Data Index

UK Business Finance Lender Index 2026

Cite this dataset: Parker, A. (2026). UK Business Finance Lender Index: Published Lender Terms Dataset. Zenodo. https://doi.org/10.5281/zenodo.21536184

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, and whether the lender lends to limited companies only. Every figure is taken from published lender criteria and Companies House records, not from advertising. This page tracks 99 verified lenders, 83 of which carry a Companies House registration number on file.

Last updated 2026-07-18 · 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 Rating
365 Business Finance Merchant cash advance £10k to £500k Factor rate 1.10 to 1.40 24 to 48 hours Yes No 4.1
Aldermore Asset finance, invoice finance, commercial mortgages £25k to £5m From 7.5% APR equivalent 5 to 10 business days No Yes 4.1
Allica Bank SME term loan + commercial mortgage £150k to £5m From 7.99% APR 5 to 10 business days No 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 3.6
Capify Merchant cash advance + term loan £3.5k to £500k Factor rate 1.15 to 1.45 Same day Yes No 4.0
Funding Circle Term loan £10k to £500k 6.9% to 26.9% APR 1 to 3 business days Yes No 4.3
iwoca Flexi-loan / line of credit £1k to £500k From 2% per month Same day to 24 hours Yes No 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 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 4.0
OakNorth SME term loan + bridging £500k to £50m+ Bespoke 7 to 14 business days No 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 7.5% APR 4 to 8 weeks No No 4.0
Time Finance Asset finance, invoice finance, vehicle finance £10k to £2m Bespoke 2 to 5 business days Yes No 4.0
YouLend Embedded MCA / revenue-based finance £1k to £1m Factor rate 1.06 to 1.45 Same day Yes No 4.0
Wayflyer Revenue-based finance for ecommerce £10k to £20m Fixed fee 2% to 8% of the advance 24 to 48 hours Yes Yes 4.2
Outfund Revenue-based finance for online and subscription businesses £10k to £10m Flat fee from around 5%, quoted at offer 24 to 48 hours Yes Yes 4.1
Tide loans (Funding Options) Broker / aggregator (not a direct lender) £500 to £20m (panel-priced) Varies by panel lender 24 hours to 5 days Yes No 3.9
Fleximize Term loan with flex features £5k to £500k From 0.9% per month 24 to 48 hours Yes No 4.0
Acorn Commercial Finance Asset-backed and commercial finance specialist £10k to £2m Bespoke 3 to 7 business days Yes No 3.8
Shawbrook Bank Term loans, asset finance, commercial property £25k to £25m Bespoke 7 to 14 business days No Yes 4.0
Sigma Lending Unsecured term loan £5k to £150k Quoted at offer Same day to 24 hours Yes Yes 3.6
Swiftfund Merchant cash advance £10k to £500k Factor rate, quoted at offer Same day to 48 hours Yes No 3.8
Cubefunder Unsecured fixed-fee term loan £5k to £100k Fixed total fee, quoted at offer 24 to 48 hours Yes Yes 4.0
Got Capital Revenue-based business funding advance £2k to £300k Factor fee, quoted at offer Same day to 48 hours Yes No 4.2
MCL Finance Unsecured term loan and merchant cash advance £5k to £100k Factor rate or fixed fee, quoted at offer 24 hours Yes Yes 4.2
MaxCap Unsecured term loan £3k to £100k Quoted at offer Same day Yes Yes 3.9
Funding Alternative Short-term unsecured cash flow advance £25k upwards Fixed fee, paid back over 3 to 6 months Same day to 48 hours Yes No 3.6
LendingCrowd Term loan £75k to £500k Fixed for the term, quoted at offer 24 to 48 hours Yes Yes 4.0
Swishfund Unsecured term loan £10k to £400k 1.1% to 3% per month Same day decision; funds 24 to 48 hours Yes Yes 3.9
Bibby Financial Services Invoice finance, factoring, asset-based lending £25k to £25m+ facility Service fee plus discount margin, quoted at offer 5 to 10 business days No No 4.1
Close Brothers Asset finance, invoice finance, commercial loans £25k to £25m+ Bespoke, quoted at offer 5 to 14 business days No No 4.2
Nucleus Commercial Finance Term loans, asset finance, invoice finance, property finance £25k to £20m Bespoke, from around 8% APR equivalent 24 hours to 7 business days Yes No 4.0
Capital on Tap Business credit card with revolving credit line Up to £250k credit limit From 15.5% APR variable on cash; 0% on card spend if cleared in full 2 minutes to same day Yes No 4.3
Hampshire Trust Bank Asset finance, commercial mortgages, bridging, development finance £25k to £25m+ Bespoke, quoted at offer 5 to 15 business days No Yes 4.1
United Trust Bank Bridging, development finance, asset finance, structured property £100k to £25m+ Bespoke, quoted at offer 5 to 14 business days No Yes 4.2
