Juice Reviews

Juice is a UK-based lender known for exceptional customer service, a comprehensive product range, and strong compatibility with diverse client financial needs.

Here are the Trustpilot Reviews from Juice:

Here are the Reviews from Juice:

Fantastic business to work with from both a product and service perspective. As a broker, their product is very compatible with many of my client's needs and the speed in which they operate and the cost of the facility is best in class. Stephen Whelan has also been a joy, a breath of fresh air in a time of darkness.

Tom

Been working with Juice and in particular Steve for a while. Super innovative lender with a great product offering, and Steve is excellent to work with - efficient with communication and always on the ball for initially underwriting opportunities.

Tom

We’ve had an excellent experience working with Juice. They provided us with a smooth and flexible loan facility that perfectly suits our needs. The team stands out for their professionalism and responsiveness, always taking the time to truly understand our unique requirements and tailor a great solution for us. Communication has been seamless, with quick and efficient responses to emails every time.

Justis M

Brilliant team - they're super responsive and always happy to jump on a call or explain something further. The portal and entire process is really user-friendly (and it was quick!) as well. I would definitely recommend!

Ellie

I was invited to Juice's Growth Hub event at their offices in Soho. The team put on a memorable event with several speakers from across the e-commerce world. It's brilliant to see a lender fostering a community by bringing together e-commerce founders, retail leaders and tech partners to share wisdom, insight, and ideas.

Liam Francis

Great experience with Juice Finance. Being a FIFO worker had its challenges when trying to get a loan... Amol was patient , helpful and professional. Never had to chase up paperwork etc. Amol always got back to me when I had questions or I was unsure of what to do. Highly recommend his services.

Nidio

Explore Juice's Finance Solutions:

Merchant Cash Advance

£5,000 – £300,000

Unsecured Business Term Loan

£10,000 – £500,000

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Explore Juice's Finance Solutions:

Loan Type:

Merchant Cash Advance

Loan Range:

£5,000 – £300,000

Loan Terms:

3 – 12 months (flexible, linked to card takings)

Minimum Turnover and Trading Age:

Minimum £5,000 monthly card revenue and 6 months trading

Interest Rate:

Factor rate equivalent 1.15 – 1.35 (approx. 15% – 35% total cost)

Fees:

No arrangement fee; single factor cost added to advance; no early repayment penalties

Loan Type:

Unsecured Business Term Loan

Loan Range:

£10,000 – £500,000

Loan Terms:

6 months – 5 years

Minimum Turnover and Trading Age:

12 months trading and £80,000+ annual turnover

Interest Rate:

7.9% – 29.9% APR (representative 15.5%)

Fees:

Arrangement fee 0% – 5% of loan; early repayment allowed (rebate of interest varies)

Loan Type:

Asset Finance (HP & Leasing)

Loan Range:

£10,000 – £1,000,000

Loan Terms:

1 – 7 years

Minimum Turnover and Trading Age:

6 months trading (start-ups accepted with deposit)

Interest Rate:

5.5% – 12.5% flat p.a. (equivalent 9% – 19% APR)

Fees:

Documentation fee £150 – £395; option-to-purchase fee for HP ~£100; no early settlement penalties after minimum term

Loan Type:

Invoice Finance (Factoring & Confidential Discounting)

Loan Range:

£50,000 – £2,000,000 (up to 90% of invoice value)

Loan Terms:

Rolling facility (initial 12-month agreement)

Minimum Turnover and Trading Age:

Minimum £250,000 annual turnover and B2B invoices on 30-90 day terms

Interest Rate:

0.5% – 3% service fee plus 2.25% – 4.5% over base on drawn funds

Fees:

Setup fee 0.5% – 1% of facility limit; audit fees may apply; minimum monthly fee clauses

Loan Type:

Bridging Loan

Loan Range:

£100,000 – £25,000,000

Loan Terms:

3 – 24 months (interest can roll-up)

Minimum Turnover and Trading Age:

No trading history required—asset backed

Interest Rate:

0.55% – 1.45% per month

Fees:

