Compare Business Funding Providers
Side-by-side comparison of UK's top business funding providers. Find the best rates, terms, and fit for your business in 60 seconds.
5
Top Providers Compared
£1K-£500K
Funding Range
24hrs
Fastest Decision
FREE
Comparison Service
UK Business Funding Providers Compared
Comprehensive side-by-side comparison. All data verified October 2025. Filter by your needs to find the perfect match.
| Provider | Amount | Factor Rate | Approval | Personal Guarantee | Best For | Rating |
|---|---|---|---|---|---|---|
 YouLend | £5,000 - £500,000 | 1.10 - 1.35x | 24-48 hours | Usually not required | E-commerce businesses | 4.3(1240) |
 365 Finance | £3,000 - £250,000 | 1.15 - 1.40x | 24 hours | Required for amounts over £50k | Restaurants and cafes | 4.5(890) |
 iwoca | £1,000 - £500,000 | 1.08 - 1.25x | 24 hours | Not required under £50k | Small businesses (£3k+ monthly revenue) | 4.7(3250) |
 Capify | £10,000 - £500,000 | 1.20 - 1.45x | 24-48 hours | Usually required | Larger businesses (£15k+ monthly) | 4.1(780) |
 Funding Circle | £10,000 - £500,000 | Term loan - 6.9% APR+ | 3-5 days | Required | Businesses wanting traditional loans | 4.2(2100) |
YouLend
4.3
Amount
£5,000 - £500,000
Factor Rate
1.10 - 1.35x
Approval
24-48 hours
Funding Speed
2-3 days
Personal Guarantee
Usually not required
Best For:
E-commerce businesses, Retailers with strong card sales, Amazon/eBay sellers, Businesses needing repeat funding
365 Finance
4.5
Amount
£3,000 - £250,000
Factor Rate
1.15 - 1.40x
Approval
24 hours
Funding Speed
1-2 days
Personal Guarantee
Required for amounts over £50k
Best For:
Restaurants and cafes, Hotels and B&Bs, Pubs and bars, Hospitality businesses
iwoca
4.7
Amount
£1,000 - £500,000
Factor Rate
1.08 - 1.25x
Approval
24 hours
Funding Speed
24 hours
Personal Guarantee
Not required under £50k
Best For:
Small businesses (£3k+ monthly revenue), Businesses wanting flexibility, E-commerce and retail, Businesses preferring no personal guarantee
Capify
4.1
Amount
£10,000 - £500,000
Factor Rate
1.20 - 1.45x
Approval
24-48 hours
Funding Speed
3-5 days
Personal Guarantee
Usually required
Best For:
Larger businesses (£15k+ monthly), Established businesses needing larger amounts, Businesses with some credit issues
Funding Circle
4.2
Amount
£10,000 - £500,000
Factor Rate
Term loan - 6.9% APR+
Approval
3-5 days
Funding Speed
5-7 days
Personal Guarantee
Required
Best For:
Businesses wanting traditional loans, Lower cost financing, Businesses with good credit, Fixed monthly budget planning
Detailed Provider Comparison
YouLend
4.3/5(1240 reviews)
Funding Amount
£5,000 - £500,000
Speed
Decision: 24-48 hours
Funds: 2-3 days
Personal Guarantee
Usually not required
Advantages
- Fast approval and funding
- E-commerce platform integration
- Flexible repayment (varies with sales)
- No fixed monthly payments
- Multiple funding rounds available
Disadvantages
- Higher cost than traditional loans
- Factor rates can be 1.3-1.35x for newer businesses
- Requires consistent sales data
Minimum Requirements:
Monthly Revenue: £8,000
Time Trading: 6 months
Repayment: 5-20% of daily sales
Ideal For:
E-commerce businessesRetailers with strong card salesAmazon/eBay sellersBusinesses needing repeat funding
365 Finance
4.5/5(890 reviews)
Funding Amount
£3,000 - £250,000
Speed
Decision: 24 hours
Funds: 1-2 days
Personal Guarantee
Required for amounts over £50k
Advantages
- Very fast decisions (same day possible)
- Specialist in hospitality sector
- Dedicated account managers
- No early repayment penalties
- Transparent pricing
Disadvantages
- Higher minimum revenue required
- Personal guarantee needed for larger amounts
