Outfund
Revenue-based finance lender that suits online and subscription Ltd companies whose forward revenue is the strongest part of the file. Outfund pulls live data from Stripe, Shopify, Amazon and bank feeds to underwrite against future sales rather than the balance sheet, then takes a fixed share of revenue until the flat fee is repaid. Best fit for D2C, SaaS and subscription Ltds with at least six months of trading. We couldn't confirm the operating Companies House entity at the last verification pass, so we don't publish a company number for Outfund until it's verified.
Quick verdict
- Product: Revenue-based finance for online and subscription businesses.
- Ticket band: £10k to £10m.
- Pricing: Flat fee from around 5%, quoted at offer.
- Outfund says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Outfund, at a glance
- Legal entity
- Outfund (UK trading entity, company number unverified)
- Founded
- 2020
- Product
- Revenue-based finance for online and subscription businesses
- Ticket range
- £10k to £10m
- Decision time
- 24 to 48 hours
- Ltd-only
- Yes
Where Outfund is strong
- Underwriting tied to live revenue data, with decisions usually inside 48 hours.
- No equity dilution, as this is finance rather than a venture or convertible product.
- Repayments scale with revenue, easing pressure in slower months.
- Built for D2C, SaaS and subscription Ltds where balance-sheet underwriting tends to fail.
Watch-outs, and when another lender may suit better
- The flat-fee structure hides the effective cost, and short paybacks make that cost higher.
- Tied to platform data, so offline or B2B-services revenue is a poor fit.
- A personal guarantee is typical on Ltd company deals.
- Funding bands depend on platform integrations and recent revenue stability.
Best fit applicants
- Shopify, Amazon, Stripe and SaaS Ltds with 6+ months trading
- Marketing or inventory growth capital
- Revenue-led Ltds without a strong balance-sheet history
Where Outfund is the wrong fit
- Offline B2B service Ltds, consider invoice finance or asset finance
- Pre-revenue applicants, consider Start Up Loans Company
- Borrowers who want a fixed-term predictable payment, consider a term lender
If declined by Outfund
If your application to Outfund is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Outfund
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Outfund?
Outfund offers revenue-based finance for online and subscription businesses. Ticket range: £10k to £10m. Typical rate: Flat fee from around 5%, quoted at offer.
How long does Outfund take to decide?
24 to 48 hours Outfund says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Outfund the best fit for?
First on the list: Shopify, Amazon, Stripe and SaaS Ltds with 6+ months trading. The full list is under Best fit applicants above.
When might another lender suit better than Outfund?
First on the list: Offline B2B service Ltds, consider invoice finance or asset finance. The other cases are under Where Outfund is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Outfund
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.