UK business lenders we list
Our editorial reviews of UK business lenders: mainstream fintechs, MCA specialists, challenger banks, asset finance and post-decline specialists. These reviews are research, not a lender panel. FundBiz doesn't send enquiries to lenders. If you send an enquiry, we pass it to a business finance broker.
To compare the published eligibility minimums (trading time, turnover, CCJ rules, sector exclusions) side by side, see the lender criteria matrix.
365 Business Finance
Merchant cash advance (revenue-based finance) · £10k to £500k
Direct MCA lender suited to £25k+ card-flow advances where the borrower wants a no-broker-fee structure.
4Syte
Invoice finance and asset-based lending · £25k to £5m
Chelmsford-based independent specialist running single-invoice discounting alongside whole-turnover and asset-based facilities.
Acorn Commercial Finance
Asset-backed and commercial finance specialist · £10k to £2m
Long-trading independent (since 1987) but operates almost entirely through broker introductions; direct UK SMB borrower discovery is limited.
Aldermore
Asset finance, invoice finance, commercial mortgages · Not published for asset or invoice finance; commercial real estate loans of £3m to £100m (its own figures)
Challenger bank suited to asset finance, invoice finance and commercial mortgage tickets between £25k and £5m where the borrower has time for proper underwriting and wants a real bank on the other side.
Allica Bank
SME term loan, asset finance + commercial mortgage · £25k to £150k (business loans); up to £15m (commercial mortgages)
Challenger bank for established businesses: business loans of £25,001 to £150,000, asset finance of £25k to £2.5m and commercial mortgages of £150k to £15m (Allica's own ranges).
Arbuthnot Latham
Private bank commercial lending · £1m to £25m
London-headquartered private bank with a serious commercial-lending arm covering owner-managed businesses, professional practices and real estate.
Argyll Property Partners
Property-backed business and development finance · £500k to £15m
London-based principal lender into property-backed transactions for SMEs and developers, including bridging, refurbishment and small-scale development.
Assetz Capital
SME term loan + commercial property + bridging · £250k to £10m
Manchester-based specialist that started as a P2P platform and pivoted to institutional funding in 2022. Now an asset-backed SME and commercial property lender for established Ltd companies.
Avamore Capital
Bridging and development finance · £500k to £25m
London specialist covering bridging, refurbishment and ground-up development across England and Wales.
Barclays
Business loans, overdrafts, asset finance, commercial mortgages · £1k to £25k unsecured; larger amounts secured
Major UK high-street bank with a full SME lending book covering unsecured term loans, overdrafts, asset finance and commercial mortgages.
Bibby Financial Services
Invoice finance, factoring, asset-based lending · £25k to £25m+ facility
Family-owned invoice finance provider that describes itself as one of the UK's largest independent funding providers, part of the Bibby Line Group (Liverpool, founded 1807).
Bizcap
Specialist post-decline / fast cash · £5k to £1m
Post-decline specialist that can suit a business already declined by Funding Circle, iwoca or the high street that still needs cash quickly.
Blazehill Capital
Asset-backed term loans and special situations · £5m to £75m
Mayfair-based asset-backed lender focused on UK and European mid-market situations that mainstream banks have stepped away from.
Breal Zeta CF
Asset-based lending and commercial finance · £20m to £200m positions (its own figures)
Mid-market ABL specialist running structured receivables, inventory and plant-and-machinery facilities for larger trading businesses, with capacity to underwrite and hold positions from £20m to £200m by its own account.
Capify
Short-term business loans and supplier invoice payment · £10k to £3m
Short-term business lender that assesses cash flow and trading history rather than relying only on credit scores, which can help post-decline cases where credit history blocks a Funding Circle or iwoca term loan.
Capital on Tap
Business credit card with revolving credit line · Up to £250k credit limit
UK business credit card with a revolving credit line up to £250k, run by New Wave Capital Limited (incorporated 2012). FCA-authorised for consumer credit and, separately, as an e-money issuer.
