Business lenders compared
What each lender funds, how much and how you repay, in the lender's own published terms. It is a directory, not a ranking, and a lender's profile here does not mean it works with Capzy.
Unsecured business loans
Term loans and flexible credit without a charge over a specific asset, usually backed by a personal guarantee. Read our guide to unsecured business loans.
Bizcap
Business loans, secured loans, bridging and credit line, £5k to £1m
Braemar Finance
Business loans and asset finance for professions, via specialist brokers
Business Enterprise Fund (BEF)
Not-for-profit lender: small business loans up to £250,000 in the North of England
Capify
Unsecured and secured business loans from £10,000 to £3,000,000 for UK SMEs
Credit4
SME funding from £15,000 to £250,000, unsecured with personal guarantees
Cubefunder
Unsecured business loans, £5,000 to £100,000, 3 to 12 months
Federal Capital
Broker-introduced unsecured business loans, £5,000 to £200,000
Finance For Enterprise
Regional SME Enterprise Loans of £25,001 to £250,000 over up to 5 years
Fleximize
Business loans of £10,000 to £1,000,000, unsecured or secured, from 12 to 60 months
Funding Alternative
Business and merchant cash advances, £15,000 to £250,000
Funding Circle
Business loans of £10,000 to £750,000, plus credit lines, cards and asset finance
FW Capital
Regional SME loans in northern and South West England and Wales, from £25k
iwoca
Unsecured draw-down business loans of £1,000 to £1 million over one to five years.
Kingsway Finance
Broker-introduced commercial and professional loans, £10,000 to £250,000
LendingCrowd
Business loans of £75,000 to £500,000 over 6 to 60 months
Lenkie
Invoice-payment credit facility, up to £1m, 1 to 12 months
Little Business Loans
Short-term business loans of up to £20,000 for up to 12 months
Mercia Business Loans
Regional SME debt finance from £100,000 to £2 million, focused on Yorkshire and the Humber
Momenta Finance
Unsecured business loans of £50,000 to £500,000 over 6 to 84 months
Nucleus Commercial Finance
Unsecured business loans from £3k to £500k across three products, over terms of up to 60 months.
Playter
Short-term cash flow loans up to £500,000 and invoice-spreading credit up to £1 million
SimplyFunded
Unsecured business loans, £5,000 to £500,000, up to 26 weeks
STAX
Unsecured SME cashflow loan, £5,000 to £25,000
Swiftfund
Short term unsecured business advances, £10,000 to £1,000,000
Swishfund
Business loans of £10,000 to £400,000 with terms up to 24 months
White Oak UK
Commercial, VAT and tax loans, asset finance and invoice finance for SMEs and mid-sized firms
Secured business loans
Larger or longer-term borrowing secured on property or other business assets. Read our guide to secured business loans.
4Syte
Secured business loans of £30,000 to £500,000 against property
Mercantile Trust
Property-secured business loans, £10,000 to £500,000, up to 75% LTV
Nationwide Finance
Direct business and start-up loans for UK limited companies, £8,000 to £10 million
RAW Capital Partners
Unregulated buy-to-let term and bridging loans on UK residential property, £50k to £4m
Time Finance
Secured business loans of £50k to £500k alongside invoice finance, plus asset finance
Together
Property-secured business loans, mortgages and bridging, to £5m
Asset finance
Hire purchase, leasing and refinance for vehicles, plant, machinery and equipment. Read our guide to asset finance.
