Independent ranking
Best UK revenue-based finance providers
Independent UK lender rankings from desk research, post-decline options included. FundBiz does not run a credit check. Typical decision times vary by product and lender and are stated in the ranking below.
Start here · What do you need?
Our revenue-based finance page already names Wayflyer, Outfund, YouLend and Liberis as providers that lend against future sales rather than the balance sheet. Wayflyer and Outfund both underwrite on Shopify, Amazon and Stripe data; YouLend and Liberis lean on embedded offers where the applicant already has a partner-platform relationship, with approval or funding in as little as 24 hours by their own accounts. This FundBiz ranking assesses 4 UK lenders for "best uk revenue-based finance providers", weighting primarily on revenue-based underwriting depth (30%), fee transparency (20%), decision speed (20%) (see the full weighted criteria below). Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product criteria, not customer reviews and not paid placement. Lenders don't pay for inclusion or rankings. If you send an enquiry, we pass it to a business finance broker, who pays us a fixed fee; you pay nothing.
Source: FundBiz methodology. Editorial by Best Business Loans Ltd (16833937).
Founder & Managing Director, Muswell Rose, FundBiz
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. His background runs through commercial finance, mortgages and fintech, including as managing director of an invoice finance business. He oversees FundBiz's guides and lender reviews.
Last updated:
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Revenue-based finance for ecommerce · £10k to £20m · 24 to 48 hours
Fixed fee disclosed at offer with no compounding interest; underwrites on Shopify, Amazon and Stripe data.
Read full Wayflyer review → -
Revenue-based finance for online and subscription businesses · £10k to £10m · 24 to 48 hours
Underwrites D2C, SaaS and subscription Ltds on live revenue data; no equity dilution.
Read full Outfund review → -
Embedded MCA / revenue-based finance · Up to £2m · Approval in as little as 24 hours
Approval in as little as 24 hours via tight marketplace and gateway integration, by YouLend's account.
Read full YouLend review → -
Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs · £1k to £1m · Funding in as little as 24 hours
Embedded finance via Worldpay, Barclaycard, Klarna and other partners, often pre-approved.
Read full Liberis review →
Side-by-side comparison
| Lender | Typical rate | Ticket | Decision | Best for |
|---|---|---|---|---|
| Wayflyer | Fixed fee 2% to 8% of the advance | £10k to £20m | 24 to 48 hours | Shopify, Amazon and D2C Ltds with 6+ months of trading |
| Outfund | Flat fee from around 5%, quoted at offer | £10k to £10m | 24 to 48 hours | Shopify, Amazon, Stripe and SaaS Ltds with 6+ months trading |
| YouLend | Fixed fee, repaid as a percentage of sales (quoted per offer) | Up to £2m | Approval in as little as 24 hours | Sellers on Amazon, Shopify, eBay, Etsy or Just Eat |
| Liberis | One fixed fee, repaid as a percentage of sales (quoted per offer) | £1k to £1m | Funding in as little as 24 hours | Existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow |
Sources: each lender's own published product pages: Wayflyer · Outfund · YouLend · Liberis. Figures change; confirm with the lender before you rely on one.
What is the best UK revenue-based finance provider?
Wayflyer, Outfund, YouLend and Liberis are named on our revenue-based finance page. Wayflyer and Outfund both underwrite on Shopify, Amazon and Stripe data; YouLend and Liberis lean on embedded offers through an existing partner platform.
How does revenue-based finance work?
The lender advances a lump sum against future sales and takes a fixed share of daily or weekly revenue until a pre-agreed fee is repaid, rather than charging compounding interest on a fixed term. Repayments flex down automatically in a quieter week.
What does UK revenue-based finance cost?
As recorded in our lender reviews: Wayflyer: fixed fee 2% to 8% of the advance. Outfund: flat fee from around 5%, quoted at offer. YouLend: fixed fee, repaid as a percentage of sales (quoted per offer). Liberis: one fixed fee, repaid as a percentage of sales (quoted per offer). Lenders price each case individually, so confirm the cost on a real quote.
How fast does revenue-based finance fund?
As recorded in our lender reviews: Wayflyer: 24 to 48 hours. Outfund: 24 to 48 hours. YouLend: approval in as little as 24 hours. Liberis: funding in as little as 24 hours. Timings are the lenders' own or typical figures and depend on how complete your application is.
What revenue-based finance cases get declined?
Offline B2B service businesses with no online sales or gateway feed, and pre-revenue applicants, are the most common declines. All four providers on this list need live platform, marketplace or gateway data to underwrite against.
How we ranked these
We weight revenue-based underwriting depth (30%), fee transparency (20%), decision speed (20%), eligibility breadth (15%), platform and gateway integration (15%). Rankings reflect our published editorial methodology, not any commercial arrangement. See our /methodology/ for the full basis.
Methodology weights
Weights specific to "Best UK revenue-based finance providers":
- Revenue-based underwriting depth30%
- Fee transparency20%
- Decision speed20%
- Eligibility breadth15%
- Platform and gateway integration15%
Read the full methodology for how we score and rank the lenders we review.
Also considered
- Funding Circle (for borrowers who want a fixed monthly payment instead)
Not for
Offline B2B service Ltds without a gateway or platform revenue feed; pre-revenue applicants.
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 →FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Editorial by Best Business Loans Ltd (16833937).