Caple
Unsecured SME growth loan · £500k to £5m
Specialist unsecured growth-lender to established mid-market SMEs across the UK and Europe, capital provided by partner banks rather than retail funders.
Cashplus Bank
Business overdraft, credit card + Creditbuilder · Small-ticket credit; limits set per application
PRA-authorised UK bank since 2021. Cashplus rebranded as Zempler Bank in 2024 (the company is Zempler Bank Limited, and cashplus.com now redirects to zemplerbank.com).
Close Brothers
Asset finance, invoice finance, commercial loans · £25k to £25m+
Heritage merchant banking group trading since 1878, FTSE-listed via Close Brothers Group plc. The commercial division covers asset finance, invoice finance and broader commercial lending.
Clydesdale Bank
Business banking and SME lending · £25k to £25m+
Clydesdale Bank PLC (CN SC001111) remains the legal entity but the customer-facing brand is Virgin Money following the Virgin Money UK merger and rebrand.
Credit4
SME term loan + revolving credit · £25k to £250k
London-based direct lender focused on the £25k to £250k SME ticket band. Combined fixed-term loan plus revolving facility under one credit limit, which is unusual in the UK SME market.
Crowd2Fund
P2P SME term loan · £10k to £1m
One of the few remaining UK retail P2P platforms after the 2019-2022 sector contraction. Funded by individual investors, which means borrowers go through a campaign-style listing process.
Cubefunder
Unsecured fixed-fee term loan · £5k to £100k
Windsor-based direct lender trading as Cubefunder. Fixed-fee structure means total cost is set at outset rather than accruing as APR.
eCapital
Invoice finance + asset-based lending · £50k to £10m
UK invoice finance and asset-based lender. Includes the former Optimum Finance (Bristol), which North American specialist eCapital acquired in autumn 2024.
FGI Finance
International factoring and trade finance · £500k to £20m
UK arm of FGI Worldwide, a New York-headquartered international factoring and trade finance group.
Fiduciam
Bridging and short-term SME loans · £250k to £25m
London specialist offering bridging and short-term SME loans across the UK and several European jurisdictions.
Fleximize
Term loan with flex features (unsecured and secured options) · £10k to £1m
Direct lender with flex features (top-ups, payment holidays, reduced repayments during slow months). Underwriting more accommodating than mainstream term lenders for sub-2-year trading.
Funding Alternative
Short-term unsecured cash flow advance · £25k upwards
Verify before signing: Trustpilot footprint is thin (only nine reviews) and the brand has multiple Companies House entities at the same address.
Funding Circle
Term loan · £10k to £750k
Mainstream lender for term loans between £10k and £750k. It suits established Ltd companies with a trading record and clean credit that want a fixed-repayment term loan rather than a flexi or MCA.
GapCap
Invoice and asset finance · £25k to £1m
London-based independent running selective invoice finance, single-invoice discounting and short-term receivables purchase for UK SMEs.
Glenhawk
Bridging finance · £300k to £10m
Specialist bridging desk founded by Guy Harrington, covering residential, refurb and commercial bridging across England and Wales. Strong technology layer and in-house underwriting keep turnaround quick for clean cases.
Got Capital
Revenue-based business funding advance · £2k to £300k
Hertfordshire-based revenue-based finance provider trading since 2014. Markets advances rather than loans (a forward purchase of revenue). Accepts sole traders, Ltd companies, LLPs and partnerships.
Growth Lending
Growth term loan + asset-based + recovery finance · £1m to £25m
Rebrand of BOOST&Co (founded 2014, rebranded under Growth Lending in 2022) covering growth term loans, asset-based lending and recovery finance for scale-up and mid-market SMEs.
Hampshire Trust Bank
Asset finance, commercial mortgages, bridging, development finance · Not published
PRA-authorised UK specialist bank covering asset finance, commercial mortgages, bridging and specialist development finance. Established 1977 (relaunched as HTB 2014). Broker-distributed and relationship-led.
