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 103 lenders, 91 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 |
|---|---|---|---|---|---|---|---|
| 365 Business Finance | Merchant cash advance (revenue-based finance) | £10k to £500k | One fixed cost, repaid as a percentage of card sales (quoted per offer) | Funding in as little as 24 hours | Yes | No | 4.1 |
| 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) | Quoted per deal (not published) | Not published | No | Yes | 4.1 |
| Allica Bank | SME term loan, asset finance + commercial mortgage | £25k to £150k (business loans); up to £15m (commercial mortgages) | Business loans 9.90% to 13.75% interest; other products quoted per deal | Money in days on business loans; longer for larger facilities | No | Yes | 4.4 |
| Bizcap | Specialist post-decline / fast cash | £5k to £1m | Factor rate set per application, plus an establishment fee | Approval in as little as 3 hours | Yes | No | 3.6 |
| Capify | Short-term business loans and supplier invoice payment | £10k to £3m | Factor rate set by risk (not published) | Typically 24 to 48 hours; same-day funding available | Yes | No | 4.0 |
| Funding Circle | Term loan | £10k to £750k | From 6.9% per year | As little as 5 minutes | Yes | No | 4.3 |
| iwoca | Flexi-loan / line of credit | £1k to £1m | From 1.5% per 30 days | Same day to 24 hours | Yes | No | 4.4 |
| JPM Capital | Specialist unsecured business loans, including post-decline cases | £5k to £50k | Quoted per application (not published) | Typically 24 to 48 hours (its own figure) | Yes | No | 3.7 |
| Liberis | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs | £1k to £1m | One fixed fee, repaid as a percentage of sales (quoted per offer) | Funding in as little as 24 hours | No | No | 4.0 |
| OakNorth | SME term loan + bridging | £1m to tens of millions | Bespoke | Typically funds within weeks (OakNorth's own wording) | No | Yes | 4.2 |
| 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 | 4 to 8 weeks | No | No | 4.0 |
| 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 |
| YouLend | Embedded MCA / revenue-based finance | Up to £2m | Fixed fee, repaid as a percentage of sales (quoted per offer) | Approval in as little as 24 hours | Yes | No | 4.0 |
| Wayflyer | Revenue-based finance for ecommerce | £10k to £20m | Fixed fee 2% to 8% of the advance | 24 to 48 hours | Yes | Yes | 4.2 |
| Outfund | Revenue-based finance for online and subscription businesses | £10k to £10m | Flat fee from around 5%, quoted at offer | 24 to 48 hours | Yes | Yes | 4.1 |
| Tide loans (Funding Options) | Broker / aggregator (not a direct lender) | £1k to £20m (Tide's published range) | Varies by panel lender | Varies by lender | Yes | No | 3.9 |
| Fleximize | Term loan with flex features (unsecured and secured options) | £10k to £1m | 0.9% to 2.9% per month | Decisions and funding in as little as 24 hours | Yes | No | 4.0 |
| Acorn Commercial Finance | Asset-backed and commercial finance specialist | £10k to £2m | Bespoke | 3 to 7 business days | Yes | No | 3.8 |
| Shawbrook Bank | Term loans, asset finance, commercial property | Not published as one range; specialist business lending facilities from £1m (its own figures) | Bespoke | Not published | No | Yes | 4.0 |
| Sigma Lending | Unsecured term loan | £5k to £150k | Quoted at offer | Same day to 24 hours | Yes | Yes | 3.6 |
| Swiftfund | Merchant cash advance | £10k to £500k | Factor rate, quoted at offer | Same day to 48 hours | Yes | No | 3.8 |
| Cubefunder | Unsecured fixed-fee term loan | £5k to £100k | Fixed total fee, quoted at offer | 24 to 48 hours | Yes | Yes | 4.0 |
| Got Capital | Revenue-based business funding advance | £2k to £300k | Factor fee, quoted at offer | Funding in as little as 1 to 24 hours after approval | Yes | No | 4.2 |
| MCL Finance | Unsecured term loan and merchant cash advance | £5k to £100k | Factor rate or fixed fee, quoted at offer | 24 hours | Yes | Yes | 4.2 |