Typical 2% arrangement fee; exit fee 0% – 1%; valuation & legal costs payable by borrower

Loan Type:

Development Finance

Loan Range:

£250,000 – £10,000,000 (up to 70% LTGDV / 85% LTC)

Loan Terms:

6 – 36 months

Minimum Turnover and Trading Age:

Experience preferred but first-time developers considered with strong team

Interest Rate:

7.5% – 11.5% p.a. (interest rolled up)

Fees:

Arrangement 1% – 2%; exit 1% – 2% on gross loan; monitoring surveyor, QS and legal costs

More About Juice

Juice (Juice Cash Ltd) is a UK-based commercial finance broker established in 2019. It operates under regulation by the Financial Conduct Authority as a credit intermediary, not a direct lender. Juice specialises in arranging various funding products for small and medium-sized enterprises (SMEs), including merchant cash advances, unsecured business loans, asset finance, invoice finance, bridging loans, and development finance. The firm leverages its access to a nationwide panel of banks and alternative lenders to provide diverse funding solutions for start-ups and established businesses that may struggle to obtain traditional bank financing. For further information on business loans and alternative lenders, you may visit business loans and lenders overview.

Key Features of Juice

Juice offers a technology-driven experience, simplifying the commercial finance search and application for UK SMEs. Its service focuses on broad lender access and efficient digital processes, supported by personalised customer care.

Access a panel of over 50 UK lenders across unsecured and secured finance options, as described in lenders overview.
Use a single online application portal with electronic signatures for multiple product options, supported by a loan application process guide.
Benefit from dedicated relationship managers offering tailored advice through phone and email support.
Connect with accounting software via APIs to speed underwriting, referenced in quick business finance.
Receive no obligation quotes with generally no upfront fees, making cost comparisons easier for borrowers.

Funding Eligibility

Eligibility criteria vary by product, but generally you may qualify if your business is UK-registered with a suitable trading history and turnover. You should also consider your credit standing and meet sector restrictions. For eligibility frameworks and tips, see how to qualify for a business loan in the UK and our loan application process guidance.

Loan Options Available Through Juice

Juice can source a range of loan options suitable for different business needs. These options include short-term cash advances to long-term development finance, each with distinct terms, amounts, and rates.

Merchant Cash Advance: £5,000 to £300,000 over 3 to 12 months. Factor rates typically range 1.15 to 1.35 (about 15% to 35% total cost). For more, see merchant cash advance.
Unsecured Business Term Loan: £10,000 to £500,000 for 6 months to 5 years. Representative APRs range 7.9% to 29.9%. Visit unsecured working capital loan for details.
Asset Finance (HP and Leasing): £10,000 to £1,000,000 with terms from 1 to 7 years and rates between 5.5% and 12.5% flat per annum. Refer to asset finance for more.
Invoice Finance: £50,000 to £2,000,000, covering up to 90% of invoice value on a rolling 12-month facility. Service fees are 0.5% to 3% plus interest between 2.25% and 4.5% above base rate. Learn more at invoice financing.
Bridging Loan: £100,000 up to £25,000,000, 3 to 24 months term, interest 0.55% to 1.45% per month. More on bridging loans can be found at bridging loans.
Development Finance: £250,000 to £10,000,000 for 6 to 36 months with interest rates from 7.5% to 11.5%, rolled up. See development finance for details.

How to Apply

Juice's application process is primarily online with telephone support. A variety of documents is required and approval times vary by product complexity.

Start by submitting an online application form, reviewed under a defined application process.
Provide necessary documents, including filed accounts, bank statements, and proof of identity, outlined in our loan application process page.
After review, sign contracts electronically via the portal or remotely as per instructions.
Expect decisions within one business day for unsecured loans and up to several weeks for some property-backed finance.

Funding Agent's View on Juice

Juice presents as a versatile commercial finance broker enabled by digital tools and extensive lender networks. Its product range suits SMEs needing quick funding comparisons or those requiring structured asset-backed loans. While rates and conditions depend on external lenders, Juice eases access to finance often unavailable through traditional banks. For further exploration use our eligibility guide, loan calculators, and loan comparison tools.