Independent ranking
Best UK revenue-based finance providers
Independent UK lender rankings matched to your file. Soft credit search only, post-decline routes included; 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 the panel providers that lend against future sales rather than the balance sheet. Wayflyer and Outfund both underwrite on Shopify, Amazon and Stripe data with decisions in 24 to 48 hours; YouLend and Liberis lean on same-day embedded approvals where the applicant already has a partner-platform relationship. 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. Inclusion is never paid for: FundBiz is paid by lenders on completed funding, not for a verdict, and commission never changes a position. Match against the panel in two minutes with a soft search only.
Source: FundBiz methodology, last reviewed 2026-08-03. 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 specialty finance comparison and the logic behind how businesses are matched to lenders.
Last reviewed: 3 August 2026
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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 · £1k to £1m · Same day
Same-day funding via tight marketplace and gateway integration.
Read full YouLend review → -
Merchant cash advance and BNPL for SMBs · £1k to £1m · Same day to 48 hours
Embedded finance via Worldpay, Barclaycard, Klarna and Sage, 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 | Fixed fee disclosed at offer with no compounding interest; underwrites on... |
| Outfund | Flat fee from around 5%, quoted at offer | £10k to £10m | 24 to 48 hours | Underwrites D2C, SaaS and subscription Ltds on live revenue data; no equity... |
| YouLend | Factor rate 1.06 to 1.45 | £1k to £1m | Same day | Same-day funding via tight marketplace and gateway integration. |
| Liberis | Factor rate 1.10 to 1.40 | £1k to £1m | Same day to 48 hours | Embedded finance via Worldpay, Barclaycard, Klarna and Sage, often pre-approved. |
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 same-day embedded approvals 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?
Wayflyer charges a fixed fee of 2% to 8% of the advance. Outfund charges a flat fee from around 5%. YouLend and Liberis both price by factor rate, 1.06 to 1.45 and 1.10 to 1.40 respectively.
How fast does revenue-based finance fund?
YouLend and Liberis can both fund same day once platform data is connected. Wayflyer and Outfund typically decide in 24 to 48 hours.
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 every lender on the FundBiz panel.
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.
Check eligibility in two minutes
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Open the eligibility checker →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-08-03. Editorial by Best Business Loans Ltd (16833937).