Effective for agencies seeking reliable cash flow management to support seasonal recruitment surges.

6. Pinnacle Business Finance

What it is: Pinnacle Business Finance excels in sourcing revolving credit and invoice financing options for recruitment agencies needing cash cycle management. Find out more.

Key statistics: 90% success rate for applications as of 2025-05-13. Source
Standout features: Expert broking support, access to a national lender panel, and transparent consultations.
Limitations or cons: Lender fees are disclosed at the offer stage.
Case study: Beneficial for agencies requiring customised financial solutions matched with suitable lenders.

7. Ultimate Finance

What it is: Ultimate Finance supplies recruitment finance solutions offering fast access to revolving facilities supporting up to 95% of invoice values. Explore Ultimate Finance.

Key statistics: Advance rate of up to 95% as of 2025-09-17. Source here
Standout features: Full back-office service, fast funding access, dedicated sector focus.
Limitations or cons: Initial setup can be complex for new agencies.
Case study: Ideal for agencies needing robust back-office finance support to maximise operational efficiency.

8. Clifton Private Finance

What it is: Clifton Private Finance offers comparison services for revolving credit facilities, helping agencies find the best option. Visit Clifton Private Finance.

Key statistics: Article with updated comparisons as of 2025-02-11. See more
Standout features: Independent comparisons, traditional and fintech options, UK lender focus.
Limitations or cons: Brokerage is required to apply.
Case study: Useful for agencies needing a broad perspective on available revolving credit options.

9. Mint Finance

What it is: Mint Finance provides bespoke and alternative funding solutions specifically designed for recruitment agencies. Learn more at Mint Finance.

Key statistics: Over 30 years of industry experience as of 2025-09-17. Source
Standout features: Highly consultative approach, broad UK lender access, specialised sector knowledge.
Limitations or cons: Details available via tailored quotes only.
Case study: Excellent for established agencies looking for in-depth consulting and tailored financing options.

10. First Oak Capital

What it is: First Oak Capital offers matching services for recruitment agencies with revolving credit and invoice discounting finance solutions. More about First Oak Capital.

Key statistics: Focus on revolving credit and invoice discounting for SMEs as of 2025-09-17. Source
Standout features: Hands-on process, lender panel access, SME focus in UK.
Limitations or cons: Requires a trading history for agency eligibility.
Case study: Suited for SMEs seeking expert guidance and dedicated lender matching services.

How to choose between these options

Budget and total cost; compare fees and APR via a neutral UK guide.
Eligibility and limits; match your needs with turnover and loan-to-value ratios from authoritative sources.
Speed vs flexibility; consider onboarding times and early exit terms, enhanced by quick approval stakes.
Operational fit; assess integrations and service models in relation to your agency setup.
Risk and protections; explore personal guarantees and debenture requirements with UK-specific guidance.

Related Guides from Our Site

Conclusion

Choosing the right revolving credit loan can greatly affect your agency's financial health. Assess your agency’s needs against each provider's strengths, from quick access to flexible funding. Prices may fluctuate, so it's wise to compare the latest offers. For fast and straightforward revolving credit loans tailored to recruitment agencies, submit a quick application with Funding Agent today.

‍

Table of Contents

Example H2

Example H3