Large Business Funding Over £100k UK
Best funding for £100k-£500k: iwoca (best rates 1.15-1.25x), Capify (£100k-£500k specialist), Funding Circle (cheapest 7-12% APR). Personal guarantee usually required.
Best Providers for Large Amounts
1. iwoca (£100k-£500k)
- Factor: 1.15-1.25x (best MCA rates for large amounts)
- PG: Required over £50k
- Speed: 24-48 hours
- Best for: Fast large funding with competitive rates
2. Funding Circle (£100k-£500k)
- APR: 7-12% (cheapest option)
- PG: Required
- Speed: 5-7 days
- Best for: Lowest total cost if you can wait
3. Capify (£100k-£500k)
- Factor: 1.20-1.45x (higher cost)
- PG: Required
- Best for: If iwoca/YouLend decline large amount
Cost on £150k
- iwoca (1.20x): £180k total = £30k cost (20%)
- Funding Circle (9% APR): £163,740 total = £13,740 cost (9%)
- Capify (1.35x): £202,500 total = £52,500 cost (35%)
Personal Guarantee Requirements
For amounts over £100k, personal guarantee is almost always required by all lenders. This means your personal assets are at risk if business can't repay.
Conclusion
For large amounts (£100k+), consider Funding Circle first - 50-60% cheaper than MCAs. If need speed or declined, iwoca MCA is best (lower rates than Capify/YouLend).