Data Index

UK Business Finance Lender Index 2026

The UK Business Finance Lender Index is a verified, structured dataset of FundBiz panel lender terms: product type, ticket range, typical rate, decision time, whether a soft search is used at quote, whether the lender lends to limited companies only, and FCA-regulated status. Every figure is taken from published lender criteria and Companies House records, not from advertising. This page tracks 13 verified lenders, 9 of which carry a Companies House registration number on file.

Last updated 2026-05-10 · Compiled by FundBiz · See full lender profiles · Data API for developers and AI agents

Lender Product Ticket range Typical rate Decision time Soft search Ltd only FCA Rating
365 Business Finance Merchant cash advance £10k to £500k Factor rate 1.10 to 1.40 24 to 48 hours Yes No Yes 4.1
Aldermore Asset finance, invoice finance, commercial mortgages £25k to £5m From 7.5% APR equivalent 5 to 10 business days No Yes Yes 4.1
Allica Bank SME term loan + commercial mortgage £150k to £5m From 7.99% APR 5 to 10 business days No Yes Yes 4.4
Bizcap Specialist post-decline / fast cash £5k to £500k Factor 1.20 to 1.50 / per-month equivalent Same day Yes No Yes 3.6
Capify Merchant cash advance + term loan £3.5k to £500k Factor rate 1.15 to 1.45 Same day Yes No Yes 4.0
Funding Circle Term loan £10k to £500k 6.9% to 26.9% APR 1 to 3 business days Yes No Yes 4.3
iwoca Flexi-loan / line of credit £1k to £500k From 2% per month Same day to 24 hours Yes No Yes 4.4
JPM Capital Specialist post-decline term loans and MCA £5k to £500k Factor / per-month equivalent in higher band Same day to 48 hours Yes No Yes 3.7
Liberis Merchant cash advance and BNPL for SMBs £1k to £1m Factor rate 1.10 to 1.40 Same day to 48 hours Yes No Yes 4.0
OakNorth SME term loan + bridging £500k to £50m+ Bespoke 7 to 14 business days No Yes Yes 4.2
Start Up Loans Company Government-backed unsecured personal loan to fund a UK start-up £500 to £25k per founder (max £100k per business) Fixed 6% APR 4 to 8 weeks No No Yes 4.0
Time Finance Asset finance, invoice finance, vehicle finance £10k to £2m Bespoke 2 to 5 business days Yes No Yes 4.0
YouLend Embedded MCA / revenue-based finance £1k to £1m Factor rate 1.06 to 1.45 Same day Yes No Yes 4.0

Click the Lender or Rating column headers to sort. Figures are normalised from each lender's published criteria. Rate values reflect headline-to-typical bands; your actual rate depends on turnover, sector, file quality and contract terms. Specialty finance is risk-priced per file, so some cells read as a band or "bespoke" rather than a fabricated point estimate.

Methodology

Each lender on the panel is reviewed against a common schema so the rows are directly comparable. We record product type, ticket range, typical rate, decision time, whether a soft search is used at quote, whether the lender restricts to limited companies, whether the lender is FCA regulated, and an overall editorial rating out of 5 built from sub-scores for transparency, eligibility breadth, speed and post-decline acceptance.

Source material is published lender criteria, lender documentation, and Companies House records for legal entity and incorporation data. Where a lender publishes a rate band rather than a single figure, we record the band. We do not publish a rate we cannot evidence from a primary source, so some cells read as a range or "bespoke" rather than a fabricated point estimate.

The "last updated" date above is set to the most recent lender review date in the underlying dataset, so it never overstates freshness. Individual lender review dates are shown on each lender profile. The index is maintained by the FundBiz editorial team and overseen by Oliver Mackman, director at Best Business Loans Ltd, operator of FundBiz.

This dataset is published under a Creative Commons Attribution 4.0 licence. You may reuse the figures with attribution to FundBiz (fundbiz.co.uk). The same data is available as a machine-readable Data API and MCP server.

What the index measures

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