Top Unsecured Corporate loan Lenders for Recruitment Agencies in the UK 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 2025-10-07.
Funding Agent Funding Agent offers unsecured business loans suitable for UK recruitment agencies. Its focus is on quick approval and flexible terms, often used for SME growth. These loans are unsecured, with options for fixed repayment and quick access.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 6.9%
- Max APR: 24.9%
- Loan Duration: 3–60 months⌛
Services & Industries
- Finance Types: Unsecured Business Loan, Invoice Financing
- Industries: Recruitment
Pros
- Fast approval
- Tailored for recruitment
Cons
- Higher APR for high risk businesses
Funding Circle Funding Circle is an online platform providing business loans for a wide range of UK SMEs. It is suitable for those seeking accessible, transparent, and versatile financing options. Funding is offered through peer-to-peer lending with flexible terms for different business needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 5.9%
- Max APR: 20.5%
- Loan Duration: 6–60 months⌛
Services & Industries
- Finance Types: Unsecured Business Loan
- Industries: All SMEs
Pros
- No hidden fees
- Competitive rates
Cons
- Strict credit requirements
iwoca iwoca provides flexible financial solutions catering to UK SMEs. Its offerings include rapid, unsecured loans, and credit facilities suitable for working capital, purchase, or refinance. The platform focuses on quick decisions and flexible repayment options for various sectors.
Loan Details
- Min Amount: £1,000
- Max Amount: £200,000
- Min APR: 12.3%
- Max APR: 39.9%
- Loan Duration: 1–24 months⌛
Services & Industries
- Finance Types: Short-term Loans, Credit Facility
- Industries: Retail, Services, Manufacturing
Pros
- Flexible repayment options
- Fast decision
Cons
- Higher rates for new businesses
Fleximize Fleximize offers flexible business loans suited for UK SMEs. It provides quick access to funding with options for repayable fixed-term loans or flexible lines of credit. Its focus is on fast, simple funding solutions for various sectors and needs.
Loan Details
- Min Amount: £5,000
- Max Amount: £250,000
- Min APR: 8.2%
- Max APR: 30%
- Loan Duration: 3–48 months⌛
Services & Industries
- Finance Types: Unsecured Business Loan, Merchant Cash Advance
- Industries: Healthcare, Retail, Professional Services
Pros
- Flexible eligibility criteria
- Tailored products
YouLend YouLend offers embedded finance options and flexible funding for UK SMEs. It covers various industries and facilitates quick access to capital, often through revenue-based or merchant cash advances. Its platform enables rapid funding with flexible repayment terms.
Loan Details
- Min Amount: £1,000
- Max Amount: £50,000
- Min APR: 9.99%
- Max APR: 29.99%
- Loan Duration: 1–12 months⌛
Services & Industries
- Finance Types: Revenue-based Financing, Merchant Cash Advance
- Industries: E-commerce, Technology
Pros
- Embedded finance options
- Fast access to capital
Capalona Capalona is a prominent UK broker that connects businesses with suitable funding solutions, including secured and unsecured options. It supports SMEs seeking flexible and sector-specific finance. The platform offers access to various lenders and funding types.
Loan Details
- Min Amount: £1,000
- Max Amount: £500,000
- Min APR: 6%
- Max APR: 35%
- Loan Duration: 3–60 months⌛
Services & Industries
- Finance Types: Unsecured Business Loan, Invoice Factoring
- Industries: Retail, Construction, Services
Pros
- Variety of finance options
- Inclusive for poor credit
Swoop Funding Swoop Funding streamlines the process for SMEs offering a comprehensive platform for loans, equity, and grants. It provides quick access to a range of funding options that relieve administrative burdens. The service is suitable for businesses looking for flexible capital solutions.
Loan Details
- Min Amount: £5,000
- Max Amount: £5,000,000
- Min APR: 4.8%
- Max APR: 20%
- Loan Duration: 6–72 months⌛
Services & Industries
- Finance Types: Unsecured Business Loan, Equity Finance
- Industries: All SMEs
Pros
- Comprehensive funds platform
- Competitive rates
Cons
- Complexities in application process
Bizcap Bizcap provides rapid unsecured business loans tailored to underserved sectors. Its flexible terms support small businesses needing quick access to capital. The provider offers a range of fast loan products suited for different risk profiles and growth phases.
Loan Details
- Min Amount: £5,000
- Max Amount: £750,000
- Min APR: 14.5%
- Max APR: 45%
- Loan Duration: 3–36 months⌛
Services & Industries
- Finance Types: Unsecured Business Loan, Credit Line
- Industries: Retail, Hospitality
Pros
- Quick turnaround
- No hidden fees
Cons
- High APR for riskier profiles
Clifton Private Finance Specialising in property and business finance, this provider offers tailored solutions including bridging and business loans. It supports UK businesses in securing finance for property transactions or refinancing with swift approval and flexible terms.
Loan Details
- Min Amount: £20,000
- Max Amount: £2,500,000
- Min APR: 5%
- Max APR: 25%
- Loan Duration: 6–36 months⌛
Services & Industries
- Finance Types: Bridging Loans, Business Loans
- Industries: Property, Construction
Pros
- Specialists in property finance
- Fast bridge loans
Cons
- Focus on property limits use cases
Portman Finance Portman Finance provides a range of financial solutions including asset-based and unsecured lending. Its focus is on flexible options that suit growing UK SMEs. The platform supports various loan types for different business needs and sectors.
Loan Details
- Min Amount: £5,000
- Max Amount: £2,000,000
- Min APR: 6.5%
- Max APR: 35%
- Loan Duration: 12–60 months⌛
Services & Industries
- Finance Types: Asset Finance, Unsecured Business Loan
- Industries: Manufacturing, Logistics, Healthcare
Pros
- Strong SME focus
- Broad financial services
Cons
- Higher costs for longer terms
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. For recruitment agencies, unsecured loans often offer quicker access but may come with higher rates. Sector-specific lenders or brokers can provide tailored options for your industry. Evaluate whether you need a fast, flexible product or a more structured longer-term financing solution.
Conclusion
Choosing the right provider depends on your specific needs. Banks typically offer larger, secured loans with longer terms. Brokers and specialist lenders often provide faster, unsecured options suited for SMEs. Consider the purpose of your borrowing and the level of security required. 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.
