Our Lenders

365 Business Finance

Fast, Flexible unsecured lending is what 365 Business Finance offers to business owners. A business or merchant cash advance is designed to help business owners deal with everything from unplanned expenses through to refurbishment and equipment purchases. Repayments are based on the debit and credit card transactions a business will process in any given month, and as such no pressure is placed on the cash flow of the business, but to qualify, a business must transact a minimum of £5000 through a card terminal.

The application process is simple and streamlined, with approvals in principle being communicated within 24 hours. No security or business plan is required to progress an application and 365 Business Finance has a 90% approval rate.

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Allied Irish Bank

Allied Irish Bank (GB) is a niche, sector focused business bank which specialises in delivering relationship driven service to medium to large sized businesses who typically turnover £10m and above.

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Aspire Money is a loan broker and not a lender, we have a panel of lenders that may be able to help you and we're dedicated to helping you find the right financing solution. We help you find a loan based on your individual circumstances Our decisions are quick and you could receive one within minutes and in some cases you may be paid the loan on the same day as your application.

Bank of Ireland

Bank of Ireland UK provide simple, flexible, financial services to UK customers both directly and through partnerships with well-known UK brands.

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BCRS Business Loans supports the growth of viable small and medium sized businesses in the West Midlands and environs that are struggling to access finance from traditional lenders. With a range of Business Loan Funds available, we provide loans from £10,000 to £150,000.
Small businesses are at the heart of what we do; we believe in what they do. Offering a relationship-based approach to lending, we are able to support local businesses and the communities they serve in ways that few other lenders can.

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Bibby Financial Services

Bibby Finance has provided over £483m to over 7 000 businesses across the United Kingdom. We have a long and successful record of partnering with all types of businesses, from small start-ups to big enterprises. Bibby finance can provide a wide range of funding solutions, from trade finance, to asset leasing to invoice finance. We provide a personalized service, designed precisely for the needs of your business.

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BlueZest’s highly experienced management team is a perfect marriage of lending specialists and technology experts. With a combined mortgage lending experience of well over 100 years, our team has oodles of financial services and technology experience and all believe that putting the customer at the forefront of decisions is the right way forward.More info
Boost Capital

Boost Capital is a leading provider of business financing solutions to growing businesses. Boost's parent company, Business Financial Services (BFS), was founded in the United States in 2002, and having proved a successful lending model there, expanded to the United Kingdom in 2012. Headquartered in Chelmsford, Essex, the staff at Boost Capital is dedicated to helping SMEs across the UK obtain the financing they need to grow their businesses.

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Capital on Tap

At Capital on Tap we provide small businesses with credit facilities up to £25, 000. Our flexible credit facility requires you to make a simple minimum payment once a month and you can repay as soon as you like or top-up during the life of your facility. You only pay interest for the funds you have drawn. Whether you need to pay a supplier, redecorate or simply require working capital, our flexible facility is here to help you grow your business.

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Lending directly from our own resources, we are staffed with friendly and knowledgeable industry experts, who ensure that we provide the most competitive, flexible and innovative funding solutions available. We focus on providing an individual service, by listening to our customers’ requirements and working with them, to provide precisely what they want. We work directly with all customers, be they a new start venture or a longer, more-established business and also with a growing number of partners, brokers, equipment suppliers and manufacturers.More info
Catalyst Business Finance

Catalyst can offer Selective Invoice Finance (sometimes also known as Single or Spot Invoice Finance) and Commercial Loans that are fast to access, simple to navigate and will leave your foot loose and contract free. It's called 'alternative finance' because instead of going to the big formal banks you come to us - a one on one team of experienced business professionals. 

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Coreco are an award winning professional mortgage brokerage based in London. Coreco specialise in all types of mortgages, whether you are looking for purchasing a new commercial property, re-financing an existing property, or require development finance. Coreco can also help first-time buyers, many-time movers, those looking for a large mortgage loan and Buy-To-Let landlords.


Danske Bank is the trading name of Northern Bank Limited, and is a wholly owned subsidiary of Danske Bank A/S, the largest bank in Denmark and one of the leading financial enterprises in northern Europe. The Bank is a full service retail bank operating mainly in Northern Ireland, and has had a presence in the Northern Irish community since it was first established early in the nineteenth century. This heritage, allied to a significant market share in both the personal and business sectors and a physical presence in the major cities and towns, makes it a brand with high levels of consumer awareness.

