Best MCA Loan Providers for E-Commerce Businesses 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 funds a variety of short-term and medium-term business loans, often brokered through specialised providers. It supports UK SMEs needing quick access to growth capital with flexible terms. The focus is on straightforward application processes and fast funding, sometimes linked to revenue or assets.

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 6%
• Max APR: 20%
• Loan Duration: 1-24 months⌛

Services & Industries

• Finance Types: Merchant Cash Advance, Business Term Loan
• Industries: E-Commerce, Retail

Pros

• Customizable loan terms
• Quick decision and funding
• Expert financial advice

Cons

• Limited to UK businesses
• High APR for less established businesses

Sources: https://www.fundingagent.co.uk/post/top-short-term-business-loan-providers

2. YouLend

YouLend specialises in embedded finance options that support growth through revenue-based financing. It primarily serves UK SMEs seeking flexible repayment methods without heavy collateral. Its channels include brokered and direct access, providing quick decisions and customisable terms.

Loan Details

• Min Amount: £3,000
• Max Amount: £1,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Flexible based on revenue⌛

Services & Industries

• Finance Types: Merchant Cash Advance
• Industries: E-Commerce, Technology

Pros

• High approval rate
• No collateral required

Cons

• Higher cost than traditional loans

Sources: https://www.merchantsavvy.co.uk/business-finance/merchant-cash-advance/youlend/

3. Liberis

Liberis provides business cash advances that link repayments to card transactions, often used for working capital. It connects SME businesses with quick funding options that are based on sales volume and does not typically require collateral. It is suitable for cash flow management and growth funding.

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Flexible⌛

Services & Industries

• Finance Types: Business Cash Advance
• Industries: Retail, Service Industry

Pros

• Flexible repayments
• No APR

Cons

• Repayments tied to sales volume

Sources: https://liberis.co.uk/

4. Fora Financial

Fora Financial offers quick access to working capital, often supporting business growth through merchant cash advances or term loans. It is suitable for UK SMEs seeking fast, flexible funding options, with approvals often based on sales data or creditworthiness. The funding can be secured or unsecured, catering to varying collateral preferences.

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 25%
• Max APR: 99%
• Loan Duration: Up to 15 months⌛

Services & Industries

• Finance Types: Merchant Cash Advance, Business Term Loan
• Industries: Construction, Retail

Pros

• Fast approval
• Flexible funding solutions

Cons

• High APR
• Primarily available in US and UK

Sources: https://www.smeloans.co.uk/business-loan-poor-credit/

5. Fleximize

Fleximize focuses on flexible business loans that provide UK SMEs with adaptable repayment options and quick access to funds. It supports businesses aiming for growth and cash flow management. Its offerings are geared towards established businesses needing flexible terms and fast approval processes.

Loan Details

• Min Amount: £5,000
• Max Amount: £500,000
• Min APR: 8.9%
• Max APR: 25%
• Loan Duration: 3 to 60 months⌛

Services & Industries

• Finance Types: Business Term Loan
• Industries: Service Industry, Retail

Pros

• Flexible repayment options
• Customer-focused service

Cons

• Not suitable for startups

Sources: https://fleximize.co.uk/

6. Union Business Finance

Union Business Finance offers loans and financing options for UK small businesses, often through secured or unsecured commercial loans. It caters to growing firms needing capital for expansion or investment. Its access channels include broker and direct funding, with flexible repayment terms based on business needs.

Loan Details

• Min Amount: £10,000
• Max Amount: £5,000,000
• Min APR: 7%
• Max APR: 25%
• Loan Duration: 6 to 72 months⌛

Services & Industries

• Finance Types: Business Term Loan, Asset Finance
• Industries: Manufacturing, Wholesale

Pros

• Wide range of loan options
• Experienced financial advisors

Cons

• Longer approval process

Sources: https://unionbusinessfinance.co.uk/

7. 365 Business Finance

365 Business Finance provides merchant cash advances based on future credit and debit card sales, offering quick access for SMEs looking for flexible repayment options. It typically supports businesses with steady sales looking to manage cash flow. The funding structures include straightforward repayment methods aligned with sales performance.

Loan Details

• Min Amount: £10,000
• Max Amount: £500,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Re-payment via sales⌛

Services & Industries

• Finance Types: Merchant Cash Advance
• Industries: Retail, Hospitality

Pros

• Quick access to capital
• Flexible repayment

Cons

• Higher overall cost

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

8. Swoop UK

Swoop UK offers a platform for diverse funding options including loans and equity, often brokered through financial partners. It targets UK SMEs needing flexible capital solutions with quick decision-making. Its networked approach provides options but may involve complexity in application and terms.

Loan Details

• Min Amount: £1,000
• Max Amount: £5,000,000
• Min APR: 6.9%
• Max APR: 67.89%
• Loan Duration: 12 to 60 months⌛

Services & Industries

• Finance Types: Business Loan, Equity Finance
• Industries: Various including Agriculture, Construction

Pros

• Comprehensive platform
• Diverse funding options

Cons

• Complex application process

Sources: https://swoopfunding.com/

9. Portman Finance Group

Portman Finance Group offers tailored financing options including business loans and asset finance, often secured on assets or cash flow. It supports SMEs in various sectors looking for flexible payment terms. The company offers brokered and direct channels for quick, customised funding solutions.

Loan Details

• Min Amount: £10,000
• Max Amount: £2,000,000
• Min APR: 5%
• Max APR: 30%
• Loan Duration: Up to 72 months⌛

Services & Industries

• Finance Types: Business Loan, Asset Finance
• Industries: Real Estate, Healthcare

Pros

• Flexible financing options
• High approval rates

Cons

• Collateral might be required

Sources: https://portmanfinancegroup.co.uk/

10. Credibly

Credibly provides fast access to online-backed business loans, supporting small firms needing quick funds. It offers flexible repayment options and is suitable for businesses seeking simple, swift funding solutions. Its process emphasises speed with minimal paperwork and easy approval.

Loan Details

• Min Amount: £5,000
• Max Amount: £400,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Up to 24 months⌛

Services & Industries

• Finance Types: Business Loan
• Industries: Restaurants, Retail

Pros

• Fast funding
• Flexible criteria

Cons

• Limited customer support options

Sources: https://www.credibly.com/

How to choose

Match loan size and APR to your budget, check eligibility, and balance speed against flexibility. Consider how repayments fit your franchise cash flow and seasonality. Review lender criteria, fees, and early repayment terms before applying. For e-commerce businesses, it’s important to identify whether a provider offers quick access and flexible terms or specialises in difficult-to-qualify sectors. Understanding the differences between brokered, direct, and specialist lenders helps in selecting the best fit for your needs.

Conclusion

Matching the right provider depends on your specific needs. Bank-based options typically offer lower rates for secured loans. Broking services can provide access to multiple options, some of which offer quick approvals. Sector specialists like Funding Agent focus on fast, flexible solutions suited for e-commerce. Always confirm current costs and terms with the lender; pricing may change.