Our Lenders
Adam and Company is a trading division of The Royal Bank of Scotland plc catering for the needs of private bank customers based in the United Kingdom. It offers a range of private banking services including discretionary investment management and financial planning services to high net worth clients in the UK.More info
Allied Irish Banks, p.l.c. is one of the so-called Big Four commercial banks in Ireland. AIB offers a full range of personal and corporate banking services. AIB Capital Markets is the division of the company that offers international banking and treasury operations.More info
Aldermore Bank provides financing to support UK small and medium sized enterprises (SMEs), and supports investors and homebuyers with mortgage finance, while offering a dynamic online savings proposition. They serve their customers and intermediary partners online, by phone, and face to face through eight offices in the UK. Established in 2009, Aldermore has grown significantly. In March 2018, Aldermore Group became part of FirstRand Group, the largest financial services group in Africa by market capitalisation. At the end of December 2019, Aldermore Group lending to customers stood at £12.0bn.More info
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.
More info
Bank of Ireland UK provide simple, flexible, financial services to UK customers both directly and through partnerships with well-known UK brands.
The Bank of Scotland plc is a commercial and clearing bank based in Edinburgh, Scotland. With a history dating to the 17th century, it is the fifth-oldest extant bank in the United Kingdom, and is the only commercial institution created by the Parliament of Scotland to remain in existence.More info
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.
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.
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.
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.
More info
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.
More info
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.
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.
More info
Clydesdale and Yorkshire Banks are committed to supporting successful and ambitious SMEs meet their growth objectives, both domestically and in export markets. The Banks’ team of experienced relationship managers, many of whom specialise in particular sectors and operate from a UK-wide network of Business and Private Banking Centres, are on hand to provide tailored finance solutions. Clydesdale and Yorkshire Banks were the first to partner with the British Business Bank to deliver its ENABLE Guarantees scheme. Under the agreement, the Banks will provide up to £125m of new lending to SMEs from across the UK which will be available via a number of funding packages. As part of Clydesdale and Yorkshire Banks’ ongoing commitment to growing small businesses, the Banks also support the Enterprise Finance Guarantee scheme. Loans of up to £1.2m are available to businesses, with 75% of the balance being guaranteed by the Department of Business, Innovation and Skills and the borrower remaining liable for 100%. The scheme not only applies to new loans but can also be used to restructure existing overdraft balances held with the Banks. This allows additional working capital to be freed up, while also maintaining an overdraft of an equivalent or reduced level. Applications are welcomed from new and established UK businesses with a turnover of up to £41m looking to borrow between £25,000 and £1.2m. Repayment periods of up to 10 and five years are available for sums up to £600,000 and £1.2m respectively.More info
Compass Business Finance is an independent company specialising in the provision of asset-based finance to the print, packaging and engineering sectors. Compass have seen year-on-year growth since they were established in 2005, by brothers, Mark and Jamie Nelson. Working with a wide range of companies, Compass guide their clients through the financial decision-making landscape. They are committed to providing a consistent service and complete peace of mind, through ongoing business relationships. Compass Business Finance is a member of the Finance and Leasing Association.More info
COUNTY FINANCE GROUP is an independent finance house that lends its own money. We are NOT brokers or intermediaries, we are NOT part of a huge conglomerate and do NOT have a call centre. We ARE very experienced in what we do, and we ARE passionate about creating a long term relationship with our customers.More info
Coutts Commercial bank serves the businesses of private banking clients of Coutts. With particular specialism in key areas for its private clients, such as Media, Film & TV, and Commercial Real Estate, the bank offers a wide range of specialist banking services.More info
Cynergy Bank, previously known as Bank of Cyprus UK, has provided services to business customers in the UK since 1955. It was rebranded as Cynergy Bank in December 2018 following the acquisition of Bank of Cyprus UK by Cynergy Capital Limited.More info
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.
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.