| MaxCap | Unsecured term loan | £3k to £100k | Quoted at offer | Same day | Yes | Yes | 3.9 |
| Funding Alternative | Short-term unsecured cash flow advance | £25k upwards | Fixed fee, paid back over 3 to 6 months | Same day to 48 hours | Yes | No | 3.6 |
| LendingCrowd | Term loan | £75k to £500k | Fixed for the term, quoted at offer | 24 to 48 hours | Yes | Yes | 4.0 |
| Swishfund | Unsecured term loan | £10k to £400k | 1.1% to 3% per month | Same day decision; funds 24 to 48 hours | Yes | Yes | 3.9 |
| Bibby Financial Services | Invoice finance, factoring, asset-based lending | £25k to £25m+ facility | Service fee plus discount margin, quoted at offer | 5 to 10 business days | No | No | 4.1 |
| Close Brothers | Asset finance, invoice finance, commercial loans | £25k to £25m+ | Bespoke, quoted at offer | 5 to 14 business days | No | No | 4.2 |
| Nucleus Commercial Finance | Unsecured term loans, plus higher-risk and credit-builder options | £3k to £500k across its loan products | Term loans from 1.99% per month (its published broker factsheet) | 24 hours to 7 business days | Yes | No | 4.0 |
| Capital on Tap | Business credit card with revolving credit line | Up to £250k credit limit | 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 |
| 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 |
| United Trust Bank | Bridging, development finance, asset finance, structured property | £100k to £25m+ | Bespoke, quoted at offer | 5 to 14 business days | No | Yes | 4.2 |
| 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 |
| White Oak UK | SMB term loans, asset finance, professional finance | £5k to £500k | Bespoke, quoted at offer | Most decisions within 24 hours (White Oak UK's own figure) | Yes | No | 4.0 |
| ThinCats | Mid-market SME term loans (now part of Shawbrook Group) | £1m to £30m | Bespoke, quoted at offer | 2 to 6 weeks | No | Yes | 4.0 |
| Barclays | Business loans, overdrafts, asset finance, commercial mortgages | £1k to £25k unsecured; larger amounts secured | 8.5% to 14.9% APR representative on unsecured loans up to £25k, depending on amount | Immediate decision possible for existing customers; funds usually within 48 hours of signing | No | No | 3.8 |
| Lloyds Bank | Business loans, overdrafts, commercial mortgages, asset finance | £1k to £500k+ unsecured; larger via secured facilities | From around 7.4% to 12% APR for unsecured term loans | 5 to 15 business days | No | No | 3.8 |
| NatWest | Business loans, overdrafts, asset finance, commercial mortgages | £1k to £500k+ unsecured; larger via secured facilities | From around 7.5% to 12% APR for unsecured term loans | 5 to 15 business days | No | No | 3.8 |
| HSBC UK | Business loans, working capital, asset finance, international trade finance | £25k to several million | From around 7% to 12% APR for unsecured term loans | 1 to 4 weeks depending on ticket size | No | No | 3.8 |
| Santander UK | Business loans, overdrafts, commercial mortgages, international finance | £5k to £500k+ unsecured; higher via secured facilities | From around 7.5% to 12% APR for unsecured term loans | 5 to 15 business days | No | No | 3.7 |
| Royal Bank of Scotland | Business loans, overdrafts, asset finance, commercial mortgages | £1k to £500k+ unsecured; larger via secured facilities | From around 7.5% to 12% APR for unsecured term loans | 5 to 15 business days | No | No | 3.7 |
| Assetz Capital | SME term loan + commercial property + bridging | £250k to £10m | Bespoke | 5 to 15 business days | No | Yes | 4.0 |
| Caple | Unsecured SME growth loan | £500k to £5m | Bespoke | 4 to 8 weeks | No | Yes | 3.9 |
| Credit4 | SME term loan + revolving credit | £25k to £250k | From around 9% APR | 24 to 72 hours | Yes | Yes | 3.9 |
| Crowd2Fund | P2P SME term loan | £10k to £1m | 8% to 18% APR | 5 to 15 business days | No | No | 3.7 |
| Growth Lending | Growth term loan + asset-based + recovery finance | £1m to £25m | Bespoke | 4 to 8 weeks | No | Yes | 4.1 |
