How to Get Business Funding UK (2025)

Quick Answer

The most accessible way to get business funding in the UK is through Merchant Cash Advance (MCA). Perfect for growth: stock expansion, equipment upgrades, or marketing campaigns. £3,000-£500,000 available. 90% approval rate, based on your business performance not credit score.

5 Ways to Get Business Funding UK

Merchant Cash Advance

Most Accessible - 90% Approval

Amount: £3,000-£500,000
Process: Simple application, decision within 24 hours
Requirements: 3+ months trading, £3k+/month card sales
Approval rate: 90%
Best for: Retail, hospitality, any card-taking business

Invoice Finance

24-Hour Funding

Amount: £10,000-£5M
Speed: 24 hours
Requirements: B2B business with outstanding invoices
Best for: Manufacturers, wholesalers, professional services

Bank Term Loan

4-8 Weeks

Amount: £25,000-£2M
Speed: 4-8 weeks
Requirements: 2+ years trading, good credit, often collateral
Approval rate: 62%
Best for: Established businesses with perfect credit

Business Overdraft

1-2 Weeks

Amount: £1,000-£100,000
Speed: 1-2 weeks
Best for: Short-term cash flow management

Government Schemes

4-12 Weeks

Start Up Loans: £500-£25,000
British Business Bank schemes
Long application process but favorable rates

Step-by-Step: How to Get Business Funding

Calculate How Much You Need

Be specific. "£30,000 for stock purchase before Christmas" is better than "some working capital."

Use our funding calculator

Check Your Eligibility

MCA: Need £3k+/month in card sales
Invoice Finance: Need £10k+ in outstanding invoices
Bank Loan: Need 2+ years trading, good credit

Gather Documents

For MCA (minimal requirements):

3-12 months bank statements showing card sales
Director ID (passport/driving license)
Business registration details

Apply (10 Minutes Online)

Use a broker like us to compare multiple providers with one application. You get a competitive quote and choose the best rate.

Get Decision (24 Hours for MCA)

Providers review your card sales history and make instant decision. 90% of applications approved same day.

Receive Funding (24-48 Hours)

Money transferred directly to your business bank account. Use immediately for whatever your business needs.

Ready to Fuel Your Business Growth?

Get matched with the right funding for your expansion plans

90% approval rate • £3k-£500k available • Flexible repayment options

Get Your Funding Quote Takes just 2 minutes

Frequently Asked Questions

What is the most accessible way to get business funding UK?

Merchant Cash Advance has the highest approval rate at 90%. Based on your business performance, not credit score. Requires minimal paperwork (just bank statements) and soft credit checks only. Perfect for growth and expansion.

How much funding can I get?

Depends on your monthly turnover. MCA: 1-2x monthly card sales (£3k-£500k). Invoice Finance: 80% of outstanding invoices (£10k-£5M). Bank loans: varies by credit and collateral.