Sonovate Embedded finance and contractor pay funding for recruitment and consultancy agencies £10k to £15m+ rolling facility Service fee plus discount margin, quoted at offer 3 to 10 business days No Yes 4.3
White Oak UK SMB term loans, asset finance, professional finance £5k to £500k Bespoke, quoted at offer 24 hours to 5 business days Yes No 4.0
ThinCats Mid-market SME term loans (now part of Shawbrook Group) £1m to £15m Bespoke, quoted at offer 2 to 6 weeks No Yes 4.0
Barclays Business loans, overdrafts, asset finance, commercial mortgages £1k to several million From around 7% to 12% APR for unsecured term loans 1 to 4 weeks depending on ticket size No No 3.8
Lloyds Bank Business loans, overdrafts, commercial mortgages, asset finance £1k to £500k+ unsecured; larger via secured facilities From around 7.4% to 12% APR for unsecured term loans 5 to 15 business days No No 3.8
NatWest Business loans, overdrafts, asset finance, commercial mortgages £1k to £500k+ unsecured; larger via secured facilities From around 7.5% to 12% APR for unsecured term loans 5 to 15 business days No No 3.8
HSBC UK Business loans, working capital, asset finance, international trade finance £25k to several million From around 7% to 12% APR for unsecured term loans 1 to 4 weeks depending on ticket size No No 3.8
Santander UK Business loans, overdrafts, commercial mortgages, international finance £5k to £500k+ unsecured; higher via secured facilities From around 7.5% to 12% APR for unsecured term loans 5 to 15 business days No No 3.7
Royal Bank of Scotland Business loans, overdrafts, asset finance, commercial mortgages £1k to £500k+ unsecured; larger via secured facilities From around 7.5% to 12% APR for unsecured term loans 5 to 15 business days No No 3.7
Assetz Capital SME term loan + commercial property + bridging £250k to £10m Bespoke 5 to 15 business days No Yes 4.0
Caple Unsecured SME growth loan £500k to £5m Bespoke 4 to 8 weeks No Yes 3.9
Credit4 SME term loan + revolving credit £25k to £250k From around 9% APR 24 to 72 hours Yes Yes 3.9
Crowd2Fund P2P SME term loan £10k to £1m 8% to 18% APR 5 to 15 business days No No 3.7
Growth Lending Growth term loan + asset-based + recovery finance £1m to £25m Bespoke 4 to 8 weeks No Yes 4.1
Hodge Bank Commercial mortgage + asset finance + bridging £250k to £10m From around 7% APR 5 to 15 business days No Yes 4.0
Investec Corporate banking + asset finance + commercial property £500k to £50m+ Bespoke 2 to 6 weeks No Yes 4.2
LendInvest Bridging + buy-to-let + development finance £75k to £15m From around 0.55% per month bridging / 5% APR BTL 3 to 10 business days No No 4.2
Kriya Invoice finance + B2B BNPL + business loan £10k to £1m From around 0.5% per month 24 to 72 hours Yes Yes 4.0
Momenta Finance SME term loan + merchant cash advance £5k to £500k From around 1% per month / factor rates on MCA Same day to 48 hours Yes No 4.0
eCapital Invoice finance + asset-based lending £50k to £10m From around 1.5% above base on advanced funds 5 to 10 business days No Yes 3.9
Paragon Bank Asset finance + commercial property + development finance £25k to £25m Bespoke 5 to 15 business days No Yes 4.1
Secure Trust Bank Commercial finance + asset finance + invoice finance £50k to £25m Bespoke 5 to 15 business days No Yes 4.0
Skipton Business Finance Invoice finance (factoring + invoice discounting) £25k to £5m From around 1.5% above base on advanced funds 5 to 10 business days No No 4.1
Avamore Capital Bridging and development finance £500k to £25m From 0.65% per month 3 to 10 business days No No 4.0
Blazehill Capital Asset-backed term loans and special situations £5m to £75m Bespoke 4 to 8 weeks No Yes 4.0
Fiduciam Bridging and short-term SME loans £250k to £25m From 0.69% per month 5 to 15 business days No No 4.0
Glenhawk Bridging finance £300k to £10m From 0.69% per month 3 to 10 business days No No 4.1
Hope Capital Bridging finance £50k to £10m From 0.69% per month 3 to 10 business days No No 4.0
Iron Bridge Finance Property-secured short-term finance £100k to £5m From 0.85% per month 5 to 15 business days No No 3.7
Kuflink Bridging finance and P2P property lending £75k to £3m From 0.55% per month 3 to 10 business days No No 4.2
Maslow Capital Development finance £10m to £150m Bespoke 4 to 8 weeks No Yes 4.0
Mint Property Finance Bridging and refurbishment finance £100k to £5m From 0.69% per month 3 to 10 business days No No 4.1
MT Finance Bridging and BTL mortgages £50k to £10m From 0.75% per month 3 to 10 business days No No 4.2
