October 2, 2025

The Best MCA Loan Lenders in the UK for 2026

Discover the best MCA loan lenders in the UK for 2025. Compare rates, terms, and find the right merchant cash advance for your business today.

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 2025-10-02.

Rank Provider Summary Loan range; APR; Term
1Funding AgentFunding Agent is a leading financial services company specializing in fast and flexible short-term business loans for SMEs in the UK.£0–£25,000; 10.2%–10.2% APR; 1–10 years
2YouLendYouLend is a global embedded financing platform, operating in the UK, Europe, and USA, helping SMEs grow with flexible funding.£0–£0; 0%–0% APR; Unknown
3LiberisLiberis offers embedded finance solutions providing cash advances based on a business's monthly card sales, with repayments made via a fixed percentage of daily sales.£1,000–£1,000,000; 0%–0% APR; Variable, dependent on sales
4365 Business Finance365 Business Finance offers revenue-based finance to UK SMEs, allowing repayment through card transactions, aligning repayments to business revenue.£5,000–£500,000; 0%–0% APR; Variable, based on card sales
5CapifyCapify offers flexible small business loans in the UK, with funding up to £3,000,000 and repayment terms tailored to each business.£5,000–£3,000,000; 67.89%–67.89% APR; 12 months
6Momenta FinanceMomenta Finance provides business loans tailored for UK SMEs with options for both secured and unsecured loans.£350,000–£1,500,000; 0%–0% APR; 6–72 months
7NucleusNucleus provides tailored business finance solutions with unsecured business loans starting at a flat rate of 5%.£10,000–£2,000,000; 5%–12% APR; 3–72 months
8Love FinanceLove Finance is a fast-growing SME lender in the UK, offering quick and flexible business loans to small and medium enterprises.£0–£750,000; 6.9%–0% APR; Flexible, typically short-term
9Boost CapitalBoost Capital provides easy-to-access merchant cash advances, allowing UK businesses to obtain financing based on future card sales.£3,000–£300,000; 0%–0% APR; Variable, based on sales
10Quick CapitalQuick Capital specializes in rapid disbursement of business loans ranging from £10,000 to £5,000,000, catering to businesses needing quick access to capital.£10,000–£5,000,000; 0%–0% APR; Short-term, typically quick access

1. Funding Agent

Funding Agent specializes in fast, flexible business loans tailored for SMEs. It's suitable for small to medium-sized enterprises needing quick access and predictable terms. Options come without collateral, supporting diverse industries smoothly.

Loan Details

  • Min Amount: £0
  • Max Amount: £25,000
  • Min APR: 10.2%
  • Max APR: 10.2%
  • Loan Duration: 1–10 years⌛

Services & Industries

  • Finance Types: Short-term Loans
  • Industries: Various

Pros

  • Fast approval
  • Flexible terms

Cons

  • Limited loan amount

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

2. YouLend

YouLend operates as a global platform offering embedded financing solutions. It's ideal for SMEs looking to scale with flexible funding aligned to sales performance. Their offerings easily integrate into existing sales systems without collateral constraints.

Loan Details

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

Services & Industries

  • Finance Types: Revenue-based Financing
  • Industries: Various

Pros

  • No large monthly bills
  • Flexible payments

Cons

  • Service dependent on card sales

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

3. Liberis

Liberis provides cash advances linked to a business's monthly card sales. It's well-suited for SMEs seeking flexible repayment options reflecting actual sales. Their model offers agility without traditional loan constraints or collateral requirements.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable, dependent on sales⌛

Services & Industries

  • Finance Types: Merchant Cash Advance
  • Industries: Various

Pros

  • High loan amounts
  • Flexible repayment options

Cons

  • Dependent on card sales volume

Sources: https://www.bmcaa.co.uk/providers/liberis/

4. 365 Business Finance

365 Business Finance offers revenue-based finance allowing repayments through card transactions that align with business earnings. This model suits retailers and hospitality sectors where income can fluctuate. They provide non-collateral funding easily adaptable across industries.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable, based on card sales⌛

