Business Funding London 2025
Complete London business funding guide. iwoca, YouLend, 365 Finance serve 5,000+ London SMEs. £3k-£500k available. Fast approval for startups and scale-ups.
Best London Business Funding
1. iwoca - Most London SMEs
2,000+ London businesses funded. Best rates (1.08-1.25x), £3k minimum. Popular in Shoreditch tech scene, West End retail, East London hospitality.
2. YouLend - London E-commerce
Strong in London's e-commerce sector. 1,000+ London online retailers funded. Integrates with Shopify stores common in London.
3. 365 Finance - London Hospitality
Funds 800+ London restaurants, pubs, hotels. Understands West End rent pressures, tourist seasonality, weekend peaks.
London-Specific Challenges
- High rents: London businesses need more working capital than regional
- Higher costs: Staff, rates, utilities all premium in London
- Seasonal tourism: Westminster, Covent Garden businesses have tourist seasonality
Best Lender by London Area
- Shoreditch/Tech City: YouLend (e-commerce/tech focus)
- West End/Soho: 365 Finance (hospitality)
- East London: iwoca (best rates for mixed businesses)
- South London retail: iwoca or Liberis
Conclusion
London businesses have excellent funding access. All major lenders (iwoca, YouLend, 365) have significant London customer bases and understand London market dynamics.