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 structured dataset of the terms of the lenders FundBiz lists: 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, plus an overall editorial rating out of 5. The terms are compiled from published lender criteria, lender documentation and Companies House records, not from advertising; the rating is FundBiz's own editorial assessment, explained in the methodology below. This page tracks 94 lenders, 84 of which carry a Companies House registration number on file.
Last updated: · Compiled by FundBiz · See full lender profiles · Rolled up by product type · Data API for developers and AI agents · Lender criteria matrix: trading time, turnover, CCJs
| Lender | Product | Ticket range | Typical rate | Decision time | Soft search | Ltd only | Rating | Source | Checked |
|---|---|---|---|---|---|---|---|---|---|
| 365 Business Finance | Merchant cash advance (revenue-based finance) | £10k to £500k (its own figure) | One fixed cost, repaid as a percentage of card sales (quoted per offer) | Funds in as little as 24 hours (its own figure) | Yes | No | 4.1 | 365finance.co.uk | 12 Jun 2026 |
| Aldermore | Asset finance, invoice finance, commercial mortgages | Commercial real estate loans of £3m to £100m (its own figures); not published for asset or invoice finance | Quoted per deal (not published) | Not published | No | Yes | 4.1 | aldermore.co.uk/business-finance | 12 Jun 2026 |
| Allica Bank | SME term loan, asset finance + commercial mortgage | £25,001 to £150,000 (business loans); £25k to £2.5m (asset finance); £150k to £15m (commercial mortgages) (its own figures) | Business loans 9.90% to 13.75% interest; other products quoted per deal | Decision by the next working day (its own aim) | No | Yes | 4.4 | allica.bank | 12 Jun 2026 |
| Bizcap | Specialist post-decline / fast cash | £5k to £1m (its own figure) | Factor rate set per application, plus an establishment fee | Decision in as little as 3 hours (its own figure) | Yes | No | 3.6 | bizcap.co.uk | 12 Jun 2026 |
| Capify | Short-term business loans and supplier invoice payment | £10k to £3m | Factor rate set by risk (not published) | Decision in minutes; same-day funding on unsecured loans, 24 to 48 hours on secured (its own figures) | Yes | No | 4.0 | capify.co.uk | 12 Jun 2026 |
| Funding Circle | Term loan | £10k to £750k (its own figure) | From 6.9% per year | Decision in as little as 5 minutes, funds typically within 48 hours (its own figures) | Yes | No | 4.3 | fundingcircle.com/uk | 12 Jun 2026 |
| iwoca | Flexi-loan / line of credit | £1k to £1m (its own figure) | From 1.5% per 30 days | Many customers get an instant decision; larger loans within 24 hours (its own figures) | Yes | No | 4.4 | iwoca.co.uk | 12 Jun 2026 |
| JPM Capital | Specialist unsecured business loans, including post-decline cases | £5k to £50k (its own figure) | Quoted per application (not published) | Typically 24 to 48 hours (its own figure) | Yes | No | 3.7 | jpmcapital.co.uk | 12 Jun 2026 |
| Liberis | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMEs | £1k to £1m (its own figure) | One fixed fee, repaid as a percentage of sales (quoted per offer) | Funds in as little as 24 hours (its own figure) | No | No | 4.0 | liberis.com | 12 Jun 2026 |
| OakNorth | SME term loan + bridging | £1m to tens of millions (its own figure) | Bespoke | Funds can be with you in a matter of weeks (its own words) | No | Yes | 4.2 | oaknorth.co.uk | 12 Jun 2026 |
| 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% a year interest, no arrangement or early repayment fees | Application takes as little as 2 to 3 weeks, often 2 to 3 months or longer (its own figure) | No | No | 4.0 | startuploans.co.uk | 14 Jul 2026 |
| Time Finance | Asset finance, invoice finance, vehicle finance | Not published overall; secured loans of £50k to £500k (its own figures) | Bespoke | Not published | Yes | No | 4.0 | timefinance.com | 12 Jun 2026 |
