Funding Agent offers a platform focusing on comparing unsecured business finance for UK SMEs. It is suitable for franchise buyers and operators looking for a variety of funding options with straightforward eligibility checks. The service emphasises speed and simplicity, offering flexible terms without the need for collateral with quick matching to suitable lenders.

Funding Circle focuses on connecting small UK businesses with investors through peer-to-peer lending. It suits SMEs and franchise operators seeking transparent loan options with fixed terms. The provider offers relatively fast funding processes with loans generally unsecured, making them suitable for businesses prioritising speed and cost efficiency.

Tide provides digital business banking and lending solutions supporting UK SMEs, including flexible loan and overdraft services. It is suited for smaller businesses and freelancers needing accessible, swift finance with convenient online management. Tide emphasises user experience and relatively quick access to funds, with a focus on unsecured credit options.

Iwoca specialises in short-term and flexible credit facilities for UK SMEs, particularly focusing on quick access to funds for immediate credit needs. It suits franchise operators and small businesses seeking expedited funding with minimal security requirements. Iwoca’s products typically offer revolving credit options with fast decisioning and flexible repayments.

Growth Street provides flexible credit solutions resembling overdraft facilities, designed for SMEs needing adaptable finance to manage cash flow. It is suited for businesses seeking credit without conventional loan constraints, especially where repayments need to accommodate varied cash flow. Growth Street offers revolving credit with no early repayment fees and tailored credit lines.

ThinCats focuses on bespoke lending for medium-sized UK businesses, working through institutional lenders. It is appropriate for firms requiring larger sums secured against assets or with extended repayment plans. ThinCats offers tailored financing with brokered access, suited to established businesses that need flexible loan structures.

MarketFinance offers invoice finance and business loans aimed at bridging working capital gaps for growing companies. It is well-suited to franchise operators and SMEs that require fast funding against receivables. The platform provides flexible repayment options and an efficient online process to support liquidity needs.

Capify provides alternative funding solutions including merchant cash advances and business loans for SMEs. It typically suits businesses in hospitality and retail seeking quick working capital with flexible repayment schedules based on future sales. Capify emphasises speed and less formal credit requirements, usually without the need for traditional collateral.

OakNorth Bank provides complex business loans mainly targeting fast-growing and established UK businesses. It suits companies needing sizeable loans, often secured against property or assets, with customised lending terms. OakNorth offers more traditional banking products with longer durations and structured repayments, useful for property purchase, refinancing or significant growth investments.

White Oak UK offers a range of finance products aimed at helping SMEs grow through asset finance and conventional business loans. It suits industries like healthcare, manufacturing and hospitality seeking predictable terms and competitive rates. The lender provides flexible options including secured loans, useful for franchise buyers managing business expansion.