Admiral Leasing & Loans
Equipment leasing, hire purchase and commercial loans for new and established businesses
ALG Finance
Own-funds and brokered asset finance for SMEs, £1,000 to £3 million
Allica Bank
Asset finance for established UK businesses, £25k to £2.5m, up to 7 years
Armada Asset Finance
Equipment and soft-asset finance, £2,000 to £250,000, through brokers only
BPCE Equipment Solutions UK
Equipment and vendor finance from £5k to £25m: hire purchase, leasing, business loans and stocking
Davenham Asset Finance
Asset finance and refinance for SMEs, advances of £15,000 to £350,000
Dawsongroup Finance
Finance lease, operating lease, hire purchase and fleet funding; amounts not published
Haydock Finance
Broker and vendor hire purchase, finance lease, refinance and chattel mortgage; amounts not published
InterBay Asset Finance
Broker-introduced hire purchase, finance lease and refinance, from £25,000 with no maximum
Kennet Equipment Leasing
Equipment leasing and asset finance for UK SMEs on equipment from £1,000, part of STAR Asset Finance Group
Kingsley Asset Finance
Asset finance, refinance and professional practice loans, £10,000 to £500,000
Liberty Finance
Hire purchase, lease and refinance from £10K to £1M for SMEs and high-net-worth individuals
Novuna Business Finance
Hire purchase and leasing for business assets; no business loans; amounts not published
PEAC Solutions
Lease, hire purchase and chattel mortgage for business equipment; broker deals from £1,000
Renaissance Asset Finance
Hire purchase, finance lease and refinance, from £10k to £4m+, via brokers and direct
Simply Asset Finance
Hire purchase, leasing and equity release, typically £5,000 to £10m plus
Ultimate Finance
Hard-asset finance up to £750k per asset and £3m per customer, plus invoice finance up to £10m
United Trust Bank
Broker-introduced hire purchase, finance lease and refinance on vehicles and machinery
Invoice finance
Factoring, invoice discounting and asset-based lending against money customers owe you. Read our guide to invoice finance.
Aldermore Bank
Invoice discounting, factoring and asset based lending; generally £750,000 minimum turnover
Bibby Financial Services
Invoice factoring and discounting; asset finance up to £5m
Close Brothers
Invoice discounting, factoring and asset based lending, plus asset finance from Close Brothers
Cynergy Business Finance (Cynergy Bank)
Asset-based lending and receivables finance, £200,000 to £40,000,000 per business
eCapital (UK)
Invoice finance, discounting and selective invoice finance for UK SMEs
Hydr
Digital, disclosed invoice finance advancing up to 100% of invoice value
Kriya
Invoice finance facilities from £100k to £3m+, plus B2B pay-later credit and business loans by enquiry.
Partnership Invoice Finance
Factoring and disclosed discounting for funding up to about £1m
Penny
Selective invoice finance on invoices of £500 to £500,000
Sonovate
Invoice funding for recruitment agencies, consultancies and staffing platforms
Team Factors
Invoice finance with credit control; facilities up to £1.5m
TP24 (Tradeplus24)
Receivables-backed CreditLine from £250,000 to £5,000,000
Triver
Invoice-by-invoice advances; facilities up to £1m, £100 to £100k per advance
Revenue-based finance
Merchant cash advances and e-commerce funding repaid as a share of sales. Read our guide to revenue-based finance.
365 Finance
Card-sales-linked cash advances from £10,000 to £500,000
Got Capital
Merchant cash and business funding advances of £2,000 to £300,000, repaid from future revenue
Liberis
Revenue-based finance from £1,000, repaid as a fixed percentage of daily sales for a fixed fee.
Outfund
Revenue-based and fixed-term funding, from £10k (upper limit varies on its pages)
SAPI
Payment-linked revenue-based advances from £10,000 to £500,000
Wayflyer
Cash advance, term loan and rolling financing, from £10k up to £20m for eCommerce
YouLend
Revenue-based merchant financing of up to £2 million, repaid as a percentage of sales for a fixed fee.
Tax bill funding
Short-term funding that spreads a VAT, Corporation Tax or other HMRC bill. Read our guide to tax bill funding.
Commercial mortgages & banks
Banks and building societies that lend against commercial property and offer wider business banking. Read our guide to commercial mortgages and bank lending.