| Hodge Bank | Commercial mortgage + asset finance + bridging | £250k to £10m | From around 7% APR | 5 to 15 business days | No | Yes | 4.0 |
| Investec | Corporate banking + asset finance + commercial property | £500k to £50m+ | Bespoke | 2 to 6 weeks | No | Yes | 4.2 |
| LendInvest | Bridging + buy-to-let + development finance | £75k to £15m | From around 0.55% per month bridging / 5% APR BTL | 3 to 10 business days | No | No | 4.2 |
| Kriya | Invoice finance + B2B BNPL + business loan | £10k to £1m | From around 0.5% per month | 24 to 72 hours | Yes | Yes | 4.0 |
| Momenta Finance | SME term loan + merchant cash advance | £5k to £500k | From around 1% per month / factor rates on MCA | Same day to 48 hours | Yes | No | 4.0 |
| eCapital | Invoice finance + asset-based lending | £50k to £10m | Quoted at offer (headline pricing not published) | 5 to 10 business days | No | Yes | 3.9 |
| Paragon Bank | Asset finance + commercial property + development finance | £25k to £25m | Bespoke | 5 to 15 business days | No | Yes | 4.1 |
| Secure Trust Bank | Commercial finance + asset finance + invoice finance | £50k to £25m | Bespoke | 5 to 15 business days | No | Yes | 4.0 |
| Skipton Business Finance | Invoice finance (factoring + invoice discounting) | £25k to £5m | From around 1.5% above base on advanced funds | 5 to 10 business days | No | No | 4.1 |
| Avamore Capital | Bridging and development finance | £500k to £25m | From 0.65% per month | 3 to 10 business days | No | No | 4.0 |
| Blazehill Capital | Asset-backed term loans and special situations | £5m to £75m | Bespoke | 4 to 8 weeks | No | Yes | 4.0 |
| Fiduciam | Bridging and short-term SME loans | £250k to £25m | From 0.69% per month | 5 to 15 business days | No | No | 4.0 |
| Glenhawk | Bridging finance | £300k to £10m | From 0.69% per month | 3 to 10 business days | No | No | 4.1 |
| Hope Capital | Bridging finance | £50k to £10m | From 0.69% per month | 3 to 10 business days | No | No | 4.0 |
| Iron Bridge Finance | Property-secured short-term finance | £100k to £5m | From 0.85% per month | 5 to 15 business days | No | No | 3.7 |
| Kuflink | Bridging finance and P2P property lending | £75k to £3m | From 0.55% per month | 3 to 10 business days | No | No | 4.2 |
| Maslow Capital | Development finance and short-term (bridging) finance | £300k to £250m short-term; £20m to £750m development | Bespoke | 4 to 8 weeks | No | Yes | 4.0 |
| Mint Property Finance | Bridging and refurbishment finance | £100k to £5m | From 0.69% per month | 3 to 10 business days | No | No | 4.1 |
| MT Finance | Bridging and BTL mortgages | £50k to £10m | From 0.75% per month | 3 to 10 business days | No | No | 4.2 |
| Octane Capital | Bridging, refurbishment and BTL | £150k to £30m | From 0.69% per month | 3 to 10 business days | No | No | 4.2 |
| Octopus Real Estate | Property finance: bridging, development, healthcare | £500k to £200m+ | Bespoke | 5 to 20 business days | No | Yes | 4.1 |
| Ortus Secured Finance | Bridging and short-term commercial property finance | £150k to £5m | From 0.79% per month | 3 to 10 business days | No | No | 4.0 |
| Puma Property Finance | Development and investment property finance | £3m to £75m | Bespoke | 3 to 6 weeks | No | Yes | 4.0 |
| Roma Finance | Bridging and BTL mortgages | £75k to £3m | Quoted per case | 3 to 10 business days | No | No | 4.1 |
| Selina Finance | Property-secured business and personal credit lines | £10k to £500k | From 7.99% APR | 3 to 10 business days | Yes | No | 4.1 |
| Together | Bridging, BTL, commercial mortgages and second charge | £25k to £30m | From 0.65% per month (bridging) / 7.5% APR (mortgages) | 5 to 15 business days | No | No | 4.2 |
| 4Syte | Invoice finance and asset-based lending | £25k to £5m | Quoted at offer | 24 to 72 hours | No | No | 3.8 |
| Arbuthnot Latham | Private bank commercial lending | £1m to £25m | Quoted at offer | 2 to 6 weeks | No | Yes | 4.1 |