| YouLend | Embedded MCA / revenue-based finance | Up to £2m (its own figure) | Fixed fee, repaid as a percentage of sales (quoted per offer) | Approval in as little as 24 hours (its own figure) | Yes | No | 4.0 | youlend.com | 12 Jun 2026 |
| Wayflyer | Fixed-fee cash advance or term loan for growing businesses | £10k to £20m (its own figure) | One fixed fee, agreed before you accept (its own example: £7,200 on £100,000) | Approval in hours; a decision in as little as 24 hours (its own figures) | Yes | Yes | 4.2 | wayflyer.com/gb | 19 Oct 2026 |
| Outfund | Revenue-based finance for online and subscription businesses | £10k to £500k (its own figure) | Flat fee from around 5%, quoted at offer | Funding offer within 3 days (its own figure) | Yes | Yes | 4.1 | out.fund | 27 Jun 2026 |
| Tide loans (Funding Options) | Intermediary / aggregator (not a direct lender) | £1k to £20m across its lender partners (its own figure) | Varies by panel lender | Funds in around 24 hours for some products (its own figure) | Yes | No | 3.9 | tide.co/business-loans | 8 May 2026 |
| Fleximize | Term loan with flex features (unsecured and secured options) | £10k to £1m (its own figure) | 0.9% to 2.9% a month (Flexiloan) or 1.9% to 3.9% a month (Flexiloan Lite) (its own figures) | Decision in as little as 24 hours (its own figure) | Yes | No | 4.0 | fleximize.com | 26 Apr 2026 |
| Shawbrook Bank | Business lending (asset based, leverage, healthcare), commercial mortgages, bridging | Business lending from £1m (healthcare £1m to £35m; corporate leverage £3m to £25m; asset based lending £5m to £50m); commercial mortgages £150k to £35m (its own figures) | Bridging from 0.69% a month and commercial mortgages from 5.29% as published, other lending quoted per deal | Not published | No | No | 4.0 | shawbrook.co.uk/business/business-lending | 9 Oct 2026 |
| Sigma Lending | Unsecured term loan | £5k to £150k (its own figure) | Quoted at offer | Funds in as little as 24 hours after a successful application (its own figure) | Yes | Yes | 3.6 | sigma-lending.com | 8 May 2026 |
| Swiftfund | Short-term unsecured business advance | £10k to £1m (its own figure) | Not published (quoted at offer) | Aims to approve within 24 hours (its own figure) | No | No | 3.8 | swiftfund.co.uk | 13 Oct 2026 |
| Cubefunder | Unsecured fixed-fee term loan | £5k to £100k (its own figure) | Fixed total fee, quoted at offer | Not published; funds as fast as 2 working days (its own figure) | No | No | 4.0 | cubefunder.com | 8 May 2026 |
| Got Capital | Revenue-based business funding advance | £2k to £300k (its FAQ; its headline says from £1k) | Factor fee, quoted at offer | Decision and funding within 24 hours, says Got Capital (funds 1 to 24 hours after approval) | Yes | No | 4.2 | gotcapital.co.uk | 8 May 2026 |
| MCL Finance | Unsecured term loan and merchant cash advance | £5k to £250k (its own figure) | Factor rate or fixed fee, quoted at offer | Funds usually the same day for business loans (its own figure) | Yes | Yes | 4.2 | mclfinance.com | 8 May 2026 |
| MaxCap | Unsecured term loan | Not published | Quoted at offer | Not published | Yes | Yes | 3.9 | maxcap.co.uk | 8 May 2026 |
| Funding Alternative | Short-term unsecured cash flow advance | £15k to £250k (its own figure) | Fixed fee, paid back over 3 to 6 months | Decision within 4 hours (its own figure) | Yes | No | 3.6 | fundingalternative.co.uk | 10 May 2026 |
| LendingCrowd | Term loan | £75k to £500k (its own figure) | Fixed for the term, quoted at offer | Funds the same working day once approved and all information is in (its own figure) | Yes | Yes | 4.0 | lendingcrowd.com | 8 May 2026 |
| Swishfund | Unsecured term loan | £10k to £400k (its own figure) | 1.1% to 3% per month | Funds within 24 hours under £75k, up to 3 working days up to £400k (its own figure) | Yes | Yes | 3.9 | swishfund.co.uk | 8 May 2026 |