Octane Capital Bridging, refurbishment and BTL £150k to £30m From 0.69% per month 3 to 10 business days No No 4.2
Octopus Real Estate Property finance: bridging, development, healthcare £500k to £200m+ Bespoke 5 to 20 business days No Yes 4.1
Ortus Secured Finance Bridging and short-term commercial property finance £150k to £5m From 0.79% per month 3 to 10 business days No No 4.0
Pluto Finance Development finance and residential lending £2m to £100m Bespoke 4 to 8 weeks No Yes 4.0
Puma Property Finance Development and investment property finance £3m to £75m Bespoke 3 to 6 weeks No Yes 4.0
Roma Finance Bridging and BTL mortgages £75k to £3m From 0.69% per month 3 to 10 business days No No 4.1
Selina Finance Property-secured business and personal credit lines £10k to £500k From 7.99% APR 3 to 10 business days Yes No 4.1
Together Bridging, BTL, commercial mortgages and second charge £25k to £30m From 0.65% per month (bridging) / 7.5% APR (mortgages) 5 to 15 business days No No 4.2
4Syte Invoice finance and asset-based lending £25k to £5m Quoted at offer 24 to 72 hours No No 3.8
Arbuthnot Latham Private bank commercial lending £1m to £25m Quoted at offer 2 to 6 weeks No Yes 4.1
Argyll Property Partners Property-backed business and development finance £500k to £15m Quoted at offer 1 to 4 weeks No Yes 3.7
Breal Zeta CF Asset-based lending and commercial finance £2m to £30m Quoted at offer 2 to 6 weeks No Yes 3.8
Clydesdale Bank Business banking and SME lending £25k to £25m+ Quoted at offer 1 to 4 weeks No No 3.5
FGI Finance International factoring and trade finance £500k to £20m Quoted at offer 2 to 4 weeks No Yes 3.8
GapCap Invoice and asset finance £25k to £1m Quoted at offer 24 to 72 hours No No 3.8
Haydock Finance Asset finance (hire purchase and lease) £5k to £500k Quoted at offer 24 to 72 hours No No 4.2
Hydr Invoice finance (selective) £1k to £150k per invoice Flat fee per invoice Same day to 24 hours Yes Yes 4.0
IGF Invoice Finance Invoice finance and ABL £100k to £15m Quoted at offer 1 to 3 weeks No Yes 4.0
Liberty Leasing Asset finance (hire purchase and lease) £3k to £500k Quoted at offer 24 to 72 hours No No 4.0
PNC Business Credit Asset-based lending (cross-border) £10m to £100m+ Quoted at offer 4 to 8 weeks No Yes 3.7
Propel Asset finance (hire purchase and lease) £2k to £1m Quoted at offer Same day to 48 hours No No 4.3
Redwood Bank SME commercial mortgage and term loan £250k to £2.5m From 7.5% APR 5 to 15 business days No Yes 4.1
Reparo Short-term business loan and bridging £10k to £1m 1% to 3% per month 24 to 72 hours No No 4.0
Shard Credit Partners Private credit / direct lending £5m to £30m Quoted at offer 4 to 10 weeks No Yes 4.0
SME Capital SMB term loan £250k to £5m Quoted at offer 2 to 6 weeks No Yes 3.8
TFG Capital Short-term business loan £25k to £500k 1.5% to 3% per month 24 to 72 hours No Yes 3.9
TradeRiver Trade finance (revolving purchase facility) £100k to £3m Quoted at offer 1 to 3 weeks No Yes 3.9
Triple Point SME private credit and leasing £500k to £20m Quoted at offer 3 to 8 weeks No Yes 4.0
Ultimate Finance Invoice finance, asset finance and bridging £10k to £5m Quoted at offer 24 to 72 hours No No 4.2
Starling Bank Business term loan + overdraft £25k to £250k From 7% APR 2 to 5 business days No Yes 4.3
Cashplus Bank Business loan + creditbuilder + overdraft £2k to £25k Quoted at offer 1 to 3 business days No No 3.9
Novuna Business Finance Asset finance (HP, leasing), stock finance, project finance Not published; bespoke by asset and case Bespoke pricing, quoted at offer Not published; typical of corporate asset lenders No No 4.1

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, and an overall editorial rating out of 5 built from sub-scores for transparency, eligibility breadth, speed and post-decline acceptance. The rating is our own editorial assessment, not an aggregate of customer reviews; see our methodology for exactly how it is scored.

We deliberately do not publish a per-lender "FCA regulated" badge. Most commercial finance to limited companies, including merchant cash advances, sits outside the FCA's consumer-credit perimeter, so an entity-level badge would imply product protections that do not exist. A lender can hold FCA authorisation for other activities, such as payment services, while its business finance products remain unregulated. See our guide to how the FCA perimeter works, and check any individual firm on the Financial Services Register.

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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