Quick Compare:

1. Funding Agent

Funding Agent Funding Agent is a UK business finance broker that helps SMEs access funding from a panel of lenders. It suits UK SMEs seeking clear options and predictable terms. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £1,000,000
• Min APR: 5%
• Max APR: 15%
• Loan Duration: 6 to 72 months⌛

Services & Industries

• Finance Types: Working Capital Loan, Business Expansion Loan
• Industries: Technology, Healthcare, Manufacturing

Pros

• Competitive APR
• Flexible terms

Cons

• Eligibility criteria apply

Sources: https://www.fundingagent.co.uk

2. YouLend

YouLend YouLend provides flexible financing solutions with a focus on revenue-based funding for businesses. It typically works well for companies seeking quick access to capital with less security required and a straightforward funding process. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Revenue-Based Finance
• Industries: Retail, E-commerce

Pros

• High approval rate
• Automated open banking connection

Cons

• Higher cost of capital

Sources: https://www.merchantsavvy.co.uk/business-finance/merchant-cash-advance/youlend/,http://www.youlend.co.uk/ https://www.merchantsavvy.co.uk/business-finance/merchant-cash-advance/youlend/,http://www.youlend.co.uk/

3. Liberis

Liberis Liberis offers business cash advances with flexible repayment options linked to card sales. It generally serves small and medium-sized businesses looking for quick, unsecured funding options. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 1.26%
• Max APR: 1.5%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Business Cash Advance
• Industries: Retail, Hospitality

Pros

• Simple cost structure, no APR

Cons

• Limited to card transaction-based businesses

Sources: https://www.liberis.co.uk/,https://www.merchantsavvy.co.uk/business-finance/merchant-cash-advance/ https://www.liberis.co.uk/,https://www.merchantsavvy.co.uk/business-finance/merchant-cash-advance/

4. 365 Business Finance

365 Business Finance 365 Business Finance offers revenue-based funding suited for small and medium-sized enterprises. Its process emphasises speed and flexibility, often with light security requirements. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £500,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Variable⌛

Services & Industries

• Finance Types: Revenue-Based Finance
• Industries: Various including retail and hospitality

Pros

• No fixed monthly payments
• Quick funding

Cons

• Repayment based on sales volumes

Sources: https://www.365finance.co.uk/,https://fundingxchange.co.uk/lenders/liberis/

5. Capify

Capify Capify provides quick and flexible small business loans with options suitable for various sectors. It typically suits SMEs needing fast funds with adaptable terms. Here's what to know:

Loan Details

• Min Amount: £5,000
• Max Amount: £3,000,000
• Min APR: 67.89%
• Max APR: 0%
• Loan Duration: Varies by need⌛

Services & Industries

• Finance Types: Business Loans
• Industries: Small Businesses, Various

Pros

• Fast approval
• Tailored repayment terms

Cons

• High APR

Sources: https://www.capify.co.uk/,https://www.iwoca.co.uk/lenders/capify-business-loans https://www.capify.co.uk/,https://www.iwoca.co.uk/lenders/capify-business-loans

6. Nucleus Commercial Finance

Nucleus Commercial Finance Nucleus offers a range of business loans, focusing on flexibility and predictable repayment plans. It is suitable for growing companies needing tailored funding solutions with quick access. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £2,000,000
• Min APR: 16.5%
• Max APR: 0%
• Loan Duration: 3 months to 6 years⌛

Services & Industries

• Finance Types: Unsecured Loans, Asset-Based Lending
• Industries: Varied

Pros

• Same-day decisions
• Flexible terms

Cons

• Higher rates for unsecured options

Sources: https://nucleusprelaunch.328234838193491-cloud.co.uk/small-business-loans/,https://www.fundinvoice.co.uk/blog/loans/nucleus-commercial-finance-lowers-unsecured-loan-rates.html

7. iwoca

iwoca iwoca provides flexible small business loans with competitive interest rates. It offers quick access and adaptable repayment options, often suitable for growing businesses needing funding on flexible terms. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: Up to 24 months⌛

Services & Industries

• Finance Types: Small Business Loans
• Industries: Various

Pros

• Flexible borrowing
• Interest only on outstanding balance

Cons

• Higher APR for riskier profiles

Sources: https://www.iwoca.co.uk/finance-explained/business-loan-interest-rates,https://www.iwoca.co.uk/compliance/pricing https://www.iwoca.co.uk/finance-explained/business-loan-interest-rates,https://www.iwoca.co.uk/compliance/pricing

8. Worldpay Business Finance

Worldpay Business Finance Worldpay offers merchant cash advances that are often suitable for merchants seeking quick access to capital with flexible repayment based on card receivables. It is typically used for short-term funding needs. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Repayment tied to card sales⌛

Services & Industries

• Finance Types: Merchant Cash Advance
• Industries: Retail, Hospitality

Pros

• Flexible repayments
• Based on card receivables

Cons

• Dependent on card sales volume

Sources: https://www.worldpay.com/en-GB/products/business-cash-advance,https://www.fundingagent.co.uk/post/best-mca-loan-providers-for-e-commerce-businesses-uk https://www.worldpay.com/en-GB/products/business-cash-advance,https://www.fundingagent.co.uk/post/best-mca-loan-providers-for-e-commerce-businesses-uk

9. Boost Capital

Boost Capital Boost Capital provides quick funding solutions for small businesses, often specialising in merchant cash advances and flexible finance. It is suitable for companies seeking speedy approval and adaptable repayment options. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Varies by solution⌛

Services & Industries

• Finance Types: Merchant Cash Advance, Flexible Finance
• Industries: Various

Pros

• Quick funding
• Tailored solutions

Cons

• Terms vary widely

Sources: https://www.joinstored.com/blogs/best-merchant-cash-advance-solutions,https://merchantmachine.co.uk/cash-advance/ https://www.joinstored.com/blogs/best-merchant-cash-advance-solutions,https://merchantmachine.co.uk/cash-advance/

10. Quick Capital

Quick Capital Quick Capital provides merchant cash advances with customisable payment options and quick access tailored to small and medium-sized businesses. It focuses on fast approval and flexible terms. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Flexible repayment terms⌛

Services & Industries

• Finance Types: Merchant Cash Advance
• Industries: Retail, Food and Beverage

Pros

• Fast access to funds
• Simple application process

Cons

• Repayment based on sales

Sources: https://merchantmachine.co.uk/cash-advance/,https://www.mobiletransaction.org/business-cash-advance-uk/ https://merchantmachine.co.uk/cash-advance/,https://www.mobiletransaction.org/business-cash-advance-uk/

How to choose

When selecting a provider for the Top 10 Merchant Cash Advance Providers for UK Businesses, consider the nature of your business and funding needs. Broker platforms like Funding Agent often offer a range of lenders suited for quick comparison and flexible options. Direct lenders might focus on secured or unsecured offers with specific security requirements. Evaluate the flexibility of repayment options, speed of access, and associated fees. Matching the provider type to your business use case helps ensure the most suitable funding pathway. Always review lender criteria and costs before applying.

Conclusion

Matching the right provider to your needs depends on your funding purpose and preferred approach. Brokers like Funding Agent can help compare options quickly. Larger or sector-specific lenders may offer tailored products for property or secured needs. Always confirm current costs and terms with the lender; pricing may change. Understanding your funding goals will help select the best provider for your franchise.