Haydock Finance
Asset finance (hire purchase and lease) · Not published
Lancashire-based independent asset finance specialist trading since 1980. Hire purchase, finance lease and refinance across vehicles, plant, manufacturing and yellow goods.
Hodge Bank
Commercial mortgage + asset finance + bridging · £250k to £10m
Cardiff-based specialist bank established in 1962, owned by the Carlyle Trust. Strong on commercial mortgages, semi-commercial property and SME asset finance.
Hope Capital
Bridging finance · £50k to £10m
Liverpool-based principal lender writing residential, semi-commercial and commercial bridging across England, Wales and Scotland.
HSBC UK
Business loans, working capital, asset finance, international trade finance · £25k to several million
UK ring-fenced bank within the HSBC group. Full SME and corporate lending book with a clear bias toward larger SMEs (often £500k+ turnover) and international trade.
Hydr
Invoice finance (selective) · £1k to £150k per invoice
Wrexham-based fintech running fully-digital selective invoice finance. Borrowers upload an invoice, receive an advance the same day, and pay a flat fee on settlement. No long-term contract, no whole-turnover commitment.
IGF Invoice Finance
Invoice finance and ABL · £100k to £15m
London-based independent (often referenced as IGF) running confidential invoice discounting, factoring and asset-based lending for UK SMEs and lower-mid-market.
Investec
Corporate banking + asset finance + commercial property · £500k to £50m+
UK private and corporate bank serving the upper-mid-market and HNW segments. Business lending sits inside a relationship-banker model rather than a self-serve product.
Iron Bridge Finance
Property-secured short-term finance · £100k to £5m
North London principal lender on residential and commercial property security. Smaller book than headline bridgers, which means each case gets direct underwriter attention.
iwoca
Flexi-loan / line of credit · £1k to £1m
Mainstream lender for flexi working capital.
JPM Capital
Specialist unsecured business loans, including post-decline cases · £5k to £50k
Unsecured business lender that says it helps businesses through difficult periods, including bad-credit cases where mainstream lenders decline.
Kriya
Invoice finance + B2B BNPL + business loan · £10k to £1m
Originally MarketInvoice (2010), rebranded MarketFinance, then rebranded again as Kriya in 2022.
Kuflink
Bridging finance and P2P property lending · £75k to £3m
Kent-based bridging lender that funds part of its book through a retail P2P platform. Combines specialist bridging underwriting with a more accessible application route for smaller residential and refurb cases.
LendingCrowd
Term loan · £75k to £500k
Edinburgh-based UK SME term lender that launched in 2014 as a P2P platform and now funds via a mix of retail and institutional capital. Tickets £75k to £500k over 6 to 60 months.
LendInvest
Bridging + buy-to-let + development finance · £75k to £15m
AIM-listed UK property-finance specialist covering bridging, buy-to-let mortgages and development finance. Tech-led broker portal makes the process faster than most specialist banks at the same ticket size.
Liberis
Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs · £1k to £1m
Embedded-finance specialist that suits businesses with an existing relationship with a partner platform (for example Worldpay, Barclaycard, Klarna, eBay, Dojo or Deliveroo).
Liberty Leasing
Asset finance (hire purchase and lease) · £3k to £500k
Hampshire-based independent asset finance lender running hire purchase, lease and refinance across vehicles, plant, soft assets and IT. Broker-distributed with direct relationships into UK SMEs.
Lloyds Bank
Business loans, overdrafts, commercial mortgages, asset finance · £1k to £500k+ unsecured; larger via secured facilities
Major UK high-street bank under Lloyds Banking Group.
Lombard
Asset finance · No published minimum; institutional-scale mid-market and larger tickets
NatWest Group's asset finance arm, describing itself as the UK's largest asset finance provider by volume, with a brand that traces back to the North Central Wagon Company in 1861.