| Bibby Financial Services | Invoice finance, factoring, asset-based lending | Not published for invoice finance; asset finance up to £5m (its own figure) | Service fee plus discount margin, quoted at offer | Funds within 24 hours of facility set-up; set-up in as little as 2 days (its own figure) | No | No | 4.1 | bibbyfinancialservices.com | 8 May 2026 |
| Close Brothers | Asset finance, invoice finance, commercial loans | Asset-based lending £1m to £65m; commercial mortgages £500k to £5m (its own figures); hire purchase and leasing ranges not published | Bespoke, quoted at offer | Not published | No | No | 4.2 | closebrothers.com/our-businesses/commercial | 8 May 2026 |
| Nucleus Commercial Finance | Unsecured term loans, plus higher-risk and credit-builder options | £3k to £500k across its loan products (its own figures) | Term loans from 1.99% per month (its published introducer factsheet) | Funding in 24 hours (its own figure) | Yes | No | 4.0 | nucleuscommercialfinance.com | 8 May 2026 |
| Capital on Tap | Business credit card with revolving credit line | Up to £250k credit limit (its own figure) | From 13.86% APR (variable); no interest on card spend if the balance is cleared in full | Decision in 2 minutes (Capital on Tap's own figure) | Yes | No | 4.3 | capitalontap.com/en | 8 May 2026 |
| Hampshire Trust Bank | Asset finance, commercial mortgages, bridging, development finance | Not published | Bespoke, quoted at offer | Not published (its bridging target is three weeks from application to completion) | No | Yes | 4.1 | htb.co.uk | 8 May 2026 |
| United Trust Bank | Bridging, development finance, asset finance, structured property | Bridging £100k to £15m; development finance £1m to £35m (its own figures) | Bespoke, quoted at offer | Indicative terms within 24 hours, formal offer within 48 hours of credit decision, development finance (its own figure) | No | Yes | 4.2 | utbank.co.uk | 8 May 2026 |
| Sonovate | Embedded finance and contractor pay funding for recruitment and consultancy agencies | Not published | Not published, quoted at offer | Not published | No | Yes | 4.3 | sonovate.com | 8 May 2026 |
| White Oak UK | SME term loans, asset finance, professional finance | £2k to £2m across its business loans; asset finance £5k to £1.5m (its own figures) | Bespoke, quoted at offer | Most decisions within 24 hours (White Oak UK's own figure) | Yes | No | 4.0 | whiteoakuk.com | 8 May 2026 |
| ThinCats | Mid-market SME term loans | £1m to £30m (its own figure) | Bespoke, quoted at offer | Not published | No | Yes | 4.0 | thincats.com | 8 May 2026 |
| Barclays | Business loans, overdrafts, asset finance, commercial mortgages | £1k to £25k unsecured; loans up to £25m in total (its own figures) | 8.5% to 14.9% APR representative on unsecured loans up to £25k, depending on amount | Immediate decision possible for existing customers; funds in as little as 48 hours (its own figure) | No | No | 3.8 | barclays.co.uk/business-banking/borrow/loans | 8 May 2026 |
| Lloyds Bank | Business loans, overdrafts, commercial mortgages, asset finance | £1k to £50k (small business loans); larger loans from £50,001 (its own figures) | From around 7.4% to 12% APR for unsecured term loans | Instant decision on loans up to £50,000 (its own figure) | No | No | 3.8 | lloydsbank.com/business/business-loans.html | 8 May 2026 |
| NatWest | Business loans, overdrafts, asset finance, commercial mortgages | £1k to £100k (Small Business Loan); £25,001 to £10m on fixed rate loans (its own figures) | From around 7.5% to 12% APR for unsecured term loans | Funds within 24 hours if approved, on its Small Business Loan (its own figure) | No | No | 3.8 | natwest.com/business/loans-and-finance/small-business-loan.html | 8 May 2026 |
| HSBC UK | Business loans, working capital, asset finance, international trade finance | £1k to £25k (Small Business Loan); from £25,001 up to £25m on variable rate loans (its own figures) | From around 7% to 12% APR for unsecured term loans | Not published | No | No | 3.8 | business.hsbc.uk/en-gb/products/small-business-loan | 8 May 2026 |
