How Much Business Funding Can I Get?

Funding Amount by Business Type

Factors That Increase Your Funding Amount

What the panel supports at each size

The multiples above describe how a card advance is sized. The other half of the answer is how many lenders are even in the room at the amount you want, because a figure nobody funds is not a figure. On our panel, 30 lenders have an unsecured product covering £10,000, 47 cover £50,000, 45 cover £100,000 and 35 cover £250,000. Secured lending runs the other way at the small end: only 5 lenders have a secured product at £10,000, because the legal cost of taking a charge does not pay for itself on a small loan.

Term moves with size too. Unsecured products at £10,000 run to 60 months on the panel and at £100,000 to 120 months, while secured products stretch to 360 months because a charge over property supports a schedule an unsecured lender would never write. Product ceilings across the whole panel span £1,000 to £20 million unsecured and £1,000 to £50 million on asset finance. All of these figures were checked September 2026 and describe products rather than offers; panel composition changes over time.

Each product answers the question differently

A merchant cash advance is sized on card takings, commonly 50 to 150 percent of a month's sales, and repaid over six to twelve months as a percentage of what comes through the terminal. Invoice finance is sized on the ledger: a business turning over £300,000 a year on 45-day terms carries roughly £37,000 of unpaid invoices at any moment, and at an 85 percent advance that is about £31,000 available, less anything the funder excludes for age, dispute or customer concentration. Asset finance is sized on the asset and the deposit, which is why it is the one product where the amount is decided before the application starts.

Term lending is the odd one out, because it is sized on affordability rather than on a single number the lender can see. An unsecured lender is asking whether the business can carry the instalment out of trading profit after everything it already owes, so existing borrowing reduces the figure more sharply here than on any of the others. A business with a card advance running will commonly be offered less on a term loan than its turnover alone would suggest, which is the arithmetic behind refinancing rather than adding.

We arrange finance for UK limited companies, LLPs, sole traders and partnerships through the lenders whose criteria fit the amount, the product and the trading history, and we say which of them can realistically cover the figure before anything is submitted. Enquiring does not affect your credit score. This page is general information, not advice, and every amount here is a guide rather than a quote.