Best MCA Loan Lenders for Restaurants in the UK

For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank prices accurate as of 2025-10-09.

1. Funding Agent

Funding Agent specialises in business loans and asset finance suitable for UK SMEs. Its solutions support franchise owners needing quick, flexible funding with clear repayment options. The platform connects clients with suitable products, often brokered through partnerships. It is ideal for those seeking straightforward, fast funding options in a competitive market.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Unknown⌛

Services & Industries

• Finance Types: Merchant Cash Advance
• Industries: General

Pros

• Tailored financial solutions
• Flexible terms

Cons

• Details not available

Sources: https://www.fundingagent.co.uk/post/the-best-mca-loan-lenders-in-the-uk

2. YouLend

YouLend offers flexible funding options tailored for SME growth. Its products include merchant cash advances and revenue-based funding, suitable for franchisees needing quick access. The platform emphasizes approval speed and repayment flexibility. It may be suitable for those valuing rapid funding and moderate controls.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Flexible⌛

Services & Industries

• Finance Types: Merchant Cash Advance, Revenue-Based Funding
• Industries: General

Pros

• High approval rate
• Flexible repayment

Cons

• Higher interest rates

Sources: https://www.youtube.com/watch?v=ZbZSe6N_BXs,https://aptpayment.co.uk/business-loans/youlend/ https://www.youtube.com/watch?v=ZbZSe6N_BXs,https://aptpayment.co.uk/business-loans/youlend/

3. Liberis

Liberis provides flexible business cash advances with fast onboarding and minimal collateral needs. Its funding is suitable for SMEs seeking quick access without traditional forms of security. It offers payments tailored to cash flow and revenue. The service is best for those prioritising speed and flexibility.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Variable⌛

Services & Industries

• Finance Types: Business Cash Advance
• Industries: Restaurants, Retail

Pros

• Quick funding
• Tailored solutions

Cons

• No advertised APRs

Sources: https://liberis.co.uk/,https://www.elavon.co.uk/resource-center/maximise-your-solutions/liberis-business-funding.html https://liberis.co.uk/,https://www.elavon.co.uk/resource-center/maximise-your-solutions/liberis-business-funding.html

4. 365 Business Finance

365 Business Finance offers revenue-based funding solutions suitable for SMEs needing flexible working capital. Its products can support businesses at every stage without strict fixed conditions. The platform emphasises quick access and scalable options, making it ideal for dynamic sectors.

Loan Details

• Min Amount: £1,000
• Max Amount: £500,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: No fixed term⌛

Services & Industries

• Finance Types: Revenue Based Finance
• Industries: Small and Medium Businesses

Pros

• No fixed payments
• Fast approval

Cons

• Lack of clarity on total cost

Sources: https://www.365finance.co.uk/

5. Capify

Capify provides flexible small business loans, often brokered for faster access. Its product range caters to those seeking quick, scalable funding options. The solutions suit franchises and established SMEs aiming for adaptable repayment structures.

Loan Details

• Min Amount: £5,000
• Max Amount: £3,000,000
• Min APR: 67.89%
• Max APR: 0%
• Loan Duration: Flexible⌛

Services & Industries

• Finance Types: Small Business Loans
• Industries: General

Pros

• Large loan sums available
• Rapid funding

Cons

• High APRs

Sources: https://www.capify.co.uk/

6. Momenta Finance

Momenta Finance specialises in tailored business loans for SMEs, supporting growth and cash flow needs. Its offerings include secured and unsecured loans, often with quick approval processes. The service is suitable for those seeking flexible, customised funding solutions.

Loan Details

• Min Amount: £50,000
• Max Amount: £1,500,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 6-72 months⌛

Services & Industries

• Finance Types: Secured Loans, Unsecured Loans
• Industries: General

Pros

• Personalised loan options
• No security needed for unsecured loans

Cons

• Complex terms

Sources: https://momentafinance.co.uk/

7. Nucleus

Nucleus provides unsecured business loans, focusing on flexible repayment terms for SMEs. Its offerings are suitable for companies seeking quick access with minimal collateral. It supports growth across sectors with competitive rates and personalised solutions.

Loan Details

• Min Amount: £10,000
• Max Amount: £2,000,000
• Min APR: 5%
• Max APR: 11%
• Loan Duration: 3-72 months⌛

Services & Industries

• Finance Types: Unsecured Loans
• Industries: General

Pros

• Competitive APR rates
• Flexible repayment options

Cons

• Limited loan type variety

Sources: https://www.nucleuscommercialfinance.co.uk/

8. Love Finance

Love Finance offers small business loans for fast access and flexible repayment terms. Its solutions are suitable for SMEs needing rapid capital injection with adaptable payment plans. The platform supports varied industry needs with quick approval processes.

Loan Details

• Min Amount: £0
• Max Amount: £750,000
• Min APR: 6.9%
• Max APR: 0%
• Loan Duration: Flexible⌛

Services & Industries

• Finance Types: Small Business Loans
• Industries: General

Pros

• Rapid approval
• Flexible terms

Cons

• Interest rates vary widely

Sources: https://www.lovefinance.co.uk/

9. Fora Financial

Fora Financial offers short-term funding options including merchant cash advances and term loans. Its solutions are designed for fast approval and flexible use, often working with businesses in retail or hospitality sectors. The services support quick cash flow needs and are brokered through multiple channels.

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 25%
• Max APR: 99%
• Loan Duration: Flexible⌛

Services & Industries

• Finance Types: Term Loans, Merchant Cash Advance
• Industries: General

Pros

• Quick funding
• Available for bad credit

Cons

• High maximum APR

Sources: https://www.cnbc.com/select/best-merchant-cash-advances/

10. Rapid Finance

Rapid Finance specialises in short-term business loans and merchant cash advances for quick funding. Its products are suitable for businesses needing fast capital with flexible repayment options. The platform emphasises speed and customisation to meet urgent cash flow needs.

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 6%
• Max APR: 15%
• Loan Duration: 6-84 months⌛

Services & Industries

• Finance Types: Business Loans
• Industries: General

Pros

• Same-day approval
• Flexible terms

Cons

• Interest rates can vary

Sources: https://www.rapidbusinessfinance.co.uk/

How to choose

When selecting a provider for restaurant financing, consider your funding requirements and repayment capacity. Bank lenders offer larger amounts and lower rates but may have stricter eligibility and longer approval times. Broker-led options can connect you to a range of products quickly, though costs may vary. Specialist lenders like Liberis or Funding Agent focus on fast, flexible cash advances or revenue-based funding suited for seasonal or fast-changing businesses. Always review provider criteria, costs, and repayment terms before making a decision. Matching the right loan type to your cash flow and growth plans ensures a sustainable fit for your franchise or restaurant.

Conclusion

Matching your financing need to the right provider is key. Traditional banks are best for larger, secure loans with low interest. Brokers and online platforms excel at quick comparisons and flexible options. Specialist lenders like Liberis focus on fast cash advances for smaller, short-term needs. Always confirm current costs and terms with the lender; pricing may change. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Other providers suit larger amounts, asset-backed needs, or sector specialisms.