Our Lenders

Who they are and the products they have to offer

Lloyds Bank Logo

Lloyds Bank

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. 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.

MarketFinance Logo


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 Logo

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.

Metro Bank Logo

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.

Muse Logo


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!

MyCashLine Logo


mycashline.co.uk: fairer finance for business. Redefining opportunities for SME’s in the UK & Europe is the reason we get up in the morning; offering all businesses, including long standing and start-ups access to short term finance of up to £50,000 and with zero early repayment fees. With access to AI & various data points the underwriting process is seamless where we aim to fund businesses within just 3 hours from application. We have been around since 2017 and have a strong liquidity basis and access to capital to offer finance to SME’s.

NatWest Logo


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.

Optimum Finance Logo

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!

Penny Logo


Penny offers a different approach to SME funding, specialising in on-demand selective invoice finance, through a unique online platform. Our mission is to give more businesses the power to control cash flow on their own terms. To this end, we have built Penny to be inclusive for all businesses, particularly those underserved by traditional lenders. We’re not interested in trading history, turnover and complicated financial forecasts. We just deliver real-time funding decisions and fast payments.

Rapid Cash Logo

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.

Reward Finance Group Logo

Reward Finance Group

Reward Finance Group, operating out of Leeds and Manchester, specialises in secured, asset-backed SME funding from £50k to £3m across England and Wales. Over the last 10 years Reward has built an excellent relationship for its speed, agility, decision making and dedicated relationship management, with the ability to provide funds within a few days if necessary.

Robert Owen Logo

Robert Owen

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.

Royal Bank of Scotland Logo

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.

Santander Logo


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.

Satago Logo


Satago’s mission is to help businesses thrive. We provide invoice finance, automated credit control and risk insight in one platform. Use our flexible invoice finance to ease cash flow and grow your business.

Shawbrook Bank Logo

Shawbrook Bank

Shawbrook Bank Limited is a retail and commercial bank in the United Kingdom. It is an operating entity of Shawbrook Group plc which was listed on the London Stock Exchange until it was acquired by a consortium led by BC Partners and Pollen Street Capital in July 2017.

Simply Logo


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.

Skipton Building Society Logo

Skipton Building Society

Skipton Business Finance Limited, founded in 2001, provides finance products ranging from Invoice Financing, 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 business quick access to flexible funding allowing clients to conduct their everyday business without the strain of cashflow issues.

Social Investment Business Logo

Social Investment Business

Social Investment Business (SIB) provides finance to create fairer communities and improve people’s lives. They do this by providing the patient and flexible money and support that organisations with a social purpose need to deliver their services. SIB also use their knowledge to inform their own work and influence others. Since 2004, SIB has deployed and managed over £400m of loans and grants into over 2,000 organisations and enabled almost 1,000 more to get dedicated business and impact support.

Starling Bank Logo

Starling Bank

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.