Services & Industries

  • Finance Types: Revenue-based Financing
  • Industries: Retail, Hospitality, Services

Pros

  • Repayments linked to revenue
  • No large repayments required

Cons

  • Dependent on sales volume

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

5. Capify

Capify offers small business loans with significant flexibility for repayment. Firms searching for large funding amounts will find terms adjustable to their cash flow. Their facilities do not require traditional collateral, ideal for agile businesses.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £3,000,000
  • Min APR: 67.89%
  • Max APR: 67.89%
  • Loan Duration: 12 months⌛

Services & Industries

  • Finance Types: Small Business Loans
  • Industries: Various

Pros

  • Large loan amounts available
  • Tailored repayment terms

Cons

  • High APR

Sources: https://www.capify.co.uk/annual-percentage-rate-apr-explained/

6. Momenta Finance

Momenta Finance provides loan options for UK SMEs, both secured and unsecured. It is particularly suited for larger sums and extended durations, offering secured financing to stable businesses. Flexibility and option variety are key features.

Loan Details

  • Min Amount: £350,000
  • 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: Various

Pros

  • Large funding amounts
  • Flexible terms

Cons

  • Security required for higher amounts

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

7. Nucleus

Nucleus focuses on unsecured business loans, offering a straightforward, rate-driven structure. Suitable for enterprises that prioritize fast processing with competitive rates. Real flexibility is offered without typical asset security demands.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 5%
  • Max APR: 12%
  • Loan Duration: 3–72 months⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: Various

Pros

  • Low starting rates
  • High loan amounts

Cons

  • Rate depends on credit risk

Sources: https://www.fundinvoice.co.uk/blog/advice/post/nucleus-lowers-unsecured-business-loan-rates.html

8. Love Finance

Love Finance offers quick and adaptable business loan solutions ideal for SMEs. Focusing on speed and low APR, they cater to enterprises needing immediate financial injection. Terms are straightforward without extensive asset requirements or long waits.

Loan Details

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

Services & Industries

  • Finance Types: Business Loans
  • Industries: Various

Pros

  • Fast funding
  • Low minimum APR

Cons

  • Loan amount may vary

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

9. Boost Capital

Boost Capital specializes in merchant cash advances that provide funding based on the future card sales of SMEs. This approach benefits businesses with volatile revenue streams needing adaptable repayment plans. Ideal for acquiring flexible finance without traditional lending terms.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £300,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable, based on sales⌛

Services & Industries

  • Finance Types: Merchant Cash Advance
  • Industries: Various

Pros

  • No fixed APR
  • Flexible repayment

Cons

  • Dependent on sales flow

Sources: https://rosewoodfinance.co.uk/merchant-cash-advance/

10. Quick Capital

Quick Capital provides rapid disbursement loans ranging significantly to support immediate capital needs. Suitable for businesses requiring swift access to large funds. Their service emphasizes speed without lengthy approval processes or extensive security.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Short-term, typically quick access⌛

Services & Industries

  • Finance Types: Quick Business Loans
  • Industries: Various

Pros

  • Rapid funding
  • High maximum loan amount

Cons

  • Detailed terms not publicly available

Sources: https://aptpayment.co.uk/business-loans/quick/

How to choose

When choosing a lender, consider your business needs such as loan size, repayment terms, and flexibility. Assess if the loan suits your cash flow and seasonality. Check the lender's criteria, fees, and early repayment policies to ensure alignment with your financial strategy. Look for APR rates that fit your budget and verify the provider's eligibility requirements. Understanding these factors will help you select the right lender for your SME needs in 2025.

Conclusion

Matching a provider to your business needs involves reviewing whether you prefer a bank, broker, or specialist. Funding Agent offers quick comparisons across multiple options. Evaluate if large amounts, specific sectors, or asset-backed needs are in alignment with other providers. Always confirm up-to-date details directly with the lender since pricing and terms could change. Smart selection of a financing partner hinges on aligning your use case with their offerings.

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