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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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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Barclays is a transatlantic consumer, corporate and investment bank offering products and services across personal, corporate and investment banking, credit cards and wealth management, with a strong presence in our two home markets of the UK and the US.

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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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The Business Lending Exchange team has over 30 years' experience in business finance. We are passionate about helping small business owners find vital finance. We specialise in asset-based lending providing funding for new-start and small businesses.

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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 £50,000. 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

Cashplus is a leading specialist UK digital challenger to banks for small businesses. Offering faster, smarter, simpler banking services for the entrepreneurs, independent businesses and consumers that power the UK economy, yet are too often overlooked by high street banks.

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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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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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Funding Circle
We only do small business loans, so we've tailored our service to fit your needs. Apply online in just 10 minutes, you'll then get a dedicated Account Manager as your single point of contact and a decision in as little as 3 hours. No hassle, no business plans, just straightforward finance that works to your schedule.

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Genesis Asset Finance
At Genesis we understand that when you choose a finance provider you want to deal with people who recognise your business requirements, have experience of delivering tailored financial packages, and are prepared to be flexible in their thinking. Based just outside Manchester, with clients across England and Wales, we are an independent, family-run lender. Being family-run means that your requirements will be dealt with by an individual who has the flexibility to deliver the solution your specific business requires. We provide hire purchase, leasing and refinance facilities to companies looking to invest in equipment or raise cash from equipment they already own. We work with owner-managed businesses to support them survive, thrive and grow by providing finance. We fund businesses that don’t fit a generic ‘tick box’ model, that have a story to tell and just need someone to understand their situation.More info

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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inFund 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

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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Just Cashflow

We're your alternative to a bank overdraft or business loan. Just Cash Flow PLC is a responsible specialist lender to UK Businesses. We offer flexible funding solutions to businesses to help them manage cash flow. This means you can concentrate on running your business and not how you finance it. We work with you supporting your longer term funding challenges. And we lend our own funds. 

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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 MarketFinance 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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Merchant Money

Merchant Money a specialist provider of flexible funding to the UK SME market. Tailored facilities help small businesses to raise funding for stock purchases, refurbishments, cash flow management, or anything else that they require. Since launching in 2013, Merchant Money has helped countless small businesses grow. Merchant Money's ambition is to offer SMEs the funding they need in order to prosper. Combining technology with some good common sense, leads to a revolutionary approach to small business lending. Lending decisions are never definitive and it’s this personal touch that makes Merchant Money different.

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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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Optimum Finance
Optimum aims to stand apart from the crowd. It delivers creatively structured invoice finance facilities, in the fastest and easiest way possible, simplified for the client by using state of the art technology. No red tape, no bureaucracy, just rapid cash flow funding – made easy!More info
Rapid Cash
Rapid Cash is part of the Royal Bank of Scotland Group of companies and offers a modern line of credit unlocked by your unpaid invoices. This offers greater flexibility and automation than most traditional finance facilities. The Rapid Cash solution combines the simplicity of an overdraft with the flexibility of invoice finance. Rapid Cash syncs with your accountancy platform and generates a real-time credit limit based on the value of your eligible invoices. You choose which customers to borrow against and you only pay for the funds you draw on. Your available limit is adjusted as invoices are raised and paid. In addition, the Rapid Cash platform has two-way data sharing which makes reconciliation seamless. A customer pays an invoice into your Rapid Cash account and you'll see it appear in your accounting software instantly, no need for data entry or uploading invoices - saving you time to focus on running your business.More info
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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Simply Asset Finance
Simply is one of the fastest growing asset finance providers in the UK. It was set up in April 2017 in response to the need for disruption in the asset finance sector and the belief that customers deserve a better, faster, simpler, more efficient service.More info

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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Start Up Loans Company
We’re a subsidiary of the British Business Bank and deliver the Government’s Start Up Loans programme providing finance and support for businesses who struggle to access other forms of finance. We work with a national network of Delivery Partners who are based across England, Wales, Scotland and Northern Ireland. In addition to helping applicants prepare their business plan and cash flow forecast, our Delivery Partners are responsible for assessing final applications and providing ongoing mentoring support to successful applicants.More info

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

We’re here to help businesses get the finance they need with as little fuss as possible. We've eliminated unnecessary paperwork, policies, and processes from our business, so we can offer you fast, convenient business finance. We call it the flipside.

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YouLend's mission is simple: to help clients convert future card payments into cash today. YouLend give clients cash today, and collect the cash automatically whenever they have a surplus. The application process is just as simple and you can get a decision in less than 24 hours from a dedicated account manager – and your business can have funds in your account within 3-5 days. All sorts of businesses have benefited from YouLend, incl. seasonal businesses, businesses with thin credit files or without large assets for security. Because YouLend look at payment data and less on traditional bureau information, they are able to offer finance to >80% of businesses who apply, for almost any purpose.More info