Maslow Capital
Development finance and short-term (bridging) finance · £300k to £250m short-term; £20m to £750m development
London-based development finance specialist with a strong track record on residential, PBSA, BTR and mixed-use schemes across the UK and Europe.
MaxCap
Unsecured term loan · £3k to £100k
London-based unsecured lender trading since 2020 under Maximise Capital Ltd. Requires 12 months trading and £15k monthly turnover. Personal guarantee required despite the unsecured framing.
MCL Finance
Unsecured term loan and merchant cash advance · £5k to £100k
Bristol and London-based alternative lender, formerly trading as mycashline, rebranded to MCL Finance. Operating since 2017 under Merchant Finance London Limited.
Mint Property Finance
Bridging and refurbishment finance · £100k to £5m
Altrincham-based principal lender (formerly Mint Bridging) focused on residential bridging, refurb and small developer exit across England and Wales. Broker-distributed.
Momenta Finance
SME term loan + merchant cash advance · £5k to £500k
Direct lender that rebranded from Merchant Money to Momenta Finance in 2024 to reflect a broader product set beyond cash advance. Term loan and MCA up to £500k for established UK SMEs.
MT Finance
Bridging and BTL mortgages · £50k to £10m
North London principal lender covering bridging, refurb and a specialist BTL mortgage book. One of the higher-volume bridging desks in the UK with a long track record and a strong broker reputation.
multifi
Revolving credit (Flexi Credit) · £10k to £350k
A newer UK fintech (launched 2023, reportedly backed by a £15m funding facility from Fintex Capital, per Fintex Capital's own announcement) offering an unsecured revolving credit line of £10k to £350k for established limited companies and LLPs.
NatWest
Business loans, overdrafts, asset finance, commercial mortgages · £1k to £500k+ unsecured; larger via secured facilities
Major UK high-street bank within NatWest Group plc. Full SME lending book covering unsecured term loans, overdrafts, asset finance and commercial mortgages for existing NatWest business banking customers.
Novuna Business Finance
Asset finance (HP, leasing), stock finance, project finance · Not published; bespoke by asset and case
The business finance division of Mitsubishi HC Capital UK PLC, formerly Hitachi Capital UK (rebranded Novuna in February 2022), with over £5bn funded to UK companies (company-reported).
Nucleus Commercial Finance
Unsecured term loans, plus higher-risk and credit-builder options · £3k to £500k across its loan products
London-based alternative lender.
OakNorth
SME term loan + bridging · £1m to tens of millions
Top-end lender suited to £1m+ tickets (OakNorth lends from £1 million) where the business has the financials to support a bespoke deal.
Octane Capital
Bridging, refurbishment and BTL · £150k to £30m
Mayfair specialist covering bridging, refurb and specialist BTL across England, Wales and Scotland.
Octopus Real Estate
Property finance: bridging, development, healthcare · £500k to £200m+
The property lending arm of Octopus Group, covering residential bridging, development finance, BTL and a specialist healthcare real estate book.
Ortus Secured Finance
Bridging and short-term commercial property finance · £150k to £5m
Wigmore Street bridging desk covering residential, semi-commercial and commercial property across England, Wales, Scotland and Northern Ireland.
Outfund
Revenue-based finance for online and subscription businesses · £10k to £10m
Revenue-based finance lender that suits online and subscription Ltd companies whose forward revenue is the strongest part of the file.
Paragon Bank
Asset finance + commercial property + development finance · £25k to £25m
Solihull-based specialist bank with strong asset finance, commercial property and development finance lines. Listed parent (Paragon Banking Group plc) gives funding stability and filing transparency.
PayPal Working Capital
Merchant cash advance (revenue-based) · Up to £160k (£225k for repeat borrowers)
A revenue-based advance against your PayPal sales history, available to businesses with a PayPal Business account open 3+ months and, per PayPal's own published eligibility criteria, annual sales from £9k.