| Argyll Property Partners | Property-backed business and development finance | £500k to £15m | Quoted at offer | 1 to 4 weeks | No | Yes | 3.7 |
| 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 |
| Clydesdale Bank | Business banking and SME lending | £25k to £25m+ | Quoted at offer | 1 to 4 weeks | No | No | 3.5 |
| FGI Finance | International factoring and trade finance | £500k to £20m | Quoted at offer | 2 to 4 weeks | No | Yes | 3.8 |
| GapCap | Invoice and asset finance | £25k to £1m | Quoted at offer | 24 to 72 hours | No | No | 3.8 |
| Haydock Finance | Asset finance (hire purchase and lease) | Not published | Quoted at offer | Not published | No | No | 4.2 |
| Hydr | Invoice finance (selective) | £1k to £150k per invoice | Flat fee per invoice | Same day to 24 hours | Yes | Yes | 4.0 |
| IGF Invoice Finance | Invoice finance and ABL | £100k to £15m | Quoted at offer | 1 to 3 weeks | No | Yes | 4.0 |
| Liberty Leasing | Asset finance (hire purchase and lease) | £3k to £500k | Quoted at offer | 24 to 72 hours | No | No | 4.0 |
| PNC Business Credit | Asset-based lending (cross-border) | £10m to £150m | Quoted at offer | 4 to 8 weeks | No | Yes | 3.7 |
| 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 |
| Redwood Bank | SME commercial mortgage and term loan | £250k to £10m (£6.5m maximum per single asset) | Commercial fixed rates from 6.34%; variable from base rate plus 3.89% (its own figures) | Not published | No | Yes | 4.1 |
| Reparo | Short-term business loan and bridging | £10k to £1m | 1% to 3% per month | 24 to 72 hours | No | No | 4.0 |
| Shard Credit Partners | Private credit / direct lending | £5m to £30m | Quoted at offer | 4 to 10 weeks | No | Yes | 4.0 |
| SME Capital | SMB term loan | £250k to £5m | Quoted at offer | 2 to 6 weeks | No | Yes | 3.8 |
| TFG Capital | Short-term business loan | £25k to £500k | 1.5% to 3% per month | 24 to 72 hours | No | Yes | 3.9 |
| TradeRiver | Trade finance (revolving purchase facility) | £100k to £3m | Quoted at offer | 1 to 3 weeks | No | Yes | 3.9 |
| Triple Point | SME private credit and leasing | £500k to £20m | Quoted at offer | 3 to 8 weeks | No | Yes | 4.0 |
| Ultimate Finance | Invoice finance, asset finance, bridging and working capital | £10k (asset finance) to £10m (invoice and structured finance) | Quoted at offer | Asset finance decision within one working day; bridging decision in principle within 24 hours (its own figures) | No | No | 4.2 |
| 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 | Set by iwoca | Yes | Yes | 4.3 |
| Cashplus Bank | Business overdraft, credit card + Creditbuilder | Small-ticket credit; limits set per application | Quoted at offer | Not published | No | No | 3.9 |
| 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 |
| Lombard | Asset finance | No published minimum; institutional-scale mid-market and larger tickets | Not published; quoted case by case | Days to weeks, corporate credit process | No | No | 4.0 |
| West One Loans | Bridging finance | £75k to £30m | From 0.75% per month | Days once security and valuation are in place | No | No | 3.9 |
| PayPal Working Capital | Merchant cash advance (revenue-based) | Up to £160k (£225k for repeat borrowers) | Single fixed fee, disclosed in your offer before you accept it; not an APR/interest structure | Minutes once approved | No | No | 3.5 |
| Square Cash Advance | Merchant cash advance (revenue-based) | Not published; offer size is data-driven per merchant | A single funding cost, not an interest rate; disclosed per offer | Days once an offer is made | Yes | No | 3.5 |
| multifi | Revolving credit (Flexi Credit) | £10k to £350k | From 1.99% per month on drawn funds (multifi's published rate) | Under 24 hours for 85% of applicants (multifi's own figure) | No | Yes | 3.7 |
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.
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)
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