More info
DSL Business Finance is a not for profit lender pledging funds to ambitious small to medium sized businesses throughout Scotland. Amongst others, DSL’s multi-purpose loans are accessible to: Entrepreneurs in the Highlands to expanding businesses in the Scottish Borders Business start-ups in Edinburgh to Social Enterprises in Glasgow Marketing growth programmes inspiring the widest social impact on Scotland’s economy Businesses needing short-term help to cover day-to-day operations Since 1993, through over £8 million of loan funding, DSL Business Finance has helped over 800 businesses safeguard over 1200 jobs.More info
Established in 2004, Enterprise Answers is a local, independent organisation, providing a range of funding to businesses across the North, predominantly in Cumbria, Lancashire, Northumbria, County Durham and surrounding areas. Funding is available from £10,000 up to £100,000 for a variety of business needs including start-ups, expansions, equipment and premises.More info
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.
More info
Finance For Enterprise is a not for profit company limited by guarantee which has been established for 30 years and provides loan funding and advice to new start, early stage and established businesses across South Yorkshire, the North Midlands and Mid/North Lincolnshire. We are a Responsible Finance provider acting as an alternative source of loan finance for viable businesses unable to access mainstream funds and can also act as a gap funder as part of a wider finance package. Applicants with weak credit reports (either for the business or the owner) may also be considered. Loans are available up to £150,000 which can be used for working capital to provide improved liquidity or to support growth and development projects and asset purchase. All sectors are eligible and loans are available to sole traders, partnerships, limited companies and limited liability partnerships. Finance For Enterprise offer the Term Loan variant.More info
First Enterprise are a responsible finance provider in the East Midlands and South East Midlands. First Enterprise strives to create funding routes and support for businesses and entrepreneurs who may not be able to access funding through traditional methods. First Enterprise offer the Term Loan variant.More info
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.
More info
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.
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.
More info
Furlough Finance is a financial service product developed to respond to the demand of UK companies companies during the COVID-19 Crisis. Part of Merchant Finance Ltd. Furlough Finance are official UK business loan service providers. Our UK underwriting team have years of both consumer and business finance lending expertise.More info
GC Business Finance is a leading not-for-profit alternative business finance provider. It prides itself on ensuring that businesses have access to the finance they need, through a wide range of products and embedded business support in the North West of England and across the UK. GC Business Finance (formerly Business Finance Solutions) was established in 2002 with a brief to provide professional and service-focused finance options for businesses that have been unable to obtain funding through a mainstream lender. Through growth and developing its finance offering, it provides term loans between six months and seven years together with access to equity funding to £2,000,000, and has now lent over £230m to 17,000 businesses across the UK through a variety of funds. These include the Northern Powerhouse Investment Fund, Start-Up Loans, Business Growth Loans and the Greater Manchester Export Fund. As the finance arm of The Growth Company, GC Business Finance works with thousands of ambitious businesses to help them to grow, thrive and create jobs. The Growth Company is a national-not-for-profit company, helping businesses, people and places to achieve transformational growth by boosting employment, skills, investment and enterprise for the benefit of all.More info
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.
More info
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
Investec offers distinctive banking services with a refreshingly human approach. 24/7 Client Service. Global Asset Manager. International Banking. Types: For Individuals, For Intermediaries, For Businesses.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.
More info
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.
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.
More info
Let’s Do Business Group is the leading provider of business advice, training, access to finance and business events in the South East. ABOUT THE LET’S DO BUSINESS GROUP Let’s Do Business Group works directly with businesses, and they also contract with a range of public and private sector partners to deliver projects and contacts – worth more than £10 million over the last 10 years. Whether you’re a start-up seeking finance and support to kick-start your new venture or an established business looking to scale-up and expand your services, they can help. Let’s Do Business Group is an accredited lender under the British Business Bank’s Enterprise Finance Guarantee and Start Up Loans programmes.More info
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.
