momenta finance Alternatives

This guide lists five UK focused alternatives to momenta finance, so buyers can compare speed, eligibility, products, and pricing before applying. Data was generated on 2025-10-14T12:00:00Z; always confirm current terms with the provider.

Quick Compare:

1. YouLend

YouLend offers flexible and quick financing options mainly for UK businesses with high sales volume. It suits those seeking to compare momenta finance with other panels or faster routes. The focus is on revenue-based finance with fast decision times and no traditional credit checks.

Loan and pricing details

• Min amount: £3,000
• Max amount: £1,000,000
• APR min: Unknown
• APR max: Unknown
• Loan durations: Flexible, based on sales revenue

Funding range note: from 3,000 to 1,000,000

Speed: Quick decision process

Interest rate notes: Interest rates are determined by sales revenue, with factor rates typical around 1.26.

Eligibility

• Min trading months: 12
• Min monthly turnover: £5,000
• Credit flexibility: High flexibility depending on card sales volume.

Personal guarantee: Not typically required as it's revenue-based.

Homeowner advantage: No advantage.

Services and sectors

• Products: revenue_based_finance
• Industries: Retail, Hospitality

Best for

• SMEs with card sales
• Quick funding needs

Pros

• Fast funding
• No traditional credit check

Cons

• Depends heavily on card sales

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

2. Liberis

Liberis is a provider specialising in cash advances and alternative finance mainly for UK small to medium-sized businesses. Its offer is suitable for firms seeking transparent, flexible funding with quick access, often tied to revenue performance and repayment flexibility.

Loan and pricing details

• Min amount: £5,000
• Max amount: £150,000
• APR min: Unknown
• APR max: Unknown
• Loan durations: Varied, tied to business revenue lifecycle

Funding range note: Unknown

Speed: Same-day decision in some cases

Interest rate notes: The cost is a simple fee tied to revenue performance rather than interest.

Eligibility

• Min trading months: 9
• Min monthly turnover: £2,500
• Credit flexibility: Flexible based on revenues.

Personal guarantee: Not required.

Homeowner advantage: No advantage.

Services and sectors

• Products: business_cash_advance
• Industries: Retail, Service industry

Best for

• Businesses with consistent revenue streams
• Transparent funding

Pros

• No interest pressure
• Fee based

Cons

• May end up being more expensive

Sources: https://www.liberis.com/

3. Nucleus Commercial Finance

Nucleus Commercial Finance specialises in business loans, asset finance, and other funding solutions for UK companies. Its offerings include both secured and unsecured options, suitable for firms seeking growth capital or refinancing with flexible collateral options.

Loan and pricing details

• Min amount: £3,000
• Max amount: £2,000,000
• APR min: 5%
• APR max: 20%
• Loan durations: 6 months to 5 years

Funding range note: from 3,000 to 2,000,000

Speed: Rapid decisions, often within 24 hours

Interest rate notes: Competitive rates based on asset and risk profile.

Eligibility

• Min trading months: 12
• Min monthly turnover: £10,000
• Credit flexibility: Moderate flexibility, based on business performance.

Personal guarantee: Typically required for higher loan amounts.

Homeowner advantage: Having property can improve lease terms or borrowing capacity.

Services and sectors

• Products: term_loans, asset_finance
• Industries: Manufacturing, Construction

Best for

• Growing businesses
• High funding needs

Pros

• Large funding range
• Structured repayment plans

Cons

• Requires solid financials

Sources: https://nucleuscommercialfinance.com/

4. Iwoca

Iwoca specialises in providing fast, flexible funding solutions for UK small and medium-sized enterprises. Its products include lines of credit and short-term loans, suitable for both small projects and larger investments, with quick decision times and broad eligibility criteria.

Loan and pricing details

• Min amount: £1,000
• Max amount: £500,000
• APR min: 8%
• APR max: 30%
• Loan durations: 1 month to 24 months

Funding range note: from 1,000 to 500,000

Speed: Decision often in minutes

Interest rate notes: Rates are competitive, calculated based on risk with flexible repayment terms.

Eligibility

• Min trading months: 12
• Min monthly turnover: £5,000
• Credit flexibility: Extremely flexible, minimal requirements at lower loan levels.

Personal guarantee: Not necessarily required.

Homeowner advantage: No direct advantage.

Services and sectors

• Products: short_term_loans
• Industries: Retail, Service industry

Best for

• Retail businesses
• Seasonal funding needs

Pros

• Rapid funding
• Flexible repayments

Cons

• Higher APR for small loans

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

5. Fleximize

Fleximize is a provider offering flexible funding solutions, including secured and unsecured loans for UK businesses. Its offerings support growth and operational needs, often with quick access and tailored repayment plans. It caters to firms seeking both short-term and longer-term finance options with a broad collateral selection.

Loan and pricing details

• Min amount: £5,000
• Max amount: £500,000
• APR min: 8%
• APR max: 29.9%
• Loan durations: 3 months to 5 years

Funding range note: from 5,000 to 500,000

Speed: Typically processes within 48 hours

Interest rate notes: Interest is risk-adjusted, beginning around 8% APR.

Eligibility

• Min trading months: 12
• Min monthly turnover: £6,000
• Credit flexibility: High, depending on repayment capacity.

Personal guarantee: Required for higher amounts

Homeowner advantage: Having property may lower costs.

Services and sectors

• Products: term_loans, unsecured_loans
• Industries: Retail, Technology

Best for

• Customer-focused funding
• Wide financial support range

Pros

• Transparent terms
• Large loan size

Cons

• Requires established revenue patterns

Sources: https://fleximize.com/

Final notes

When comparing providers, match loan size, timeline, and sector fit first, then confirm current rates and fees with the finance provider. If one option declines your application, a broker or multi lender panel may still place the deal.

Matching the right provider depends on your needs. Banks typically offer larger, secured finance for established businesses. Brokers provide access to a range of lenders and products. Specialist providers focus on quick, flexible funding for specific purposes. Consider your application case and preferred terms. Use the Funding Agent for guidance.