PNC Business Credit
Asset-based lending (cross-border) · £10m to £150m
PNC Business Credit is the asset-based lending arm of US bank PNC Financial Services Group.
Propel
Asset finance (hire purchase and lease) · From £500 to facilities over £1m (its own figures)
Newport-based independent asset finance specialist that says it has provided over £2bn of finance to more than 70,000 businesses, with a heavy push into vendor finance and digital onboarding.
Puma Property Finance
Development and investment property finance · £3m to £75m
St James's-based property lending arm of Puma Capital Group, covering residential development, PBSA, BTR, hotels and care across the UK. Aimed firmly at mid-to-large schemes with experienced sponsors.
Redwood Bank
SME commercial mortgage and term loan · £250k to £10m (£6.5m maximum per single asset)
Letchworth-based challenger bank focused on commercial mortgages, owner-occupier and BTL loans for SMEs and professional landlords. PRA-regulated with FSCS deposit cover on linked savings.
Reparo
Short-term business loan and bridging · £10k to £1m
Manchester-based principal lender running short-term business loans and small-ticket bridging across England and Wales.
Roma Finance
Bridging and BTL mortgages · £75k to £3m
Manchester-based principal lender covering residential bridging, refurb and a specialist BTL mortgage line, plus commercial mortgages. Its products include RomaFLOW, a streamlined bridging process for cleaner cases.
Royal Bank of Scotland
Business loans, overdrafts, asset finance, commercial mortgages · £1k to £500k+ unsecured; larger via secured facilities
Scotland-headquartered high-street bank within NatWest Group plc. Group lending criteria mirror NatWest, with regional routing for Scotland-based applicants and local-manager decision authority on relationship-led cases.
Santander UK
Business loans, overdrafts, commercial mortgages, international finance · £5k to £500k+ unsecured; higher via secured facilities
UK ring-fenced bank under the Santander Group. SME lending book covering unsecured term loans, overdrafts, commercial mortgages and international finance, with specific routing for Spanish-trade and EU-import applicants.
Secure Trust Bank
Commercial finance + asset finance + invoice finance · £50k to £25m
Solihull-based specialist UK bank, listed on the LSE main market. SME lending sits across commercial finance, asset finance and invoice finance.
Selina Finance
Property-secured business and personal credit lines · £10k to £500k
London fintech offering property-secured credit lines and second-charge loans.
Shard Credit Partners
Private credit / direct lending · £5m to £30m
London-based private credit manager running direct lending into UK and European lower-mid-market companies. Unitranche, second-lien and growth-debt structures into private equity-backed and founder-owned businesses.
Shawbrook Bank
Term loans, asset finance, commercial property · Not published as one range; specialist business lending facilities from £1m (its own figures)
UK specialist bank serving £100k-£25m SME and commercial property tickets. Strong on bespoke deals where mainstream high-street rules don't fit. Broker-distributed; not a self-serve experience.
Sigma Lending
Unsecured term loan · £5k to £150k
London-based unsecured business lender incorporated April 2023. Eligibility threshold sits at one and a half years trading and £150k turnover.
Skipton Business Finance
Invoice finance (factoring + invoice discounting) · £25k to £5m
Specialist invoice finance arm of Skipton Building Society group, based in Bradford. Pure-play factoring and invoice discounting for UK SMEs. Mutual-owned parent gives a different funding profile to listed-bank rivals.
SME Capital
SMB term loan · £250k to £5m
SME Capital is positioned as a UK lower-mid-market lender focused on £250k+ growth and acquisition loans.
Sonovate
Embedded finance and contractor pay funding for recruitment and consultancy agencies · Not published
Sector specialist for UK recruitment agencies and consultancies.
Square Cash Advance
Merchant cash advance (revenue-based) · Not published; offer size is data-driven per merchant
A revenue-based advance offered directly to Square card-payment merchants, sized against actual Square sales and payment frequency rather than a credit application.