| Santander UK | Business loans, overdrafts, commercial mortgages, international finance | £1k to £50k (its own figure) | From around 7.5% to 12% APR for unsecured term loans | Funds up to 3 working days after signed loan documents (its own figure) | No | No | 3.7 | santander.co.uk/business/borrowing-and-finance/loans | 8 May 2026 |
| Royal Bank of Scotland | Business loans, overdrafts, asset finance, commercial mortgages | £1k to £100k (Small Business Loan); £25,001 to £10m on fixed rate loans (its own figures) | From around 7.5% to 12% APR for unsecured term loans | Funds within 24 hours if approved, on its Small Business Loan (its own figure) | No | No | 3.7 | rbs.co.uk/business/loans-and-finance/small-business-loan.html | 8 May 2026 |
| Assetz Capital | SME term loan + commercial property + bridging | Preferred loan sizes £250k to £10m; up to £50m can be arranged (its own figures) | Bespoke | Not published | No | Yes | 4.0 | assetzcapital.co.uk | 8 May 2026 |
| Caple | Unsecured SME growth loan | £500k to £5m (its own figure) | Bespoke | Funds within four weeks of accepting the offer (its own figure) | No | Yes | 3.9 | caple.eu | 8 May 2026 |
| Credit4 | SME term loan + revolving credit | £15k to £250k (its own figures) | From around 9% APR | Not published | Yes | Yes | 3.9 | credit4.co.uk | 8 May 2026 |
| Crowd2Fund | P2P SME term loan | Up to £1m (its own figure); no minimum published | 8% to 18% APR | Not published | No | No | 3.7 | crowd2fund.com | 8 May 2026 |
| Growth Lending | Growth term loan + asset-based + recovery finance | £2m to £10m term loans, for businesses with revenue over £3m (its own figures) | Bespoke | Not published | No | Yes | 4.1 | growthlending.com | 8 May 2026 |
| Hodge Bank | Commercial mortgage + asset finance + bridging | Development and investment finance £2m to £16m; short-term finance from £1m (its own figures) | From around 7% APR | Not published | No | Yes | 4.0 | hodgebank.co.uk | 8 May 2026 |
| Investec | Corporate banking + asset finance + commercial property | Not published | Bespoke | Not published | No | Yes | 4.2 | investec.com/en_gb/business/who-we-work-with/private-companies.html | 8 May 2026 |
| LendInvest | Bridging + buy-to-let + development finance | Bridging up to £30m (its own figure) | Quoted per case | Indicative terms in minutes through its intermediary portal (its own figure) | No | No | 4.2 | lendinvest.com | 8 May 2026 |
| Momenta Finance | SME term loan + merchant cash advance | Unsecured loans £50k to £500k; secured loans £50k to £1.5m; bridging £200k to £5m (its own figures) | From around 1% per month / factor rates on MCA | Not published | Yes | No | 4.0 | momentafinance.com | 8 May 2026 |
| Paragon Bank | Asset finance + commercial property + development finance | Not published | Bespoke | Not published | No | Yes | 4.1 | paragonbank.co.uk/business/asset-finance | 8 May 2026 |
| Secure Trust Bank | Commercial finance + asset finance + invoice finance | Bridging £2m to £20m; development finance £2m to £45m; asset based lending £5m to £50m (its own figures) | Bespoke | Not published | No | Yes | 4.0 | securetrustbank.com/business-finance | 8 May 2026 |
| Skipton Business Finance | Invoice finance (factoring + invoice discounting) | £25k to £5m for invoice finance (its own figure) | From around 1.5% above base on advanced funds | Not published | No | No | 4.1 | skiptonbusinessfinance.co.uk | 8 May 2026 |
| Avamore Capital | Bridging and development finance | £250k to £25m (its own figures) | From 0.65% per month | Approval within 24 hours (its own figure) | No | No | 4.0 | avamorecapital.com | 8 May 2026 |
| Blazehill Capital | Secured loan facilities from a private credit fund | Up to £150m (its own figure) | Bespoke | Not published | No | Yes | 4.0 | blazehill.com | 8 May 2026 |