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Development Bank of Wales

The Development Bank of Wales helps businesses get the capital they need to start up, strengthen and grow. There’s funding available for businesses of every shape, size and stage. If you’re eligible and ready for investment, you have lots of options. We offer a range of finance including micro loans from £1,000 up to £50,000. We are flexible across sectors and can back your business whether it’s a start-up or established, secured or unsecured. We offer a fast-track service for loans up to £10,000 for businesses that have been trading for over two years with a decision made in two working days.

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Here at Esme our business is to support your business by offering simple, fast and fair lending when you need it. We created Esme because we believe that lending has become too complicated and too slow to support the needs of real people owning and operating real businesses.

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Fair Finance

Fair finance has been providing relationship-driven service to consumers and businesses since 2005. Loan decisions are only ever made by humans -- you'll never receive a 'computer-say-no' answer from us. We believe we offer some of the most competitive funding in the market, so we are always completely transparent on the costs of funding right from the outset. We're a social business -- that means we re-invest 100% of our profits for your benefit.

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First Trust Bank

First Trust Bank provides a range of retail, business and corporate banking services from retail outlets and business centres based throughout Northern Ireland. First Trust Bank is the Northern Ireland trading name of AIB Group (UK) plc, a subsidiary of Allied Irish Banks plc. The Allied Irish Banks plc group’s core banking markets are in the Republic of Ireland, Great Britain and Northern Ireland.

At First Trust Bank we can help you find a flexible solution to your working capital needs. We understand that through various life stages, including the growth and expansion of your business, you need help financially.

For your working capital requirements, aiding your business expansion, or cross-border trade, we want to help you achieve your business goals whether you're an emerging or existing business.

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We opened our doors for business at the beginning of 2014 and have made it our mission to provide small businesses with the sort of borrowing experience that's usually reserved for banks' big corporate clients. Flexibility is literally in our name; it's a high priority - whether it's making sure the client gets exactly what he/she needs, or different people in our business all pitching in to get things done. Additionally, our business is driven by transparency and personal relationships. We think they're essential elements for any lender.

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Formax Credit
Formax Credit’s mission is to help small and medium sized businesses (SME) obtain the capital they need to grow their company. We place a strong emphasis on affordability to ensure that all of our borrowers can grow their business sustainablyMore info
Freedom Finance

Freedom Finance is a trading style of Freedom Finance Limited registered in England and Wales. Company number 06297533. VAT Registration Number: 156032434. Freedom Finance Ltd is authorised and regulated by the Financial Conduct Authority. Firm registration number 662079. See www.fca.org.uk Registered office: Atlantic House, Atlas Business Park, Simonsway, Manchester, M22 5PR. Copyright © 2010–2017 Freedom Finance Limited. All rights reserved. Reproduction in whole or in part without permission is prohibited. Calls may be recorded for training and monitoring purposes.


GapCap aims to solve the common cash flow problem felt by SMEs. We achieve this by removing the time lag between when you raise an invoice and when you are actually paid by your customer. This gives you the short-term finance you need to grow. GapCap's selective invoice finance allows smart businesses to raise cash against their invoices in 24 hours without any of the drawbacks of a traditional invoice facility.

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At HSBC we could help your business grow with our range of credit and lending facilities. If you're a limited company, sole trader or partnership business, you can choose a fixed or variable business loan with repayment terms to suit you. The Flexible Business Loan can provide funding for a range of business needs including working capital, asset purchase or business expansion plans. Our Small Business Loans have fixed interest rates for lending between £1,000 and £25,000. 

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IF Lending UK
IF Lending is an established finance provider that supports SMEs through the provision of flexible and affordable short-term credit via a multi-drawdown facility. Our unique approach to assessing your business means we can offer facilities attuned to the day-to-day activity of it, rather than focusing on outdated filed accounts and without penalising you for not having collateral for security. We understand the needs of SMEs and we cater for those needs.More info

Investly provides single invoice financing to small businesses in the United Kingdom. We know that long payment terms are crippling for SMEs. So we allow SMEs to sell invoices to investors in as few as two days. Business owners can use Investly to finance one or many invoices -- there are no hidden fees and we don't tie businesses into long contracts.

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Invocap is here to offer financing that grows as you do. We are a group of professionals with backgrounds from some of the largest finance and technology institutions in the world and our mission is to make business financing simpler.

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iwoca offers a new type of credit facility for small businesses, allowing them to take advantage of opportunities previously only available to their larger peers. From placing larger stock orders to bridging cashflow gaps, we believe that access to finance is crucial to driving business growth. Chris and James founded iwoca in May 2012. Since then, iwoca has grown to a team of over 60 based in Central London. We have already lent over £400 million to businesses across Europe.