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)
PRA-authorised UK challenger bank.
Start Up Loans Company
Government-backed unsecured personal loan to fund a UK start-up · £500 to £25k per founder (max £100k per business)
Government-backed lender that suits pre-revenue founders, sub-12-month traders and pre-incorporation applicants who don't fit commercial lenders. Run by British Business Bank through delivery partners.
Swiftfund
Merchant cash advance · £10k to £500k
Cheshire-based MCA specialist, the trading name of Bizlend Limited. Requires £20k monthly card-machine turnover. Funds are typically released inside 48 hours.
Swishfund
Unsecured term loan · £10k to £400k
Peterborough-based UK SMB term lender, subsidiary of a Dutch parent group. £10k to £400k over up to 24 months for UK Ltd companies with one filed set of accounts and £50k+ turnover.
TFG Capital
Short-term business loan · £25k to £500k
Doncaster-headquartered principal lender running short-term commercial loans for established UK Ltd companies, with sister entities for property-backed and follow-on deals. Direct decisioning, broker-distributed.
ThinCats
Mid-market SME term loans (now part of Shawbrook Group) · £1m to £30m
Mid-market SME term lender focused on the £1m to £30m ticket band (its own figures). Shawbrook Group completed its acquisition of ThinCats Group Limited on 30 September 2025 (Shawbrook RNS).
Tide loans (Funding Options)
Broker / aggregator (not a direct lender) · £1k to £20m (Tide's published range)
Tide loans is a broker product, not a direct lender.
Time Finance
Asset finance, invoice finance, vehicle finance · Not published overall; secured loans of £50k to £500k (its own figures)
Mid-ticket alternative finance specialist that suits businesses wanting asset finance, invoice finance and vehicle finance combined under one lender.
Together
Bridging, BTL, commercial mortgages and second charge · £25k to £30m
Cheadle-based specialist lender with one of the largest non-bank books in UK property finance. Covers residential and commercial bridging, BTL, owner-occupier commercial mortgages, second charge and development.
TradeRiver
Trade finance (revolving purchase facility) · £100k to £3m
UK and international trade finance platform running revolving purchase facilities that pay suppliers directly on the buyer's behalf.
Triple Point
SME private credit and leasing · £500k to £20m
London-based investment manager running SME direct-lending, leasing and infrastructure-backed credit through a stack of fund vehicles.
Ultimate Finance
Invoice finance, asset finance, bridging and working capital · £10k (asset finance) to £10m (invoice and structured finance)
Bristol-headquartered SMB specialist running invoice finance, asset finance, working-capital loans and bridging under one roof. Owned by Tavistock Group since July 2015; balance sheet remains principal-funded.
United Trust Bank
Bridging, development finance, asset finance, structured property · £100k to £25m+
PRA-authorised UK specialist bank with deep heritage in bridging, development finance, asset finance and structured property lending. Original entity dates to 1955; rebranded as United Trust Bank in 2003.
Wayflyer
Revenue-based finance for ecommerce · £10k to £20m
Revenue-based finance lender that suits ecommerce Ltd companies whose trading history sits in store and ad-platform data rather than filed accounts.
West One Loans
Bridging finance · £75k to £30m
One of the largest privately funded UK bridging lenders, trading since 2005, covering residential, commercial and semi-commercial bridging plus development finance up to around 75% LTV.
White Oak UK
SMB term loans, asset finance, professional finance · £5k to £500k
UK SMB lender whose regulated companies still carry the LDF name (White Oak UK is a trading style of LDF Operations Limited, LDF Ops Limited and LDF Finance companies).
YouLend
Embedded MCA / revenue-based finance · Up to £2m
Embedded-finance specialist that suits businesses selling through Amazon, eBay, Just Eat, Shopify, Etsy or a similar platform that partners with YouLend.
Last updated: . Lenders no longer trading →