Business Funding Manchester 2025
Complete guide to funding for Manchester businesses. National lenders (iwoca, YouLend, 365 Finance) plus local Manchester options. £3k-£500k, 24-48hr approval.
Best Lenders for Manchester Businesses
1. iwoca (National - Best Rates)
Manchester businesses love iwoca: 1.08-1.25x rates, £3k minimum, 24hr approval. Funds 500+ Manchester SMEs.
2. YouLend (E-commerce Manchester)
Strong in Manchester's thriving e-commerce scene. Integrates with online stores, 1.10-1.35x rates.
3. 365 Finance (Manchester Hospitality)
Funds 100+ Manchester restaurants, pubs, hotels. Same-day approval, understands Northern Quarter hospitality cash flow.
Manchester-Specific Funding
- Manchester Growth Fund: Grant/loan hybrid (limited availability)
- GMCA Business Growth Hub: Advice + signposting to lenders
- NatWest Manchester: Traditional bank (slow but cheaper if good credit)
Popular Manchester Business Types & Best Lender
- Northern Quarter restaurants: 365 Finance (hospitality specialists)
- E-commerce/tech: YouLend or iwoca
- Retail (Trafford Centre, Arndale): iwoca (best value)
- Hotels: 365 Finance or Funding Circle
Conclusion
Manchester businesses have same access as London - all national lenders fund Manchester SMEs. iwoca, YouLend, and 365 Finance all have Manchester customers and understand local market.