| Fiduciam | Bridging and short-term SME loans | £1m to £35m (its own figures) | From 0.69% per month | Not published | No | No | 4.0 | fiduciam.co.uk | 8 May 2026 |
| Glenhawk | Bridging finance | £250k to £10m (its own figures) | From 0.69% per month | Indicative terms within hours; completion in as little as 5 to 8 working days (its own figure) | No | No | 4.1 | glenhawk.com | 8 May 2026 |
| Hope Capital | Bridging finance | £50k to £5m (its own figure) | From 0.69% per month | Not published | No | No | 4.0 | hopecapital.co.uk | 8 May 2026 |
| Kuflink | Bridging finance and P2P property lending | Up to £1m for bridging (its own figure) | From 0.55% per month | Decision in principle within 2 working hours; funds in as little as 5 days (its own figure) | No | No | 4.2 | kuflink.com | 8 May 2026 |
| Maslow Capital | Development finance and short-term (bridging) finance | £300k to £250m short-term; £20m to £750m development (its own figures) | Bespoke | Not published | No | Yes | 4.0 | maslowcapital.com | 8 May 2026 |
| Mint Property Finance | Bridging and refurbishment finance | £75k to £3m, commercial loans up to £1m (its own figures) | From 0.69% per month | Not published | No | No | 4.1 | mintpropertyfinance.co.uk | 8 May 2026 |
| MT Finance | Bridging and BTL mortgages | Bridging from £50k; commercial mortgages £100k to £2.5m; buy-to-let £25,001 to £3m (its own figures) | From 0.75% per month | Lending decisions often within hours of enquiry; funds in a matter of days (its own words) | No | No | 4.2 | mt-finance.com | 8 May 2026 |
| Octane Capital | Bridging, refurbishment and BTL | £175k to £15m and beyond (its own figures) | From 0.69% per month | Not published | No | No | 4.2 | octanecapital.co.uk | 8 May 2026 |
| Ortus Secured Finance | Bridging and short-term commercial property finance | £100k to £25m for bridging (its own figure) | From 0.79% per month | Agreement in principle within 24 hours (its own figure) | No | No | 4.0 | ortussecuredfinance.co.uk | 8 May 2026 |
| Puma Property Finance | Development and investment property finance | £10m to £100m (its own figure) | Bespoke | Not published | No | Yes | 4.0 | pumapropertyfinance.co.uk | 8 May 2026 |
| Roma Finance | Bridging and BTL mortgages | £75k to £3m (its own figure) | Quoted per case | 80% of bridging cases complete within 28 days (its own figure) | No | No | 4.1 | romafinance.co.uk | 8 May 2026 |
| Selina Finance | Property-secured business and personal credit lines | £5k to £500k (its own figure) | From 7.99% APR | Funds in as little as 48 hours (its own figure) | Yes | No | 4.1 | selinafinance.co.uk | 8 May 2026 |
| Together | Bridging, BTL, commercial mortgages and second charge | £26k to £5m (its own figures) | From 0.65% per month (bridging) / 7.5% APR (mortgages) | Typical completion around 6 to 12 weeks, sometimes a few days (its own figure) | No | No | 4.2 | togethermoney.com | 8 May 2026 |
| 4Syte | Invoice finance and asset-based lending | Invoice finance £50k to £3m; asset-based lending up to £4m (its own figures) | Quoted at offer | Invoice funds within 24 hours once a facility is in place (its own figure) | No | No | 3.8 | 4syte.co.uk | 8 May 2026 |
| Arbuthnot Latham | Private bank commercial lending | Commercial lending from £1m (its own figure); no maximum published | Quoted at offer | Not published | No | Yes | 4.1 | arbuthnotlatham.co.uk | 8 May 2026 |
| Breal Zeta CF | Asset-based lending and commercial finance | £20m to £200m positions (its own figures) | Quoted at offer | Not published | No | Yes | 3.8 | bzcf.co.uk | 8 May 2026 |
| Clydesdale Bank | Business banking and SME lending | £30k to £10m on Virgin Money base rate and fixed rate loans; SONIA loans above £2.5m (its own figures) | Quoted at offer | Not published | No | No | 3.5 | virginmoney.com | 8 May 2026 |
| FGI Finance | International factoring and trade finance | Not published | Quoted at offer | Not published | No | Yes | 3.8 | fgiww.com | 8 May 2026 |
