Independent Comparison — Updated 2026

Business Funding & Business Loans in the UK

Whether you need flexible revenue-based finance, a fixed-term business loan, or a revolving credit line — we've reviewed the top providers so you can make an informed decision.

Revenue-Based Finance

YouLend

YouLend offers flexible revenue-based funding for merchants, allowing you to access up to £2 million. Repayments are taken automatically as a small percentage of your card sales, meaning you pay back more when business is good and less when it's quiet.

£2M

Max Funding

4.8/5

Trustpilot

24hrs

Speed

Key Benefits

Borrow up to £2 million with flexible, revenue-based repayments
Repayments adjust automatically with your card turnover — no fixed monthly payments
Quick application with funding available in as little as 24 hours
No personal guarantees required and no impact on your credit score to apply
Trusted by major platforms including Amazon, Shopify, eBay and Dojo
Rated 'Excellent' on Trustpilot with a 4.8/5 score

Things to Consider

Only available to businesses that process card payments — cash-heavy businesses won't qualify
Total cost of funding can be higher than traditional term loans depending on repayment speed

Revenue-Based Finance

365 Finance

365 Finance specialises in revenue-based finance, providing flexible business funding from £10,000 to £400,000. You repay through a small percentage of your daily card transactions — so repayments flex with your income. Winner of the King's Award for Enterprise.

£10K–£400K

Funding Range

24hrs

Speed

King's 🏆

Award

Key Benefits

Flexible repayments linked directly to your card revenue — pay less when sales dip
One fixed, all-inclusive cost that never changes — no hidden fees or compounding interest
Funding can be delivered in as little as 24 hours after approval
No personal guarantees or security required against your assets
King's Award-winning company with dedicated UK-based support
Renew and top-up funding as your business grows

Things to Consider

Requires a minimum monthly card turnover (typically £10,000+) to qualify
Factor rates mean the total repayment amount is fixed upfront — you can't reduce cost by repaying early

Fixed-Term Business Loans

Funding Circle Business Loans

Funding Circle is one of the UK's leading small business lending platforms. They offer fixed-term loans from £10,000 to £750,000 with competitive annual rates starting from 6.9%. Apply online in 7 minutes, get a decision within an hour, and funds typically land in 48 hours.

6.9%

Rates From

£750K

Max Loan

1 Hour

Decision

Key Benefits

Borrow between £10,000 and £750,000 with fixed monthly repayments for easy budgeting
Competitive rates from 6.9% per year — among the lowest in the market
Apply online in just 7 minutes with a decision in as little as 1 hour
No early repayment fees — settle your loan ahead of schedule at no extra cost
Accredited by the British Business Bank and part of the Growth Guarantee Scheme
Over 16,700 Trustpilot reviews with an 'Excellent' rating

Things to Consider

Only available to limited companies — sole traders and partnerships are not eligible
Typically requires at least 2 years of trading history and minimum annual revenue thresholds

Revolving Credit Line

Funding Circle FlexiPay

FlexiPay from Funding Circle is a flexible credit facility that gives you up to £250,000 to spread business costs into manageable instalments. Use it to pay suppliers, bills, or stock via card, bank transfer, or directly into your account — with a flat fee from just 1.99% per use.

£250K

Credit Limit

1.99%

Fee From

Free

Setup

Key Benefits

Up to £250,000 revolving credit limit — draw down only what you need, when you need it
Simple, transparent flat fee from 1.99% per use — no interest or hidden charges
Pay early and waive remaining instalment fees to save money
Multiple payment methods: virtual card, bank transfer, or direct to your account
No foreign exchange fees — ideal for businesses with international suppliers
Free to set up with a credit decision in just 3 minutes

Things to Consider

Only available to UK limited companies — sole traders cannot apply
Flat fees per use can add up if you frequently draw small amounts over short periods

Loan Marketplace

Tide Business Loans

Tide has partnered with Funding Options to create the UK's largest credit marketplace. Compare business loans and finance options from over 80 lenders in one place. Borrow from £1,000 to £20 million — whether you need a startup loan, asset finance, or invoice funding.

80+

Lenders

£20M

Max Amount

4.4/5

Trustpilot

Key Benefits

Access over 80 lenders through one simple application — widest choice in the UK market
Borrow from £1,000 to £20 million covering loans, asset finance, invoice finance and more
Check eligibility in minutes without affecting your credit score
If you're already a Tide member, apply directly within the Tide app for a seamless experience
Rated 'Excellent' on Trustpilot with over 33,000 reviews (4.4/5)
Dedicated support to help match you with the right lender for your needs

Things to Consider

Tide acts as a marketplace — final rates and terms depend on the individual lender you're matched with
The wide range of products can feel overwhelming if you're unsure which funding type suits your business

Not Sure Which Funding Option Is Right for You?

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