Outfund: products, terms and eligibility

Outfund is a UK provider of revenue-based finance. The legal entity named on its site is MTL Financial Ltd, company number 10923992. It is based in London. It gives its founding year as 2017. It is part of VVOF Holdings Limited.

Outfund was founded in 2017 by Daniel Lipinski on the principle that businesses should not have to give away equity to fund growth. It trades as MTL Financial Ltd (10923992). Its About page says it raised £37M in debt-and-equity funding in 2020 and closed a £115M Series A in 2022 (£15M equity, £100M debt). It now says it is part of VVOF Holdings Limited, formed through a combination with Viceversa, and has offices in Milan, Dublin and London.

In its own words on scale:

• Says it has funded more than 2,000 customers and deployed £400 million (figures on its About page in October 2026).

Everything on this page comes from what Outfund publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Outfund publishes 2 products for UK businesses. The table above gives the amounts and terms as it states them.

• Revenue-based financing: A share of future sales; repayments flex up and down with revenue.
• Fixed-term loans: A fixed repayment amount over a set term.

Revenue-based financing

Up-front capital in exchange for a percentage of future earnings, repaid as a proportion of monthly revenue so that repayments rise and fall with sales. Funding is £10,000 to £300,000 on its funding page. It says no equity is taken and personal guarantees are not mandatory.

Fixed-term loans

Up-front capital repaid by a fixed monthly amount over a set term, so repayments stay the same regardless of business performance. Funding is £10,000 to £300,000 on its funding page, with no equity taken and no mandatory personal guarantees.

Outfund says its finance is used for:

• Growth funding without giving up equity
• Smoothing cash flow against sales
• Working capital for online and subscription businesses
• Further drawdown after repaying part of a facility

Sectors and business types it says it funds:

• Businesses that sell online or take card and platform payments (via Stripe, Shopify, Xero and similar connections)

Outfund publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Registered and trading in the UK, Spain or Germany.
• Trading for at least six months.
• Around £10k a month in sales.
• Sectors named include SaaS, e-commerce, retail, hospitality, agencies and professional services.

Outfund describes its process like this:

1. Connect accounting and payment platforms such as Stripe, Shopify or Xero.
2. Outfund analyses cash flow data from those connections.
3. A personalised offer is generated.
4. Accept the offer and receive the funds.

Information it says it asks for:

• Connected accounting and payment platform data (no spreadsheets required, per its page)

Every application is subject to status and the lender’s own criteria at the time.

Revenue-based finance, which includes merchant cash advances, is an advance repaid as an agreed share of your sales, so repayments rise and fall with takings. The cost is usually a fixed amount agreed at the start, not interest that builds over time, which means repaying sooner does not normally reduce it.

Providers look mainly at your card or online sales history. It tends to suit businesses with steady card takings, such as hospitality venues and retailers.

Points Outfund publishes that are worth knowing:

• Says no equity is taken.
• Says there are no mandatory personal guarantees.
• Says it runs a soft credit check only when you apply.
• Says you can top up once a third of the facility is repaid.
• Says one fee applies rather than interest.

Security and guarantees

Its funding page says no equity is given up and there are no mandatory personal guarantees. Once one-third of a facility is repaid, borrowers can access additional capital without reapplying.

Outfund’s site states: “Outfund is a trading name of MTL Financial Ltd, part of the VVOF Holdings Limited group. MTL Financial Ltd, 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom.”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of revenue-based finance with profiles here include SAPI, Wayflyer and YouLend. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.