Data Index

UK Business Loan Lender Index 2026

The UK Business Loan Lender Index is a reviewed, structured dataset of lender terms: ticket range, typical rate, decision time, whether the lender quotes on a soft search, whether it lends to limited companies only, and whether it is FCA regulated. Every figure is taken from published lender criteria and Companies House records, not from advertising. This page tracks 110 reviewed lenders, 86 of which carry a Companies House number on record and 67 of which are FCA regulated.

Last updated 2026-05-10 · Compiled by BestBusinessLoans · See full lender reviews · Data API

Lender Product type Ticket range Typical rate Decision time Soft search Ltd only FCA Rating
Funding Circle Term loan £10k to £500k 6.9% to 26.9% APR 1 to 3 business days Yes No Yes 4.3
iwoca Flexi-loan / line of credit £1k to £500k From 2% per month Same day to 24 hours Yes No Yes 4.4
Capify Merchant cash advance + term loan £3.5k to £500k Factor rate 1.15 to 1.45 Same day Yes No Yes 4.0
365 Business Finance Merchant cash advance £10k to £500k Factor rate 1.10 to 1.40 24 to 48 hours Yes No Yes 4.1
Allica Bank SME term loan + commercial mortgage £150k to £5m From 7.99% APR 5 to 10 business days No Yes Yes 4.4
OakNorth SME term loan + bridging £500k to £50m+ Bespoke 7 to 14 business days No Yes Yes 4.2
Tide loans (Funding Options) Broker / aggregator (not a direct lender) £500 to £20m (panel-priced) Varies by panel lender 24 hours to 5 days Yes No Yes 3.9
Fleximize Term loan with flex features £5k to £500k From 0.9% per month 24 to 48 hours Yes No Yes 4.0
Liberis Merchant cash advance and BNPL for SMBs £1k to £1m Factor rate 1.10 to 1.40 Same day to 48 hours Yes No Yes 4.0
YouLend Embedded MCA / revenue-based finance £1k to £1m Factor rate 1.06 to 1.45 Same day Yes No Yes 4.0
Bizcap Specialist post-decline / fast cash £5k to £500k Factor 1.20 to 1.50 / per-month equivalent Same day Yes No Yes 3.6
JPM Capital Specialist post-decline term loans and MCA £5k to £500k Factor / per-month equivalent in higher band Same day to 48 hours Yes No Yes 3.7
Acorn Commercial Finance Asset-backed and commercial finance specialist £10k to £2m Bespoke 3 to 7 business days Yes No Yes 3.8
Bolton Finance Specialist commercial finance for SMEs £25k to £1m From around 8% to 15% APR equivalent 3 to 5 business days Yes No Yes 3.7
Aldermore Asset finance, invoice finance, commercial mortgages £25k to £5m From 7.5% APR equivalent 5 to 10 business days No Yes Yes 4.1
Shawbrook Bank Term loans, asset finance, commercial property £25k to £25m Bespoke 7 to 14 business days No Yes Yes 4.0
Time Finance Asset finance, invoice finance, vehicle finance £10k to £2m Bespoke 2 to 5 business days Yes No Yes 4.0
Just Cashflow Revolving credit / cashflow facility £10k to £500k 0.5% to 2.5% per month on drawn balance 24 to 72 hours Yes Yes Yes 0.0
Sigma Lending Unsecured term loan £5k to £150k Quoted at offer Same day to 24 hours Yes Yes No 3.6
Swiftfund Merchant cash advance £10k to £500k Factor rate, quoted at offer Same day to 48 hours Yes No No 3.8
Cubefunder Unsecured fixed-fee term loan £5k to £100k Fixed total fee, quoted at offer 24 to 48 hours Yes Yes Yes 4.0
Got Capital Revenue-based business funding advance £2k to £300k Factor fee, quoted at offer Same day to 48 hours Yes No 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 No 4.2
MaxCap Unsecured term loan £3k to £100k Quoted at offer Same day Yes Yes No 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 No 3.6
LendingCrowd Term loan £75k to £500k Fixed for the term, quoted at offer 24 to 48 hours Yes 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 No 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 Yes 4.1
Close Brothers Asset finance, invoice finance, commercial loans £25k to £25m+ Bespoke, quoted at offer 5 to 14 business days No No Yes 4.2
Nucleus Commercial Finance Term loans, asset finance, invoice finance, property finance £25k to £20m Bespoke, from around 8% APR equivalent 24 hours to 7 business days Yes No Yes 4.0
Capital on Tap Business credit card with revolving credit line Up to £250k credit limit From 15.5% APR variable on cash; 0% on card spend if cleared in full 2 minutes to same day Yes No Yes 4.3
Hampshire Trust Bank Asset finance, commercial mortgages, bridging, development finance £25k to £25m+ Bespoke, quoted at offer 5 to 15 business days No Yes 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 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 No 4.1
Sonovate Embedded finance and contractor pay funding for recruitment and consultancy agencies £10k to £15m+ rolling facility Service fee plus discount margin, quoted at offer 3 to 10 business days No Yes Yes 4.3
White Oak UK SMB term loans, asset finance, professional finance £5k to £500k Bespoke, quoted at offer 24 hours to 5 business days Yes No Yes 4.0
ThinCats Mid-market SME term loans (now part of Shawbrook Group) £1m to £15m Bespoke, quoted at offer 2 to 6 weeks No Yes Yes 4.0
Barclays Business loans, overdrafts, asset finance, commercial mortgages £1k to several million From around 7% to 12% APR for unsecured term loans 1 to 4 weeks depending on ticket size No No Yes 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 Yes 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 Yes 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 Yes 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 Yes 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 Yes 3.7
Assetz Capital SME term loan + commercial property + bridging £250k to £10m Bespoke 5 to 15 business days No Yes Yes 4.0
Boost Capital Merchant cash advance + small business loan £3k to £500k Factor rate 1.10 to 1.40 Same day to 48 hours Yes No Yes 3.8
Caple Unsecured SME growth loan £500k to £5m Bespoke 4 to 8 weeks No Yes Yes 3.9
Credit4 SME term loan + revolving credit £25k to £250k From around 9% APR 24 to 72 hours Yes Yes Yes 3.9
Crowd2Fund P2P SME term loan £10k to £1m 8% to 18% APR 5 to 15 business days No No Yes 3.7
Growth Lending Growth term loan + asset-based + recovery finance £1m to £25m Bespoke 4 to 8 weeks No Yes Yes 4.1