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Liberis has supported thousands of businesses with their simple, flexible and transparent funding. They understand small businesses and are dedicated to helping them throughout their growth cycle, which is why over 70% of applications are approved and 80% of Liberis customers choose to renew. Liberis are also proud to be supported by the UK Government-owned British Business Bank Investments, and to be the only recommended Business Cash Advance provider listed on Gov.uk.

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Lloyds Banking Group
Lloyds Banking Group is the leading provider of financial services to individual and business customers in the UK. Our main business activities are retail and commercial banking, general insurance, and long-term savings, protection and investment. We provide our services under a number of well-recognised brands including Lloyds Bank, Halifax, Bank of Scotland and Scottish Widows and through a range of distribution channels including the largest branch network and digital bank in the UK.

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At Marketinvoice we offer savvy growing businesses a new type of invoice finance. We help our clients access funds tied up in outstanding invoices, but we're not the invoice factoring you may know about. Businesses can sign up, sell an invoice and draw down funds all in the same day. There's no more need to wait 120 days for customers to pay. We are a dedicated group of tech-lovers and industry professionals with the common goal of providing fast, flexible finance with a minimum of fuss. To date we have helped businesses trade over £850m invoices to help UK businesses access working capital.

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Metro Bank

At Metro Bank SME Finance, our invoice finance and asset finance solutions put the customer at the heart of everything we do. We offer unparalleled levels of service and convenience and are continually reinventing the rules of banking, making every effort to remove all stupid bank rules from our services. A champion of small businesses, we are passionate about providing Invoice Finance and Asset Finance services that make a difference. We have an unswerving belief in adding customer value and a never-ending goal to surprise and delight our customers.

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NatWest serves 14m customers in England and Wales, supporting them with their personal, private and business banking needs. We have loaned more to businesses than any other bank in the last year and over 1 billion log-ins to the app every year. Alongside a wide range of banking services, NatWest offers businesses specialist sector knowledge in areas such as manufacturing and technology.

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Royal Bank of Scotland

At Royal Bank of Scotland we're committed to supporting British businesses grow. Our Small Business Loans, variable rate and fixed rates loans can give your business the flexibility it needs. Borrow from £1,000 up to £35,000 at a fixed rate. You know how much you'll pay each month, allowing you to manage your cash flow in line with your plans. Terms ranging from one year, up to ten years. Suitable for most types of small to medium sized businesses- from sole traders to partnerships and limited companies.

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Our selective single invoice finance (aka “spot-factoring”) is provided through our credit control platform. We provide the benefits of factoring but you stay in control of the credit control and only pay for the finance that you use. Satago Invoice Finance is a confidential service and if you don’t finance any invoices then there is no charge.

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Spotcap offers fast, flexible and transparent finance, allowing you to focus on what matters – growing your business. We provide unsecured business loans up to £350k. Our application process is entirely online and can take as little as 15 minutes. No business plans or unnecessary paperwork needed.

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Startup Direct

Startup Direct is a delivery partner of the Governments Start Up Loans Scheme that provides up to £25k in start up funding for entrepreneurs wanting to start a business. In addition to the funding, we provide 12 months free mentoring and extensive support through regular workshops and events as well as numerous initiatives and discounts through our corporate partners. We are a not-for-profit organisation with offices in London, Birmingham and Liverpool. We are passionate about supporting our businesses to help you through your startup journey. We are developing an exciting range of startup initiatives designed to help and support you as you grow your business. More information on these can be found under our Support section.

Together Money

For more than 40 years, we've been going to great lengths to find financial solutions that meet our clients' individual needs. Over the years, our services diversified and our portfolio of brands expanded to reflect increasingly competitive markets and customers’ changing needs. Many brands serviced niche markets, giving us a wide range of innovative products.

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Thinking of buying new equipment for your business? Boost your finance with a business loan from Ulster Bank. We let you structure your repayments to suit your business needs and offer the flexibility to reduce your borrowing at any time during the term of your loan. Borrow from as little as £1,000. Maximum term available is 15 years.

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Ultimate Finance

We are an SME-friendly finance provider with ample funds to lend at competitive rates. Over the last 13 years we've developed a comprehensive range of innovative products which means we can help almost any business, no matter what the situation or industry, and tailor a solution that sits comfortably with their needs.

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White Oak UK

As the largest independent provider of finance to small businesses and the UK’s no.1 non-bank business lender on Feefo, we have a wealth of knowledge and strive for excellence in all we do. Strong values and customer-focused principles are at the heart of our business.

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