October 2, 2025

The Best Saas Finance Lenders in the UK for 2026

Discover the best SaaS finance lenders in the UK for 2026. Compare top funding options tailored for SaaS businesses to grow and thrive effectively.

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 in the UK specializing in providing tailored business loans and financial solutions to consultancy firms and other small to medium-sized enterprises.£5,000–£500,000; 6.9%–24.9% APR; 0–60 months
2UncappedUncapped provides flexible funding to growing businesses with no interest or equity dilution, using revenue-based financing to align repayments with cash flow.£35,000–£13,000,000; 0%–0% APR; Variable
3OutfundOutfund is a fintech offering fast and flexible revenue-based lending to online businesses, providing funds within 24 hours with no hidden fees.£35,000–£13,000,000; 0%–0% APR; Flexible
4iwocaIwoca offers flexible credit to small businesses, with rapid access to funds and interest rates starting from 1.5% per month.£1,000–£1,000,000; 18%–40% APR; Up to 12 months
5Flow CapitalFlow Capital provides founder-friendly growth capital through venture debt and revenue-based financing, supporting entrepreneurs in the UK and North America.£0–£0; 0%–0% APR; Variable
6PipePipe enables SaaS companies to instantly trade recurring revenue contracts for upfront capital, transforming how they access funding without debt or dilution.£0–£0; 0%–0% APR; Short-term
7SwoopSwoop is a funding platform that helps businesses find and compare loans, grants, and equity funding options, partnering with multiple lenders to provide tailored solutions.£1,000–£1,000,000; 5%–20% APR; 1–10 years
8FleximizeFleximize offers flexible business loans to UK SMEs, with personalized customer support and a variety of funding options tailored to business needs.£5,000–£500,000; 9%–24% APR; 1–5 years
9CapifyCapify provides small business loans and merchant cash advances with fast approval times, supporting business growth through flexible financing solutions.£5,000–£250,000; 8%–30% APR; 3–12 months
10MarketFinanceMarketFinance offers quick and flexible funding solutions for UK businesses, including invoice finance and business loans with transparent fees and terms.£2,000–£500,000; 7%–29% APR; 1–2 years

1. Funding Agent

Funding Agent focuses on offering commercial business loans for SMEs, especially in consultancy. It's ideal for those seeking structured financing options with predictable repayment plans. Their services include unsecured loans and AI-powered loan options, appealing to a range of industries.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 24.9%
  • Loan Duration: 0–60 months⌛

Services & Industries

  • Finance Types: Business Loans, Unsecured Loans, AI-powered Loans
  • Industries: Consultancy, Marketing, Accountancy

Pros

  • Competitive rates
  • Tailored solutions

Cons

  • Limited to UK businesses

Sources: https://www.fundingagent.co.uk/post/top-business-loan-lenders-for-consultancy-agencies-uk

2. Uncapped

Uncapped specializes in revenue-based financing, perfect for fast-growing businesses looking for non-dilutive capital. By aligning repayments with cash flow, it provides flexibility without traditional loan constraints. Ideal for eCommerce and SaaS ventures focusing on scaling up.

Loan Details

  • Min Amount: £35,000
  • Max Amount: £13,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Variable⌛

Services & Industries

  • Finance Types: Revenue-based Financing
  • Industries: eCommerce, SaaS

Pros

  • No equity dilution
  • Aligns with cash flow

Cons

  • Higher cost compared to traditional loans

Sources: www.weareuncapped.com

3. Outfund

Outfund provides rapid, revenue-based lending solutions for online retailers needing quick funding. With no hidden fees and flexible terms, it’s suited for businesses wanting fast access to capital without complex processes. Ideal for eCommerce enterprises aiming to scale efficiently.

