FundBiz panel lenders
The 13 UK SMB lenders we actively route applications to via the FundBiz matcher. Mainstream fintechs, MCA specialists, challenger banks, asset finance and post-decline. Limited companies, LLPs and partnerships of four or more only. For independent editorial reviews of these and 100+ other UK lenders, see our sister site BestBusinessLoans.
365 Business Finance
Merchant cash advance · £10k to £500k
Panel direct MCA lender we route to for £25k+ card-flow advances where the applicant wants a no-broker-fee structure. We also send case-by-case post-decline files here when missed ...
Aldermore
Asset finance, invoice finance, commercial mortgages · £25k to £5m
Panel challenger bank we route to for asset finance, invoice finance and commercial mortgage tickets between £25k and £5m where the applicant has the time for proper underwriting a...
Allica Bank
SME term loan + commercial mortgage · £150k to £5m
Panel challenger bank we route to for £150k to £5m term-loan and commercial mortgage applicants. We send established Ltd companies here when the deal is in the band the high street...
Bizcap
Specialist post-decline / fast cash · £5k to £500k
Panel post-decline specialist we route to when Funding Circle, iwoca and the high-street alternatives have already declined and the applicant still needs cash quickly. Bizcap takes...
Capify
Merchant cash advance + term loan · £3.5k to £500k
Panel MCA specialist we route to for hospitality, retail and salon Ltds with strong card-machine flow, including post-decline files where credit history blocks a Funding Circle or ...
Funding Circle
Term loan · £10k to £500k
Panel anchor for unsecured term loans between £10k and £500k. We route established Ltd companies with 2+ years trading and clean credit here first when the applicant wants a fixed-...
iwoca
Flexi-loan / line of credit · £1k to £500k
Panel anchor for flexi working capital. We route applicants here when the cash need is draw-as-you-go rather than a single lump sum, when trading time sits between 12 and 24 months...
JPM Capital
Specialist post-decline term loans and MCA · £5k to £500k
Panel post-decline specialist we route to for files with CCJ history, recent missed payments or bad credit where mainstream lenders decline. Direct lender so the rate the applicant...
Liberis
Merchant cash advance and BNPL for SMBs · £1k to £1m
Panel embedded-finance specialist we route to when the applicant already has a relationship with a partner platform (Worldpay, Barclaycard, Klarna, Sage). The application is often ...
OakNorth
SME term loan + bridging · £500k to £50m+
Panel top-end lender we route to for £500k+ tickets where the file has the financials to support a bespoke deal. We send established Ltd companies here when the applicant has a cle...
Start Up Loans Company
Government-backed unsecured personal loan to fund a UK start-up · £500 to £25k per founder (max £100k per business)
Panel government-backed lender we route to for pre-revenue founders, sub-12-month traders and pre-incorporation applicants who do not fit any commercial lender on the panel. Run by...
Time Finance
Asset finance, invoice finance, vehicle finance · £10k to £2m
Panel mid-ticket alternative finance specialist we route to when the file needs asset finance, invoice finance and vehicle finance combined under one lender. Particularly useful fo...
YouLend
Embedded MCA / revenue-based finance · £1k to £1m
Panel embedded-finance specialist we route to when the applicant sells through Amazon, eBay, Just Eat, Deliveroo, Shopify or a similar marketplace. Pre-approval is often already si...
Last reviewed: 2026-06-12.