Lender directory
UK business lenders
What each lender, bank and broker offers, who they suit and how to access them - checked by our team.
365 Business Finance
A direct lender specialising in repayment by sales, suited to high-street businesses with seasonal income.
Admiral Asset Finance
Admiral Asset Finance is a UK business finance funder and broker trading under Universal Leasing Limited. It provides asset finance, commercial loans, and specialized equipment leasing directly from its own balance sheet and via external funding partners.
Alchemy Business Finance
Alchemy Business Finance is an asset-led lender specialising in funding for the UK farming and agricultural sector. It provides asset finance, refinancing, and commercial bridging loans using a practical human underwriting approach.
Aldermore
A leading challenger bank; prioritises human underwriting for cases automated systems reject.
Allica Bank
A fast-scaling fintech bank combining modern tech with relationship banking for the mid-market.
Apollo Business finance
Apollo Business Finance is a Manchester-based invoice finance lender providing factoring, CHOCCs, selective invoice finance, and bad debt protection. Acquired by Team Factors in 2024, it specialises in human underwriting and supporting B2B SMEs and subcontractors turned away by mainstream lenders.
Armada Asset Finance
An independent UK asset finance lender with over 50 years of experience, providing soft asset and equipment finance through human underwriting. The company offers funding exclusively via a network of approved brokers.
Bibby Financial Services
The UK's largest independent invoice finance specialist.
Capify
UK Business loans of £10,000 to £3 million in as little as 24 hours Decisions made by people, not computers Clear repayments, no surprises Check your eligibility in 30 seconds* Get Funded Now *does not affect your credit score
Capital on Tap
A hybrid between a credit card and a revolving line of credit for daily business expenses.
Cashera
Cashera is an alternative commercial lender offering unsecured small business loans in the UK. The firm utilizes AI-driven underwriting to provide funding decisions within 24 hours.
Compass Business Finance
Compass is an independent finance company with an innovative and relational approach to the market. Established in 2005, we help businesses navigate the financial landscape, providing flexible and competitive funding solutions enabling their long-term success.
Credit4
A UK SME finance provider offering flexible working capital facilities and term loans. It emphasises human-led credit underwriting rather than automated decision-making.
Cube Funder
Cubefunder is an FCA-regulated direct lender providing flexible unsecured short term business loans to UK SMEs. It combines automated analysis with human underwriting, offering fixed-cost facilities with daily or weekly repayments and no early repayment fees.
Elect Capital
Elect Capital is a UK business finance provider offering unsecured, short-term working capital loans and merchant cash advances. It evaluates business cash flow and revenue data to deliver fast, same-day funding decisions without requiring physical asset collateral.
Federal Capital
Federal Capital is a UK non-bank lender offering unsecured commercial business loans from £5,000 to £200,000 with terms up to 12 months. Operating since 2012, all loan applications are introduced via commercial finance brokers.
Fleximize
Fleximize is an award-winning UK digital business lender providing flexible secured and unsecured loans to SMEs. It combines proprietary underwriting technology with dedicated relationship managers, offering top-ups, repayment holidays, and penalty-free early settlement.
Funding Circle
Originally the UK's largest P2P lender; now a digital-first direct lender backed by institutional capital.
Funding Options
Now a Tide company; a leading marketplace using Open Banking to bridge the gap between banks and alt-lenders.
Grenke
A global financial services group and commercial lender specialising in B2B invoice factoring for SMEs in the UK. Other facilities are available in the EU, but not in the UK currently
Growth Lending
Structured debt for asset-light tech firms.
Haydock Finance
One of the largest independent asset finance companies in the UK; works primarily through brokers.
Investec Asset Finance
A specialist bank targeting professionals and mid-market companies with asset-backed solutions.
Iwoca
A fintech leader known for Credit Cards, Business Loans and iwocaPay which offers BNPL for clients, at checkout and and revolving credit lines for micro-businesses,
Johnson Reed
An un-bank-like approach, often funding aesthetic or specialised equipment banks consider high-risk.
Kingsley Asset Finance
An independent UK business lender established in 1995 offering hire purchase, finance leases, asset refinance, and unsecured professional practice loans. It uses flexible commercial underwriting to evaluate cases on merit, including older equipment and complex credits.
LIBERTY LEASING
Liberty Finance is an independent UK asset finance lender established in 2001 and structured as an Employee Ownership Trust. It provides hire purchase, finance leasing, and asset refinance across key sectors including commercial vehicles, agriculture, plant, and machinery.
Metro Bank (Business)
The UK's first new high-street bank in over 100 years. Help your business prosper with credit, loan, asset and invoice financing options.
Multifi
Multifi is a UK SME finance provider operating as a distributor of FCA regulated Electronic Money Institution Modulr FS Limited. It provides Flexi Credit, an unsecured revolving credit line ranging from £10,000 to £350,000 with transparent monthly interest and zero setup fees.
Nationwide finance
Nationwide Finance Limited is a direct UK commercial lender specializing in fixed-rate business loans and start-up financing for limited companies. Owned by Moneycore Asset Management Limited, it handles underwriting and funding in-house with terms from one to six years.