Hodge Bank Commercial mortgage + asset finance + bridging £250k to £10m From around 7% APR 5 to 15 business days No Yes Yes 4.0
Investec Corporate banking + asset finance + commercial property £500k to £50m+ Bespoke 2 to 6 weeks No Yes 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 Yes 4.2
Kriya Invoice finance + B2B BNPL + business loan £10k to £1m From around 0.5% per month 24 to 72 hours Yes 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 Yes 4.0
eCapital Invoice finance + asset-based lending £50k to £10m From around 1.5% above base on advanced funds 5 to 10 business days No Yes Yes 3.9
Paragon Bank Asset finance + commercial property + development finance £25k to £25m Bespoke 5 to 15 business days No Yes Yes 4.1
Secure Trust Bank Commercial finance + asset finance + invoice finance £50k to £25m Bespoke 5 to 15 business days No Yes 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 Yes 4.1
Avamore Capital Bridging and development finance £500k to £25m From 0.65% per month 3 to 10 business days No No No 4.0
Blazehill Capital Asset-backed term loans and special situations £5m to £75m Bespoke 4 to 8 weeks No Yes No 4.0
Fiduciam Bridging and short-term SME loans £250k to £25m From 0.69% per month 5 to 15 business days No No No 4.0
Glenhawk Bridging finance £300k to £10m From 0.69% per month 3 to 10 business days No No Yes 4.1
Hope Capital Bridging finance £50k to £10m From 0.69% per month 3 to 10 business days No 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 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 Yes 4.2
Maslow Capital Development finance £10m to £150m Bespoke 4 to 8 weeks No Yes No 4.0
Masthaven Specialist lending (in run-off) Closed to new business N/A N/A No No No 0.0
Mint Property Finance Bridging and refurbishment finance £100k to £5m From 0.69% per month 3 to 10 business days No 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 Yes 4.2
Octane Capital Bridging, refurbishment and BTL £150k to £30m From 0.69% per month 3 to 10 business days No No No 4.2
Octopus Real Estate Property finance: bridging, development, healthcare £500k to £200m+ Bespoke 5 to 20 business days No Yes No 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 No 4.0
Pluto Finance Development finance and residential lending £2m to £100m Bespoke 4 to 8 weeks No Yes No 4.0
Puma Property Finance Development and investment property finance £3m to £75m Bespoke 3 to 6 weeks No Yes No 4.0
Roma Finance Bridging and BTL mortgages £75k to £3m From 0.69% per month 3 to 10 business days No No Yes 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 Yes 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 Yes 4.2
4Syte Invoice finance and asset-based lending £25k to £5m Quoted at offer 24 to 72 hours No No No 3.8
ABN AMRO Asset Based Finance Asset-based lending and lease finance £2m to £50m+ Quoted at offer 2 to 6 weeks No Yes No 3.9
Arbuthnot Latham Private bank commercial lending £1m to £25m Quoted at offer 2 to 6 weeks No Yes Yes 4.1
Argyll Property Partners Property-backed business and development finance £500k to £15m Quoted at offer 1 to 4 weeks No Yes No 3.7
Breal Zeta CF Asset-based lending and commercial finance £2m to £30m Quoted at offer 2 to 6 weeks No Yes No 3.8
Catalyst Business Finance Invoice finance and asset finance £25k to £2m Quoted at offer 24 to 72 hours No No No 0.0
Clydesdale Bank Business banking and SME lending £25k to £25m+ Quoted at offer 1 to 4 weeks No No Yes 3.5
Corporate Asset Solutions Asset finance broker Bespoke Quoted at offer 24 to 72 hours No No No 0.0
Creative Capital SMB term loan and asset finance £10k to £500k Quoted at offer 24 to 72 hours No No No 3.4
FGI Finance International factoring and trade finance £500k to £20m Quoted at offer 2 to 4 weeks No Yes No 3.8
GapCap Invoice and asset finance £25k to £1m Quoted at offer 24 to 72 hours No No No 3.8
Haydock Finance Asset finance (hire purchase and lease) £5k to £500k Quoted at offer 24 to 72 hours No No Yes 4.2
Hydr Invoice finance (selective) £1k to £150k per invoice Flat fee per invoice Same day to 24 hours Yes Yes No 4.0
IGF Invoice Finance Invoice finance and ABL £100k to £15m Quoted at offer 1 to 3 weeks No Yes No 4.0
Infund SMB lender (entity not verified) Bespoke Quoted at offer Not published No No No 0.0
Invocap Invoice finance (entity not verified) Bespoke Quoted at offer Not published No No No 0.0
Liberty Leasing Asset finance (hire purchase and lease) £3k to £500k Quoted at offer 24 to 72 hours No No Yes 4.0
PNC Business Credit Asset-based lending (cross-border) £10m to £100m+ Quoted at offer 4 to 8 weeks No Yes No 3.7
Propel Asset finance (hire purchase and lease) £2k to £1m Quoted at offer Same day to 48 hours No No Yes 4.3
Redwood Bank SME commercial mortgage and term loan £250k to £2.5m From 7.5% APR 5 to 15 business days No Yes Yes 4.1
Reparo Short-term business loan and bridging £10k to £1m 1% to 3% per month 24 to 72 hours No No No 4.0
SellersFunding E-commerce working capital and term loan £5k to £1m Quoted at offer Same day to 48 hours Yes Yes No 3.9
Shard Credit Partners Private credit / direct lending £5m to £30m Quoted at offer 4 to 10 weeks No Yes Yes 4.0
SME Capital SMB term loan £250k to £5m Quoted at offer 2 to 6 weeks No Yes No 3.8
Spotcap Unsecured term loan (closed) Closed to new business N/A N/A No Yes No 0.0
Sterling Trade Finance Trade finance (brand absorbed) Closed to new business under this brand N/A N/A No Yes No 0.0
TFG Capital Short-term business loan £25k to £500k 1.5% to 3% per month 24 to 72 hours No Yes No 3.9
TradeRiver Trade finance (revolving purchase facility) £100k to £3m Quoted at offer 1 to 3 weeks No Yes No 3.9
Triple Point SME private credit and leasing £500k to £20m Quoted at offer 3 to 8 weeks No Yes Yes 4.0
Ultimate Finance Invoice finance, asset finance and bridging £10k to £5m Quoted at offer 24 to 72 hours No No Yes 4.2
Wayflyer Revenue-based finance for e-commerce £10k to £20m Fixed fee 2% to 8% of advance 24 to 48 hours Yes Yes No 4.2
Starling Bank Business term loan + overdraft £25k to £250k From 7% APR 2 to 5 business days No Yes Yes 4.3
Cashplus Bank Business loan + creditbuilder + overdraft £2k to £25k Quoted at offer 1 to 3 business days No No Yes 3.9

