Plain-English pages on 15 reputable UK lenders and funding routes: what they offer, what it really costs, how the money works. No forms, no sales calls, no nonsense. Pick what you need and read.
Not sure what you need?
If you take payments through PayPal, Stripe, Square, SumUp, Dojo, Teya or Shopify, or sell on Amazon or eBay, the provider can already see your takings. Once you have a few months of history, an offer can appear right in your dashboard. You get a lump sum for one fixed fee, and the provider keeps a set percentage of every sale until the advance plus fee is repaid. Busy week, you repay faster. Quiet week, you repay less.
The catch is cost. A £10,000 advance with a £1,300 fee sounds like 13%, but if your sales clear it in four months that is roughly 40% a year. Behind the logos, one company (YouLend) is the named funding partner for several of the big platforms. Read what the fee really costs or see the full cash advance section.
A flexible credit line from £1,000 to £1,000,000. Draw what you need, pay interest only on what you use.
Term loans from £10,000 to £750,000, plus a credit line and cashback credit card, from a major online lender.
A business credit card for UK limited companies, with limits up to £250,000 and unlimited 1% cashback.
Term loans of £10,000 to £1,000,000 with top-ups, repayment holidays and no early repayment fees.
Short-term business loans of £10,000 to £3 million over 3 to 12 months, with same-day funding possible.
A government-backed personal loan for young businesses, up to £25,000 per owner at 7.5% fixed, with free mentoring.
Free funding marketplace matching UK businesses to loans, grants and equity. Lenders pay Swoop commission when deals complete.
Tide's credit marketplace compares offers from 80+ lenders, £1,000 to £20 million, after one soft credit check.
The lender behind many big-name platform advances. One fixed fee, repaid automatically as a slice of every sale.
A cash advance against future PayPal sales, repaid automatically as a slice of every sale, with one fixed fee.
Fixed-fee advance for Stripe users, funded by YouLend. Offer-based, so you cannot apply, only accept.
An invitation-only flat-fee loan for Square sellers, repaid automatically from a slice of daily card sales.
An invite-only cash advance for Shopify stores, repaid from a slice of daily sales and issued by YouLend.
Funding offers for Amazon.co.uk sellers inside Seller Central, £500 to £5m, lent by TradeBridge and YouLend.
Cash advances built into SumUp, Dojo and Teya card terminals, repaid as a fixed slice of card takings.
Nothing matches that combination. Loosen a filter, or look at the marketplaces which cover the widest range.
Every lender here gets the same treatment: what it offers, who can apply, what it costs in the lender's own terms, and a "watch out for" section covering the parts the adverts skip. All facts are checked against the lender's own website and dated, most recently on 7 September 2026. We are a directory, not a broker: there are no forms here, and clicking through takes you straight to the lender.
Start with the guides if the jargon is new, use compare to put up to three options side by side, and read personal guarantees before signing anything.
Yes. There is nothing to sign up for, no forms and no calls. We list what each lender offers, what it costs and how it works, and you go direct to the lender if one fits.
Neither. We are a directory and a publisher. We do not arrange credit, take applications, assess eligibility or recommend products. Every application happens on the lender’s own site. See our not advice page.
Some links are affiliate links, so a lender may pay us a commission if you take a product after clicking through. Commission never changes what we write or the order lenders appear in. Full detail on our how we make money page.
Every lender page shows a checked-on date. The current data was verified against each lender’s own website on 7 September 2026. If a lender changes its terms in between, its own site is always the final word.
It depends on your business, how much you need and how fast you repay, so we do not rank by price and no honest site can. Use the compare tool to see up to three side by side, then check the representative example on each lender’s own site.