Novuna Business Finance
Formerly Hitachi Capital; a top-5 UK asset finance player.
Nucleus Commercial Finance
Modernising small and medium-sized enterprise (SME) funding by contrasting agile fintech capabilities with traditional, slow-moving high street banking
OakNorth Bank
Known for its Credit Intelligence software; bespoke loans for businesses too large for automated lending but too small for investment banks.
Oxbury Bank
The UK's only specialised agricultural bank.
Paragon Bank
Our expert teams can support your business at every stage to innovate, adapt and grow by seeking expansion capital.
PEAC
PEAC Solutions is an independent B2B asset finance provider owned by HPS Investment Partners LLC, offering equipment leasing, direct business finance, and vendor financing programs globally and across the UK.
Penny Freedom
A UK financial provider offering on demand selective invoice finance, spot factoring, and confidential invoice discounting for small businesses and sole traders.
Performance Finance
Provides finance such as lease, business/personal loans and hire purchase facilities for professionals.
Photolease Ltd
An independent asset finance lender specialising in equipment and vehicle leasing for SMEs and sole traders, with a particular focus on the creative industry. Photolease conducts manual underwriting without automated credit scoring, offering direct decision-making.
Playter
Playter is an unsecured SME lender and B2B Buy-Now-Pay-Later provider that offers short-term cashflow loans and payables credit facilities. Acquired by Shawbrook Bank Limited in 2025, it provides funding options up to £1,000,000 for UK businesses.
Praetura Asset Finance
Part of the Praetura Group; relationship-led, willing to look at complex assets.
Propel Finance
Newport-based independent asset finance lender, 30 years trading, over 50,000 SMEs funded. Named fastest growing UK asset finance lender in the Asset Finance UK 50 (2022, 2023). Lender behind Barclays Business Banking and Santander asset finance referrals; also partners with Azets and major technology resellers.
Pulse Finance Ltd
An independent provider focusing on simplicity and transparency in invoice finance.
Quantum Funding
Quantum Funding is a specialist UK asset finance lender and subsidiary of Investec Bank Plc. It operates primarily through a network of commercial finance brokers to provide equipment finance and loans to SMEs.
Renaissance Asset Finance
A subsidiary of Arbuthnot Latham; boutique service with specialist asset valuation.
Revolve
A UK business finance provider specialising in revolving working capital facilities, trade finance, stock funding, and VAT loans. Acquired by iO Finance Group in 2025, it was formerly known as Seneca Trade Partners.
SAPI
SAPI is an embedded finance provider offering payment-linked advances and revenue-based financing. Repayments are automatically collected as a fixed share of daily sales directly at source.
Siemens Financial Services
Finance solutions and flexible payment options to let businesses and organisations acquire the assets or capital they need without disrupting cash flow or relying on traditional lines of credit.
Sigma Lending
A UK business finance provider offering unsecured small business loans between £5,000 and £250,000. It provides fast funding decisions and same day disbursement to established limited companies.
Simply Funded
Simply Funded is a trading name of Morley Capital Ltd, a UK direct lender offering unsecured business loans ranging from £5,000 to £500,000. It provides rapid decisions based on Open Banking and business cash flow rather than relying solely on credit scores.
Skipton Business Finance
A subsidiary of Skipton Building Society; human-led invoice discounting.
Sonovate
Combines invoice finance with a platform to manage contractor payments.
Starling Bank
An independent UK digital challenger bank offering business current accounts, payment services, and partner business loans. Proprietary business loans and overdrafts are currently paused for new applicants, with lending fulfilled via marketplace partner iwoca.
Swift Fund
A UK business finance provider specializing in short term unsecured merchant cash advances and working capital advances. It offers rapid funding approvals with repayments structured as automatic deductions from card sales or daily direct debits.
TOWER LEASING
Founded in 1989, Tower Leasing is an asset finance funder and credit broker providing equipment leasing, business loans, and alternative funding to UK businesses. It combines own-book lending capabilities with access to an extensive panel of third-party funders.
Triodos Bank
A leader in sustainable banking financing projects with positive impact.
Triver
Triver is a UK fintech providing digital invoice advance facilities known as Cashflow Streaming. It operates as lender of record, offering automated risk assessment and instant funding for B2B invoices via direct, broker and embedded partner channels.
Ultimate Finance
An agile independent lender owned by the Tavistock Group.
Uncapped
A European pioneer in revenue-based finance. Here at Uncapped, we believe founders shouldn’t have to give away ownership of their company to fund growth. That’s why we provide no-equity investments from £100k - £2 million to founders and companies who are changing the world.
UNITED TRUST BANK
For more than 65 years, United Trust Bank have been partnering with individuals and intermediaries to provide expert lending solutions. At United Trust Bank, we believe that people achieve more together than alone. That’s why we’re dedicated to building great relationships, offering tailored solutions, and providing our clients and broker partners with the support they need to go further. This was true when we first opened our doors, and it’s still our approach today.
White Oak
Short-term cashflow, investing in infrastructure, or kickstarting your next chapter, we have got a solution that can support your business. Need it business funding fast? We turn around most lending decisions within 24 hours.
YouLend
A major embedded finance player powering funding tools for payment processors.