| Haydock Finance | Asset finance (hire purchase and lease) | Not published | Quoted at offer | Not published | No | No | 4.2 | haydockfinance.co.uk | 8 May 2026 |
| Hydr | Invoice finance (selective) | Not published | Flat fee per invoice | Invoices paid in as little as 24 hours (its own figure) | Yes | Yes | 4.0 | hydr.co.uk | 8 May 2026 |
| IGF Invoice Finance | Invoice finance and ABL | £2m to £25m (its own figure) | Quoted at offer | Not published | No | Yes | 4.0 | igfgroup.com | 8 May 2026 |
| Liberty Finance | Asset finance (hire purchase and lease) | £10k to £1m (its own figure) | Quoted at offer | Average payout in 24 to 48 hours (its own figure) | No | No | 4.0 | libertyfinance.co.uk | 8 May 2026 |
| PNC Business Credit | Asset-based lending (cross-border) | £10m to £150m (its own figure) | Quoted at offer | Not published | No | Yes | 3.7 | pnc.com/en/corporate-and-institutional/financing/lending-options/business-credit/business-credit-uk.html | 8 May 2026 |
| Propel | Asset finance (hire purchase and lease) | From £500 to facilities over £1m (its own figures) | Quoted at offer | Not published | No | No | 4.3 | propelfinance.co.uk | 8 May 2026 |
| Redwood Bank | SME commercial mortgage and term loan | £250k to £10m (its own figures) | Commercial fixed rates from 6.34% (its own figure) | Not published | No | Yes | 4.1 | redwoodbank.co.uk/commercial-mortgages | 21 Oct 2026 |
| Reparo | Short-term business loan and bridging | £25k to £1m (its own figure) | 1% to 3% per month | Not published | No | No | 4.0 | reparofinance.co.uk | 8 May 2026 |
| SME Capital | Growth and acquisition term loans | £0.5m to £5m (its own figures) | From 7% a year (its own figure); quoted at offer | Not published | No | No | 3.8 | smecapital.com | 8 May 2026 |
| TFG Capital | Short-term business loan | £50k to £5m, mainly property bridging (its own figure) | 1.5% to 3% per month | Deals can complete within 72 hours (its own figure) | No | Yes | 3.9 | tfgcapital.co.uk | 8 May 2026 |
| TradeRiver | Trade finance (revolving purchase facility) | £100k to £5m+ (its own figure) | Quoted at offer | Not published | No | Yes | 3.9 | traderiver.com | 8 May 2026 |
| Triple Point | SME private credit and leasing | £1m to £30m typical for corporate leasing and lending (its own figure) | Quoted at offer | Not published | No | Yes | 4.0 | triplepoint.co.uk | 8 May 2026 |
| Ultimate Finance | Invoice finance, asset finance, bridging and working capital | £10k (asset finance, limited companies) to £10m (invoice and structured finance) (its own figures) | Quoted at offer | Asset finance decision within one working day; bridging decision in principle within 24 hours (its own figures) | No | No | 4.2 | ultimatefinance.co.uk | 8 May 2026 |
| Starling Bank | Business banking; loans shown in the Starling app are provided by iwoca | Set by iwoca (Starling doesn't offer its own business loans) | Set by iwoca | Decision typically within 24 hours, instant possible up to £100k (iwoca's figure, shown by Starling) | Yes | No | 4.3 | starlingbank.com/business/business-loans | 8 May 2026 |
| Cashplus Bank | Business overdraft, credit card + Creditbuilder | Small-ticket credit; limits set per application | Quoted at offer | Not published | No | No | 3.9 | zemplerbank.com | 8 May 2026 |
| 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 | novuna.co.uk/business-finance | 18 Jul 2026 |
| Lombard | Asset finance | No published minimum; institutional-scale mid-market and larger tickets | Not published; quoted case by case | Not published | No | No | 4.0 | lombard.co.uk | 1 Sept 2026 |
| West One Loans | Bridging finance | £75k to £30m (its own figure) | From 0.75% per month | Bridging typically completes in around two weeks from enquiry (its own figure) | No | No | 3.9 | westoneloans.co.uk | 1 Sept 2026 |