- Longer trading history required
Minimum Requirements:
Monthly Revenue: £10,000
Time Trading: 9 months
Repayment: 10-20% of daily card sales
Ideal For:
Restaurants and cafesHotels and B&BsPubs and barsHospitality businesses
iwoca
4.7/5(3250 reviews)
Funding Amount
£1,000 - £500,000
Speed
Decision: 24 hours
Funds: 24 hours
Personal Guarantee
Not required under £50k
Advantages
- Lowest factor rates available
- Very flexible - choose repayment type
- Open banking integration
- No personal guarantee under £50k
- Excellent Trustpilot rating
- FCA authorized lender
Disadvantages
- May require more documentation
- Limited for very new businesses
Minimum Requirements:
Monthly Revenue: £3,000
Time Trading: 6 months
Repayment: Fixed weekly or % of sales
Ideal For:
Small businesses (£3k+ monthly revenue)Businesses wanting flexibilityE-commerce and retailBusinesses preferring no personal guarantee
Capify
4.1/5(780 reviews)
Funding Amount
£10,000 - £500,000
Speed
Decision: 24-48 hours
Funds: 3-5 days
Personal Guarantee
Usually required
Advantages
- Higher funding amounts available
- Established lender (15+ years)
- Works with challenged credit
- Multiple funding products
Disadvantages
- Personal guarantee usually required
- Higher factor rates
- Higher minimum revenue requirement
Minimum Requirements:
Monthly Revenue: £15,000
Time Trading: 12 months
Repayment: 8-15% of daily sales
Ideal For:
Larger businesses (£15k+ monthly)Established businesses needing larger amountsBusinesses with some credit issues
Funding Circle
4.2/5(2100 reviews)
Funding Amount
£10,000 - £500,000
Speed
Decision: 3-5 days
Funds: 5-7 days
Personal Guarantee
Required
Advantages
- Traditional term loan structure
- Lower APR than MCA
- Transparent pricing
- FCA authorized
- Peer-to-peer model
Disadvantages
- Slower than MCAs
- Personal guarantee required
- Fixed payments (less flexible)
- More stringent credit checks
Minimum Requirements:
Monthly Revenue: £10,000
Time Trading: 12 months
Repayment: Fixed monthly payments
Ideal For:
Businesses wanting traditional loansLower cost financingBusinesses with good creditFixed monthly budget planning
Popular Head-to-Head Comparisons
See detailed side-by-side breakdowns of the most compared providers
YouLend vs 365 Finance
YouLend (for e-commerce)
Better e-commerce integration, slightly lower rates
Read Full Comparison
YouLend vs iwoca
iwoca (for small businesses)
Lower minimum revenue, better rates, no PG under £50k
Read Full Comparison
365 Finance vs iwoca
Depends on industry
365 better for hospitality, iwoca better for retail
Read Full Comparison
MCA vs Traditional Loan
Depends on credit & speed needs
MCA faster, loan cheaper long-term
Read Full Comparison
How to Choose the Right Provider
1. Start with Your Industry
- E-commerce? → YouLend or iwoca (best platform integrations)
- Restaurant/Hospitality? → 365 Finance (industry specialists)
- Retail? → iwoca (flexible, low minimums)
- Need large amounts? → Capify or Funding Circle
2. Consider Personal Guarantee Requirements
- Want to avoid PG? → YouLend (usually not required) or iwoca (not required under £50k)
- Don't mind PG for better rates? → 365 Finance or Funding Circle
- Protecting personal assets? → Stick with no-PG options
3. Speed vs Cost Trade-off
- Need money TODAY? → 365 Finance (fastest) or iwoca (24 hours)
- Want lowest cost? → Funding Circle (traditional loan, lower APR)
- Want best balance? → iwoca (fast + competitive rates)
4. Monthly Revenue Requirements
- Under £5k/month? → iwoca (£3k minimum)
- £5k-£15k/month? → YouLend or iwoca
- £15k+/month? → Any provider (more options)
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