Quick Compare:

1. Funding Agent

Funding Agent Funding Agent is a UK business finance broker that helps SMEs access funding from a panel of lenders. It specialises in connecting clients with loans suited for various purposes, including working capital and expansion. The process often involves brokered access, offering a range of flexibility and security. It is suitable for franchise buyers seeking quick, straightforward funding options.

Loan Details

• Min Amount: £10,000
• Max Amount: £1,000,000
• Min APR: 5%
• Max APR: 15%
• Loan Duration: 6 to 72 months⌛

Services & Industries

• Finance Types: Working Capital Loan, Business Expansion Loan
• Industries: Technology, Healthcare, Manufacturing

Pros

• Competitive APR
• Flexible terms

Cons

• Eligibility criteria apply

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

2. Swoop Funding

Swoop Funding Swoop Funding is a UK-based online lending platform that connects borrowers with tailored franchise finance loans, suitable for both new and established franchisees. It offers rapid application options and a variety of loan types, often brokered through partnerships. This solution is ideal for franchise owners needing flexible and accessible funding.

Loan Details

• Min Amount: £1,000
• Max Amount: £5,000,000
• Min APR: 3.9%
• Max APR: 25%
• Loan Duration: 1 to 24 months⌛

Services & Industries

• Finance Types: Secured Loan, Unsecured Loan
• Industries: Retail, Construction, Agriculture

Pros

• Diverse funding options
• Fast application

Cons

• Collateral may be required

Sources: https://swoopfunding.com/uk/business-loan-calculator/

3. NGI Finance

NGI Finance NGI Finance specialises in providing funding solutions for franchisees and franchisors, including loans and complex financing packages. Its services often involve structured finance options and bespoke solutions tailored to business needs. The provider caters to businesses requiring flexible terms and high-quality support in securing funding for growth or acquisition.

Loan Details

• Min Amount: £25,000
• Max Amount: £1,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Franchise Funding, Asset Finance
• Industries: General Commerce

Pros

• High success rate
• Tailored finance packages

Cons

• Limited APR information

Sources: https://ngifranchisefunding.co.uk/

4. Iwoca

Iwoca Iwoca offers flexible funding solutions designed for small businesses, including options for franchise operators. Its process emphasises speed and ease, often providing quick approvals with various repayment options. The provider focuses on secured and unsecured lending, suitable for borrowers wanting flexible terms across sectors.

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 5%
• Max APR: 49%
• Loan Duration: 1 to 24 months⌛

Services & Industries

• Finance Types: Small Business Loan
• Industries: Retail, Services, Crafts

Pros

• Quick approval process
• No early repayment fees

Cons

• High APR for some loans

Sources: https://www.iwoca.co.uk/business-loan-calculator/

5. Clifton Private Finance

Clifton Private Finance Clifton Private Finance offers expert lending advice and customised finance solutions, often focusing on property-backed financing for UK and international clients. Its services are suitable for businesses seeking bespoke options with flexible repayment terms and high-level support, including secured loans for growth or asset purchase.

Loan Details

• Min Amount: £50,000
• Max Amount: £15,000,000
• Min APR: 7%
• Max APR: 30%
• Loan Duration: 3 to 72 months⌛

Services & Industries

• Finance Types: Secured Loan, Property Finance
• Industries: Real Estate, Agriculture, Commercial

Pros

• Tailored lending solutions
• Competitive rates

Cons

• Requires collateral

Sources: https://www.cliftonpf.co.uk/business-loans/

6. Fleximize

Fleximize Fleximize provides flexible finance options for SMEs in the UK, focusing on quick approvals and customised repayment plans. Its services are suitable for businesses needing flexible capital solutions with transparency and potentially unsecured options. The process emphasises speed and risk mitigation, making it popular for franchise growth and working capital.

Loan Details

• Min Amount: £10,000
• Max Amount: £500,000
• Min APR: 10.8%
• Max APR: 46.8%
• Loan Duration: 3 to 60 months⌛

Services & Industries

• Finance Types: Working Capital Loan, Unsecured Loan
• Industries: Retail, Services

Pros

• No penalties for early repayments
• Loyalty rewards

Cons

• Higher rates for unsecured loans

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

7. Principal Business Finance

Principal Business Finance Principal Business Finance offers tailored funding solutions primarily focusing on growth and asset finance for UK businesses. Its approach involves structured plans that cater to different sectors, including service-based and growth sectors. It supports clients seeking flexible repayment options and broad lender networks, often involving brokered access to financing.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Asset Finance, Growth Finance
• Industries: Service-Based Businesses, Growth Sectors

Pros

• Custom-tailored financing plans
• Wide network of lenders

Cons

• Lacks transparency on rates

Sources: https://principalbusinessfinance.co.uk/

8. Bear Business Finance

Bear Business Finance Bear Business Finance specialises in providing funding for UK firms, including sectors like hospitality and retail. Its offerings often involve secured loans and asset-backed solutions aimed at growth or operational needs. The provider focuses on quick turnaround times and tailored finance packages for various industry requirements.

Loan Details

• Min Amount: £1,000
• Max Amount: £5,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 3 to 72 months⌛

Services & Industries

• Finance Types: Asset Finance, Business Loan
• Industries: Jewellery, Hospitality

Pros

• Fast approvals
• Broad industry coverage

Cons

• Limited accounting of APR

Sources: https://www.bearbusinessfinance.com/hospitality-funding

9. Rosewood Finance

Rosewood Finance Rosewood Finance offers a range of finance packages focused on franchise funding for UK entrepreneurs. It claims to support SMEs with flexible options, including short and long-term secured or unsecured facilities. The provider offers tailored solutions, focusing on high-growth potential sectors and adaptable repayment plans.

Loan Details

• Min Amount: £5,000
• Max Amount: £2,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Franchise Loan, Supply Chain Finance
• Industries: Small Enterprises

Pros

• Highly rated on Trustpilot
• Comprehensive franchise support

Cons

• Requires detailed business plans

Sources: https://rosewoodfinance.co.uk/franchise-finance/

10. Johnson Reed

Johnson Reed Johnson Reed provides equipment leasing and tailored finance solutions for franchise businesses. Its services are suitable for those seeking specialised leasing and asset finance options. The provider focuses on quick approvals and flexible terms for various sectors, including hospitality and leisure.

Loan Details

• Min Amount: £1,000
• Max Amount: £750,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 12 to 60 months⌛

Services & Industries

• Finance Types: Equipment Leasing, Asset Finance
• Industries: Franchise , Leisure, Hospitality

Pros

• Specializes in equipment leasing
• Flexible terms and quick approvals

Cons

• Limited online presence

Sources: https://www.johnsonreed.co.uk/sectors/finance-solutions-for-franchise-businesses

How to choose

Matching the right lender to your franchise needs involves assessing the loan purpose and size. Brokers like Funding Agent offer quick, straightforward comparisons for small and medium-sized loans. Banks and specialised lenders provide larger, tailored solutions often requiring more detailed application processes. Consider repayment flexibility, security, and fees to find the best fit. Always review lender criteria before applying.

Conclusion

For quick access to multiple options, brokers like Funding Agent are effective. Larger amounts or sector-specific needs may require specialised lenders or banks. Consider the type of finance, security requirements, and repayment options. Always verify current costs and terms with the lender; pricing can change. Matching the provider type to your business and financing needs is key.