Compare Business Funding Providers
Side-by-side comparison of UK's top business funding providers. Find the best rates, terms, and fit for your business in 60 seconds.
5
Top Providers Compared
£1K-£3M
Funding Range
24hrs
Fastest Decision
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UK Business Funding Providers Compared
Comprehensive side-by-side comparison. All data verified October 2025. Filter by your needs to find the perfect match.
| Provider | Amount | Factor Rate | Approval | Personal Guarantee | Best For | Rating |
|---|---|---|---|---|---|---|
 YouLend | £5,000 - £500,000 | 1.10 - 1.35x | 24-48 hours | Required (not asset-based) | E-commerce businesses | 4.8(8952) |
 365 Finance | £3,000 - £500,000 | 1.15 - 1.40x | 24 hours | Required (not asset-based) | Restaurants and cafes | 4.8(865) |
 iwoca | £1,000 - £1,000,000 | 1.08 - 1.25x | 24 hours | Required (not asset-based) | Small businesses (£3k+ monthly revenue) | 4.8(10742) |
 Capify | £5,000 - £3,000,000 | 1.20 - 1.45x | 24-48 hours | Required (not asset-based) | Larger businesses (£15k+ monthly) | 4.1(780) |
 Funding Circle | £10,000 - £500,000 | Term loan - 6.9% APR+ | 3-5 days | Required (not asset-based) | Businesses wanting traditional loans | 4.6(16355) |
YouLend
4.8
Amount
£5,000 - £500,000
Factor Rate
1.10 - 1.35x
Approval
24-48 hours
Funding Speed
2-3 days
Personal Guarantee
Required (not asset-based)
Best For:
E-commerce businesses, Retailers with strong card sales, Amazon/eBay sellers, Businesses needing repeat funding
365 Finance
4.8
Amount
£3,000 - £500,000
Factor Rate
1.15 - 1.40x
Approval
24 hours
Funding Speed
1-2 days
Personal Guarantee
Required (not asset-based)
Best For:
Restaurants and cafes, Hotels and B&Bs, Pubs and bars, Hospitality businesses
iwoca
4.8
Amount
£1,000 - £1,000,000
Factor Rate
1.08 - 1.25x
Approval
24 hours
Funding Speed
24 hours
Personal Guarantee
Required (not asset-based)
Best For:
Small businesses (£3k+ monthly revenue), Businesses wanting flexibility, E-commerce and retail, Those seeking lowest rates
Capify
4.1
Amount
£5,000 - £3,000,000
Factor Rate
1.20 - 1.45x
Approval
24-48 hours
Funding Speed
3-5 days
Personal Guarantee
Required (not asset-based)
Best For:
Larger businesses (£15k+ monthly), Established businesses needing larger amounts, Businesses with some credit issues
Funding Circle
4.6
Amount
£10,000 - £500,000
Factor Rate
Term loan - 6.9% APR+
Approval
3-5 days
Funding Speed
5-7 days
Personal Guarantee
Required (not asset-based)
Best For:
Businesses wanting traditional loans, Lower cost financing, Businesses with good credit, Fixed monthly budget planning
Detailed Provider Comparison
YouLend
4.8/5(8952 reviews)
Funding Amount
£5,000 - £500,000
Speed
Decision: 24-48 hours
Funds: 2-3 days
Personal Guarantee
Required (not asset-based)
Advantages
- Fast approval and funding
- E-commerce platform integration
- Flexible repayment (varies with sales)
- No fixed monthly payments
- Multiple funding rounds available
- Unsecured - no property at risk
Disadvantages
- Higher cost than traditional loans
- Factor rates can be 1.3-1.35x for newer businesses
- Requires consistent sales data
- Personal guarantee required
Minimum Requirements:
Monthly Revenue: £8,000
Time Trading: 3 months
Repayment: 5-20% of daily sales
Ideal For:
E-commerce businessesRetailers with strong card salesAmazon/eBay sellersBusinesses needing repeat funding
Customer Reviews:
4.8(8,952 reviews)
onTrustpilot
Click to read reviews on Trustpilot →
365 Finance
4.8/5(865 reviews)
Funding Amount
£3,000 - £500,000
Speed
Decision: 24 hours
Funds: 1-2 days
Personal Guarantee
Required (not asset-based)
Advantages
- Very fast decisions (same day possible)
- Specialist in hospitality sector
- Dedicated account managers
- No early repayment penalties
- Transparent pricing
- Unsecured - no property at risk
Disadvantages
- Higher minimum revenue required
- Personal guarantee required
- Longer trading history required
Minimum Requirements:
Monthly Revenue: £10,000
Time Trading: 6 months
Repayment: 10-20% of daily card sales
Ideal For:
Restaurants and cafesHotels and B&BsPubs and barsHospitality businesses
Customer Reviews:
4.8(865 reviews)
onTrustpilot
Click to read reviews on Trustpilot →
iwoca
4.8/5(10742 reviews)
Funding Amount
£1,000 - £1,000,000
Speed
