Independent ranking
Best UK business finance for technology and SaaS companies
Independent UK lender rankings matched to your file. Soft credit search only, post-decline routes included; typical decision times vary by product and lender and are stated in the ranking below.
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Technology and SaaS companies are asset-light and often pre-profit, so the products that fit look different from a typical trading business. Outfund names SaaS and subscription Ltds directly in its own eligibility criteria, YouLend funds recurring platform revenue same-day, and Funding Circle remains the realistic mainstream option once a tech company is profitable enough for a standard term loan. Pre-revenue or sub-£500k ARR businesses fall outside all of these and are better served by equity, grants or an R&D advance. This FundBiz ranking assesses 3 UK lenders for "best uk business finance for technology and saas companies", weighting primarily on revenue and arr-based underwriting fit (30%), decision speed (20%), transparency (20%) (see the full weighted criteria below). Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product criteria, not customer reviews and not paid placement. Inclusion is never paid for: FundBiz is paid by lenders on completed funding, not for a verdict, and commission never changes a position. Match against the panel in two minutes with a soft search only.
Source: FundBiz methodology, last reviewed 2026-08-03. Editorial by Best Business Loans Ltd (16833937).
Founder & Managing Director, Muswell Rose, FundBiz
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. His background runs through commercial finance, mortgages and fintech, including as managing director of an invoice finance business. He oversees FundBiz's specialty finance comparison and the logic behind how businesses are matched to lenders.
Last reviewed: 3 August 2026
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Revenue-based finance for online and subscription businesses · £10k to £10m · 24 to 48 hours
Names SaaS and subscription Ltds directly; underwrites on live Stripe and platform data rather than filed accounts.
Read full Outfund review → -
Embedded MCA / revenue-based finance · £1k to £1m · Same day
Same-day revenue-based finance for platform-led recurring revenue.
Read full YouLend review → -
Term loan · £10k to £500k · 1 to 3 business days
The realistic mainstream route once a tech Ltd has 2+ years trading and clean credit.
Read full Funding Circle review →
Side-by-side comparison
| Lender | Typical rate | Ticket | Decision | Best for |
|---|---|---|---|---|
| Outfund | Flat fee from around 5%, quoted at offer | £10k to £10m | 24 to 48 hours | Names SaaS and subscription Ltds directly; underwrites on live Stripe and... |
| YouLend | Factor rate 1.06 to 1.45 | £1k to £1m | Same day | Same-day revenue-based finance for platform-led recurring revenue. |
| Funding Circle | 6.9% to 26.9% APR | £10k to £500k | 1 to 3 business days | The realistic mainstream route once a tech Ltd has 2+ years trading and clean... |
What is the best business finance for a UK technology or SaaS company?
Outfund names SaaS and subscription Ltds directly in its own eligibility criteria and underwrites on live Stripe and platform data. YouLend funds recurring platform revenue same day. Funding Circle is the realistic mainstream route once a tech company is profitable enough for a standard term loan.
How does revenue-based finance work for a SaaS business?
The lender advances cash against recurring revenue (ARR or MRR) and takes a fixed share of monthly receipts until the fee is repaid, rather than charging compounding interest on a fixed term. This suits a growing subscription book better than balance-sheet-based unsecured lending.
What does technology and SaaS finance cost in the UK?
Outfund prices a flat fee from around 5% of the advance. Funding Circle prices 6.9% to 26.9% APR for a standard term loan. YouLend prices by factor rate, 1.06 to 1.45, on its embedded revenue-based product.
How fast can a tech company get funded?
YouLend can fund same day once platform data is connected. Outfund typically decides in 24 to 48 hours. Funding Circle, for the mainstream term-loan route, decides in 1 to 3 business days.
What stops a tech company getting finance?
Pre-revenue status, sub-£500k ARR, under 6 months of cash runway, and no committed customer contracts are the most common reasons a specialist tech lender declines. Pre-revenue companies are usually better served by equity, grants or an R&D advance than debt.
How we ranked these
We weight revenue and arr-based underwriting fit (30%), decision speed (20%), transparency (20%), eligibility breadth (15%), post-decline acceptance (15%). Rankings reflect our published editorial methodology, not any commercial arrangement. See our /methodology/ for the full basis.
Methodology weights
Weights specific to "Best UK business finance for technology and SaaS companies":
- Revenue and ARR-based underwriting fit30%
- Decision speed20%
- Transparency20%
- Eligibility breadth15%
- Post-decline acceptance15%
Read the full methodology for how we score and rank every lender on the FundBiz panel.
Also considered
- R&D tax credit advance specialists (see our R&D advance guide)
- Institutional venture debt providers for venture-backed companies
Not for
Pre-revenue or sub-£500k ARR companies; businesses with under 6 months of runway.
Check eligibility in two minutes
Tell us ticket size, trading history and sector. We match you against the FundBiz specialty panel and surface the lenders most likely to approve your file, including post-decline routes. Limited companies, LLPs and partnerships of 4+.
Open the eligibility checker →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-08-03. Editorial by Best Business Loans Ltd (16833937).