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.
Minimum Revenue by Lender
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
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
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
Options: iwoca, YouLend, 365 Finance
Best: iwoca (rates) or 365 Finance (if hospitality)
Amount: £10k-£80k typical
£15,000+/month
Options: All lenders available
Best: Compare 4-5, choose lowest rate
Amount: Up to £500k depending on lender
What If Lender Minimum Is Higher Than Your Revenue?
Example: You have £7k/month, YouLend requires £8k.
Options:
- Apply to iwoca instead: £3k minimum (you qualify)
- Wait 1-2 months: Grow revenue to £8k, then apply to YouLend
- 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.