More info
Lloyds Bank Commercial Banking provides comprehensive expert financial services to businesses of all sizes, from start-ups and small businesses to mid-sized businesses and multinational corporations.[/standfirst] Maintaining a network of relationship teams across the UK, as well as internationally, Lloyds Bank Commercial Banking delivers the mix of local understanding and global expertise necessary to provide long-term support to its clients. Lloyds Bank Commercial Banking offers a broad range of finance beyond term lending and this spans import and export trade finance, structured and asset finance, securitisation facilities and capital market funding. Its product specialists provide bespoke financial services and solutions, including tailored cash management, international trade, treasury and risk management services. In 2014, Lloyds Bank Commercial Banking grew its net lending to SMEs by 5% year-on-year (or over £1 billion net) and has committed to grow lending to SMEs by £3 billion (net) by the end of 2017.More info
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.
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.
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.
More info
At Muse, we are on a mission to give back SMEs their financial control. We are a team of experienced and skilled business entrepreneurs who understand that, while financial management is essential to business success, it can distract you from you doing what you love. Muse empowers business owners with our free app, providing cash flow forecasting and a banking dashboard to show an amalgamated view of your business bank and card transactions. Once connected, you can access flexible invoice finance within 48 hours after submitting an application for funding. We don’t wait about!More info
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.
More info
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 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
Since 2006, Robert Owen Community Banking Fund has been providing ethical loans for local businesses, people and communities across Wales. Based in Newtown, Mid Wales, Robert Owen Community Banking has recently launched an enhanced range of ethical loans for businesses, individuals and communities across Wales. These business loans, ranging from £1k to £50k, are available to support a spectrum of local enterprises. They are a member of Responsible Finance. Their new EFG accreditation will enable ROCBF to increase still further their provision of finance to smaller businesses that might otherwise struggle to obtain the finance they need. They offer the Term Loans variant.More info
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.
More info
Santander UK is a large retail and commercial bank based in the UK and a wholly owned subsidiary of the major bank Banco Santander. They are a large customer-focused bank and have an established presence in the mortgage and savings market. Santander offer the Term Loan and Revolving Credit (Overdrafts) variants.More info
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.
More info
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
Skipton Business Finance Limited, founded in 2001, provides financial products ranging from Invoice Factoring, Invoice Discounting and our award-winning My White Label solution to UK businesses. We are also eligible lenders of the Government-backed Enterprise Finance Guarantee Scheme. Our solutions offer businesses quick access to flexible funding allowing client to conduct their everyday business without the strain of cashflow issues.
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.
More info
At Starling, we understand this is a difficult time to be running a business and we’re doing everything we can to help our customers. As always, you can manage your finances from the Starling app, and our customer support team is here for you 24/7. You can get in touch with them via phone, email or in-app chat.More info
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
SWIG Finance provides business loans to the South West. We can say yes when the banks say no. Operating for more than 25 years, SWIG Finance is a not-for-profit organisation delivering loan finance across the South West region to small and medium sized enterprises which cannot access sufficient funding from the banks. We can work alongside the banks and other funders to ensure our clients have the finance they need for the success of their business.More info
Our commercial banking customers include a wide cross-section of businesses and organisations, across a broad range of sectors, who have a turnover typically above £1m per annum. We have a range of products and services that could help you effectively manage your long-term banking needs through all stages of the business life cycle along with the day-to-day activity.More info
TSB provides local banking for Britain to help local people, businesses and communities to thrive together. TSB occupies a unique market position in British retail banking as a UK-only values-led challenger brand with over 200 years of heritage, the capabilities of a large established bank, including comprehensive distribution and product capability, and the high growth potential of a challenger bank. TSB has over 5 million customers and comprehensive product and distribution capability, including around 500 branches.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.
More info
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.
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.
More info
Yorkshire Bank is a trading name used by Clydesdale Bank plc for its retail banking operations in England. Yorkshire Bank was founded in 1859 as the West Riding Penny Savings Bank and adopted its present name in 1959.More info
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