Alternatives to UK business lenders

Pick the lender you're considering or already approved by. Each page surfaces 4 UK alternatives compared on rate, ticket band, decision speed and eligibility.

• Alternatives to Funding Circle
  Term loan · £10k to £500k
• Alternatives to iwoca
  Flexi-loan / line of credit · £1k to £500k
• Alternatives to Capify
  Merchant cash advance + term loan · £3.5k to £500k
• Alternatives to 365 Business Finance
  Merchant cash advance · £10k to £500k
• Alternatives to Allica Bank
  SME term loan + commercial mortgage · £150k to £5m
• Alternatives to OakNorth
  SME term loan + bridging · £500k to £50m+
• Alternatives to Tide loans (Funding Options)
  Broker / aggregator (not a direct lender) · £500 to £20m (panel-priced)
• Alternatives to Fleximize
  Term loan with flex features · £5k to £500k
• Alternatives to Liberis
  Merchant cash advance and BNPL for SMBs · £1k to £1m
• Alternatives to YouLend
  Embedded MCA / revenue-based finance · £1k to £1m
• Alternatives to Bizcap
  Specialist post-decline / fast cash · £5k to £500k
• Alternatives to Shawbrook Bank
  Term loans, asset finance, commercial property · £25k to £25m

Last reviewed: 2026-05-18. Editorial by Oliver Mackman.