| PayPal Working Capital | Merchant cash advance (revenue-based) | £1k to £200k (up to £300k for repeat funding) (its own figure) | Single fixed fee, disclosed in your offer before you accept it; not an APR/interest structure | Decision usually straight away; funds within minutes of approval (its own figure) | No | No | 3.5 | paypal.com/uk/business/financial-services/working-capital | 1 Sept 2026 |
| multifi | Revolving credit (Flexi Credit) | £10k to £350k (its own figure) | Between 1.99% and 5.99% per month on drawn funds. Representative rate 2.99% a month: £50,000 over 12 months, total repayable £61,213, 43.5% APR representative (multifi's published figures, checked 19 October 2026) | Under 24 hours for 85% of applicants (multifi's own figure) | No | Yes | 3.7 | multifi.co.uk | 1 Sept 2026 |
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.
Source is the lender's own site; Checked is the date we last reviewed that lender's record, so check the lender's site for anything newer. The index lists lenders that serve limited companies or LLPs; Square Cash Advance is not in it because Square says it is only for sole traders and partnerships.
Methodology
Each lender we review is assessed 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's 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. Where no single figure is published, cells read as a range, "bespoke" or "quoted at offer" rather than an estimated point figure. Lender terms change, so confirm any figure on the lender's own site.
The date above is the last logged change to this page or to the lender data it shows. 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
- Lender name
- Product type
- Ticket range
- Typical rate (factor, per-month or APR equivalent)
- Decision time
- Soft search at quote
- Limited companies only
- Overall editorial rating (out of 5)
- Source (the lender's own site)
- Checked (date we last reviewed the lender record)
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Step 1 of 3 · Your business
How FundBiz uses your details: privacy notice. FundBiz isn't a lender. The finance partner or a lender may run their own checks.
Free to use · No obligation · No credit check by FundBiz · Limited companies, LLPs and partnerships of 4+
Optional: a few extra details
A few more details let our funding team look at extra funding options for you. Your enquiry has already gone. This step is optional, and you lose nothing by skipping it.
We already have your amount, turnover and company number, so we won't ask for those again.
Now: we pass your details to one of the finance partners we work with.
Next: they'll contact you to talk through your options, and may introduce you to lenders. Any lender makes its own decision.
No fee to you. FundBiz doesn't run a credit check. We may be paid by the finance partners we introduce you to. This could be a fixed fee or commission, depending on the partner and the finance arranged. It does not change what you pay. Privacy notice.
Thanks, we've got your funding details
You also asked about funding. Your enquiry has already been sent. Your funding request is handled by our funding team, who will reach out to you separately about your options, so look out for that as its own conversation.
Any lender makes its own decision after its own checks. No fee to you. FundBiz doesn't run a credit check. We may be paid by the finance partners we introduce you to. This could be a fixed fee or commission, depending on the partner and the finance arranged. It does not change what you pay. Privacy notice.
All done
Your enquiry has already been sent. The finance partner we work with will be in touch to talk through your options, and may introduce you to lenders.
Any lender makes its own decision after its own checks. No fee to you. We may be paid by the finance partners we introduce you to. This could be a fixed fee or commission, depending on the partner and the finance arranged. It does not change what you pay. Privacy notice.