Bank of Scotland
Business loans from £1,000, large loans over £100,000 including commercial mortgages, overdrafts, invoice and asset finance
Barclays
Business loans from £1,000 to £25 million, commercial mortgages from £25,001, invoice discounting and asset finance via Propel
Cambridge & Counties Bank
Commercial and residential investment property loans from £150k, bridging and asset finance
HSBC UK
Business loans from £1,000, commercial mortgages up to 75% of value, overdrafts, invoice discounting and asset finance
Lloyds Bank
Business loans from £1,000, large loans and commercial mortgages over £100,000, plus asset finance and invoice finance
Metro Bank
Business loans under £60,000, commercial loans from £60,000 over 1 to 30 years, invoice finance and asset finance
NatWest
Small business loans from £1,000, larger loans and commercial mortgages from £25,001, overdrafts, invoice and asset finance
OakNorth Bank
Bespoke business and property loans from £1m up to tens of millions
Recognise Bank
Bridging loans of £250,000 to £10 million and commercial mortgages from £250,000
Redwood Bank
Commercial mortgages £250k to £10m, terms up to 30 years, brokers preferred
Royal Bank of Scotland
Small business loans from £1,000, larger loans and commercial mortgages from £25,001, overdrafts, invoice and asset finance
Santander UK
Commercial mortgages from £25,001 over up to 25 years; unsecured loans £1k to £50k
Shawbrook
Mid-market business lending from £1m to £50m, plus commercial mortgages and bridging
TSB
Commercial mortgages from £25,001, up to 25 years, up to 70% of property value
Virgin Money
Business loans from £30,000 to £10m, overdrafts, asset finance and commercial banking
YBS Commercial Mortgages
Owner-occupier, commercial investment and semi-commercial mortgages, £300k to £20m
Bridging loans
Short-term property-backed loans used until a sale, refinance or longer-term funding completes. Read our guide to bridging loans.
Assetz Capital
Property bridging loans, preferred size £500k to £10m, 2 to 24 months.
Black & White Bridging
Short-term property bridging loans from £50k to £5m, up to 24 months.
Bridge Help
Unregulated property bridging loans from £100,000 to £3m, up to 75% of value.
Bridging Finance Solutions (BFS)
Property-secured bridging loans, typically £50k to £2m, up to 24 months.
Colenko
Bridging £100k to £3m (up to 18 months), refurbishment and development finance
Funding Guru
Commercial bridging loans of £20,000 to £5 million, plus wider business finance
Glenhawk
Short-term bridging from £250k, terms 3 to 24 months, via brokers
Lendhub
Non-regulated property bridging, £100k to £10m, up to 24 months.
MS Lending Group
Commercial and residential property bridging loans, up to £3m for commercial.
MT Finance
Regulated and unregulated property bridging loans, up to 24 months.
Octane Capital
Bridging, refurbishment and developer exit loans, £175k to £15m, up to 24 months
Octopus Capital (Octopus Real Estate)
Residential bridging (1 to 23 months) and commercial bridging from £1m
One Stop Business Finance
SME bridging and secured loans, £100k to £3m, under 24 months.
Ortus Secured Finance
Residential and commercial bridging, up to £25m, terms up to 3 years
Reward Funding
Asset-secured property, business and asset finance, up to £5 million
Rocket Bridging
Business bridging loans, from £100,000 with no stated upper limit
Roma Finance
Property bridging loans from £75k to £3m, up to 24 months.
Sancus UK
Bridging and development finance in England and Wales, £500k to £5m (bridging table)
Somo
Unregulated bridging loans secured on UK property, £27,500 to £3,000,000
TAB
First charge bridging loans, £100k to £5m, up to 24 months.
TFG Capital
Secured bridging and cashflow finance, £50k to £5m, terms up to 12 months.
Westwood Capital Finance
Secured bridging loans and commercial mortgages, £100k to £2m, up to 24 months.
Development finance
Funding for ground-up builds, conversions and refurbishments, released in stages. Read our guide to property development finance.
Affirmative Finance
Development and bridging finance, £10,000 to £3 million, up to 18 months
Goldentree Financial Services
Development finance and bridging, £100,000 to £10 million
Hampshire Trust Bank (HTB)
Development and development exit finance up to 65-70% GDV, 12 to 36 months
Mint Property Finance
Bridging, refurbishment and development loans, £75,000 to £3,000,000
PMJ Capital
Ground-up and exit development loans, typically up to £5 million
Signature Property Finance
Short-term property finance: bridging, refurbishment and development, £100k and up
R&D tax credit loans
Advances against an expected research and development tax credit. Read our guide to R&D tax credit loans.
Each profile sets out the lender’s own published terms and the date we checked them. Lend to UK businesses? Join the Capzy lender panel
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