Decision: 24 hours
Funds: 24 hours
Personal Guarantee
Required (not asset-based)
Advantages
- Lowest factor rates available
- Very flexible - choose repayment type
- Open banking integration
- Excellent Trustpilot rating
- FCA authorized lender
- Unsecured - no property at risk
Disadvantages
- May require more documentation
- Limited for very new businesses
- Personal guarantee required
Minimum Requirements:
Monthly Revenue: £3,000
Time Trading: 6 months
Repayment: Fixed weekly or % of sales
Ideal For:
Small businesses (£3k+ monthly revenue)Businesses wanting flexibilityE-commerce and retailThose seeking lowest rates
Customer Reviews:
4.8(10,742 reviews)
onTrustpilot
Click to read reviews on Trustpilot →
Capify
4.1/5(780 reviews)
Funding Amount
£5,000 - £3,000,000
Speed
Decision: 24-48 hours
Funds: 3-5 days
Personal Guarantee
Required (not asset-based)
Advantages
- Higher funding amounts available
- Established lender (15+ years)
- Works with challenged credit
- Multiple funding products
- Unsecured - no property at risk
Disadvantages
- Personal guarantee required
- Higher factor rates
- Higher minimum revenue requirement
Minimum Requirements:
Monthly Revenue: £15,000
Time Trading: 12 months
Repayment: 8-15% of daily sales
Ideal For:
Larger businesses (£15k+ monthly)Established businesses needing larger amountsBusinesses with some credit issues
Customer Reviews:
4.1(780 reviews)
onTrustpilot
Click to read reviews on Trustpilot →
Funding Circle
4.6/5(16355 reviews)
Funding Amount
£10,000 - £500,000
Speed
Decision: 3-5 days
Funds: 5-7 days
Personal Guarantee
Required (not asset-based)
Advantages
- Traditional term loan structure
- Lower APR than MCA
- Transparent pricing
- FCA authorized
- Peer-to-peer model
- Unsecured - no property at risk
Disadvantages
- Slower than MCAs
- Personal guarantee required
- Fixed payments (less flexible)
- More stringent credit checks
Minimum Requirements:
Monthly Revenue: £10,000
Time Trading: 12 months
Repayment: Fixed monthly payments
Ideal For:
Businesses wanting traditional loansLower cost financingBusinesses with good creditFixed monthly budget planning
Customer Reviews:
4.6(16,355 reviews)
onTrustpilot
Click to read reviews on Trustpilot →
Popular Head-to-Head Comparisons
See detailed side-by-side breakdowns of the most compared providers
YouLend vs 365 Finance
YouLend (for e-commerce)
Better e-commerce integration, slightly lower rates
Read Full Comparison
YouLend vs iwoca
iwoca (for small businesses)
Lower minimum revenue, better rates, no PG under £50k
Read Full Comparison
365 Finance vs iwoca
Depends on industry
365 better for hospitality, iwoca better for retail
Read Full Comparison
MCA vs Traditional Loan
Depends on credit & speed needs
MCA faster, loan cheaper long-term
Read Full Comparison
How to Choose the Right Provider
1. Start with Your Industry
- E-commerce? → YouLend or iwoca (best platform integrations)
- Restaurant/Hospitality? → 365 Finance (industry specialists)
- Retail? → iwoca (flexible, low minimums)
- Need large amounts? → Capify or Funding Circle
2. Understand Personal Guarantees
- All providers require a personal guarantee → Directors are personally liable
- BUT: These are NOT asset-based → Your home/property is NOT used as security
- Unsecured funding → No collateral required, just director guarantee
- Lower risk than secured loans → Property remains protected
3. Speed vs Cost Trade-off
- Need money TODAY? → 365 Finance (fastest) or iwoca (24 hours)
- Want lowest cost? → Funding Circle (traditional loan, lower APR)
- Want best balance? → iwoca (fast + competitive rates)
4. Monthly Revenue Requirements
- Under £5k/month? → iwoca (£3k minimum)
- £5k-£15k/month? → YouLend or iwoca
- £15k+/month? → Any provider (more options)
Disclaimer: All comparison information verified from lender websites as of December 2025. Funding amounts confirmed from official lender homepages. Factor rates, approval times, and minimum requirements are indicative and may vary based on your individual application. Exact terms, rates, and eligibility requirements are subject to lender assessment and approval. All lenders require personal guarantees (not asset-based). Contact us for personalized quotes and the most current information.
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