Funding Guide

Minimum Revenue Requirements for Business Funding UK

Which lenders accept lowest revenue? iwoca (£3k/month - best), YouLend (£8k), 365 Finance (£10k). Full breakdown by provider with approval rates for your business growth.

£3k

iwoca min

£8k

YouLend min

£10k

365 Finance min

75%+

Approval rate

Minimum Revenue by Lender

iwoca

LOWEST

Approval rate: 75-80%

£3,000/month

Fund Ourselves

Approval rate: 70-75%

£5,000/month

YouLend

Approval rate: 75-80%

£8,000/month

365 Finance

Approval rate: 70-80%

£10,000/month

Capify

Approval rate: 65-75%

£15,000/month

Options by Your Monthly Revenue

Under £3,000/month

MCA options:

None (all lenders decline)

Alternatives:

Business overdraft, Start Up Loan, personal loan

Best strategy:

Wait until revenue reaches £3k, then apply to iwoca

£3,000-£8,000/month

MCA options:

Only option: iwoca (£3k minimum)

Typical approval:

75-80% if 6+ months trading

Typical amount:

£5k-£40k

Factor rate:

1.15-1.30x

£8,000-£10,000/month

MCA options:

iwoca or YouLend

Best choice:

iwoca (better rates 1.08x vs 1.10x)

Exception:

Heavy e-commerce? YouLend's integration may justify higher rate

£10,000-£15,000/month

MCA options:

iwoca, YouLend, 365 Finance

Typical amount:

£10k-£80k typical

Best choice:

iwoca (rates) or 365 Finance (if hospitality)

£15,000+/month

MCA options:

All lenders available

Typical amount:

Up to £500k depending on lender

Best choice:

Compare 4-5, choose lowest rate

What If Lender Minimum Is Higher Than Your Revenue?

Example: You have £7k/month, YouLend requires £8k.

Option 1

Apply to iwoca instead

£3k minimum (you qualify)

Option 2

Wait 1-2 months

Grow revenue to £8k, then apply to YouLend

Option 3

Show higher revenue

If you have £9k in your best month, some lenders consider peak revenue

Conclusion

iwoca accepts the lowest revenue (£3k/month) making them the only option for smaller businesses. YouLend (£8k), 365 Finance (£10k), and Capify (£15k) exclude progressively more businesses.

If your revenue is under £10k/month: iwoca is your best (and often only) MCA option for business growth.

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Frequently Asked Questions

What is the minimum revenue for business funding?

Minimum revenue varies by lender. iwoca accepts £3k/month (lowest), YouLend requires £8k, 365 Finance needs £10k, and Capify requires £15k/month. If your revenue is under £10k, iwoca is often your only MCA option.

Can I get funding if my revenue is below the minimum?

You have options: apply to lenders with lower minimums (iwoca at £3k), wait 1-2 months to grow revenue to the threshold, or show peak revenue if you have higher months. Some lenders consider your best month's revenue.

What if I have £7k/month but YouLend requires £8k?

Apply to iwoca instead (£3k minimum - you qualify). Alternatively, wait 1-2 months to grow revenue to £8k, or show higher revenue if you have £9k in your best month (some lenders consider peak revenue).