Click the Lender or Rating column headers to sort. Figures are normalised from each lender's published criteria. Rate ranges reflect headline-to-typical bands; your actual rate depends on turnover, trading history, credit profile, sector and security.

Methodology

Each lender in the index is reviewed against a common schema so the rows are directly comparable. We record the product type, ticket range, typical rate, decision time, whether a quote runs on a soft search, whether the lender lends to limited companies only, whether it is FCA regulated, and an overall editorial rating out of 5 built from sub-scores for transparency, eligibility breadth, speed and how the lender handles declines.

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. We do not publish a rate we cannot evidence from a primary source, so some cells read as a range or "from" figure rather than a fabricated point estimate.

The "last updated" date above is set to the most recent lender review date in the underlying dataset, so it never overstates freshness. Individual lender review dates are shown on each lender review. The index is maintained by the BestBusinessLoans editorial team and overseen by Oliver Mackman, director of Best Business Loans Ltd.

This dataset is published under a Creative Commons Attribution 4.0 licence. You may reuse the figures with attribution to BestBusinessLoans (bestbusinessloans.ai). A machine-readable version is available via the Data API.

What the index measures

Trusted comparison data sourced from

UK FinanceABFABusiness MoneyFundInvoiceBCR PublishingThe Gazette
85 providers compared Updated April 2026 Independent editorial