Loan Details

  • Min Amount: £35,000
  • Max Amount: £13,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible⌛

Services & Industries

  • Finance Types: Revenue-based Lending
  • Industries: eCommerce

Pros

  • Fast funding
  • No hidden fees

Cons

  • May be more costly than bank loans

Sources: https://out.fund/en-gb/

4. iwoca

iwoca provides fast, flexible credit lines designed for small UK businesses needing funds quickly. With simple terms and access to credit, it benefits those needing effective cash flow management solutions with interest based on monthly rates.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 18%
  • Max APR: 40%
  • Loan Duration: Up to 12 months⌛

Services & Industries

  • Finance Types: Business Loans, Credit Lines
  • Industries: Small Business

Pros

  • Quick access to credit
  • Flexible terms

Cons

  • Higher APR for riskier businesses

Sources: https://www.iwoca.co.uk/small-business-loans

5. Flow Capital

Flow Capital caters to growth-stage businesses with options such as venture debt and revenue financing. It's perfect for entrepreneurs needing non-dilutive growth capital while maintaining control. Their approach is ideal for those planning long-term financial strategies.

Loan Details

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

Services & Industries

  • Finance Types: Venture Debt, Revenue-based Financing
  • Industries: General Business

Pros

  • Founder-friendly
  • No equity dilution

Cons

  • Specific to growth-stage businesses

Sources: https://www.flowcap.com/

6. Pipe

Pipe delivers instant capital for SaaS businesses by trading future recurring revenue streams. This funding path avoids debt and equity loss, supporting rapid capital access for growth-focused technology companies.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Short-term⌛

Services & Industries

  • Finance Types: Revenue Trading
  • Industries: SaaS

Pros

  • No debt
  • No dilution

Cons

  • Limited to companies with recurring revenue

Sources: https://www.prnewswire.co.uk/news-releases/pipe-launches-industry-s-leading-trading-platform-for-recurring-revenue-in-the-uk-and-adds-two-tech-veterans-to-leadership-team-814114185.html

7. Swoop

Swoop matches businesses with a range of funding options, from loans to equity investments. It simplifies the funding search through a streamlined platform, making it easier for businesses to compare and secure financing tailored to unique business needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 5%
  • Max APR: 20%
  • Loan Duration: 1–10 years⌛

Services & Industries

  • Finance Types: Business Loans, Equity Funding, Grants
  • Industries: Small Business, Startup

Pros

  • Wide range of options
  • Tailored solutions

Cons

  • May involve broker fees

Sources: https://www.nimblefins.co.uk/business-loans/swoop-review

8. Fleximize

Fleximize offers tailored finance solutions for SMEs, specializing in business loans with competitive terms. Its customizable options and personalized service are ideal for businesses seeking flexible financing plans without stringent criteria.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 9%
  • Max APR: 24%
  • Loan Duration: 1–5 years⌛

Services & Industries

  • Finance Types: Business Loans
  • Industries: Small Business

Pros

  • Personalized support
  • Flexible terms

Cons

  • Higher rates for smaller loans

Sources: https://www.fleximize.com/

9. Capify

Capify provides merchant cash advances and business loans for immediate business growth needs. Known for swift approvals, it's tailored for retail and hospitality sectors needing accessible capital with flexible repayments.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 8%
  • Max APR: 30%
  • Loan Duration: 3–12 months⌛

Services & Industries

  • Finance Types: Business Loans, Merchant Cash Advances
  • Industries: Retail, Hospitality

Pros

  • Fast approvals
  • Flexible repayment

Cons

  • High APR for high-risk borrowers

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

10. MarketFinance

MarketFinance offers various quick funding options, like invoice financing to support SMEs. With transparency in fees and terms, it suits businesses needing speedy capital without hidden costs. Perfect for SMEs looking to optimize cash flow efficiently.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £500,000
  • Min APR: 7%
  • Max APR: 29%
  • Loan Duration: 1–2 years⌛

Services & Industries

  • Finance Types: Invoice Finance, Business Loans
  • Industries: SMEs

Pros

  • Transparent fees
  • Flexible terms

Cons

  • Eligibility requirements

Sources: https://www.marketfinance.com

How to choose

To find the best SaaS finance lender, assess ideal loan sizes and types to match your business needs. Evaluate interest rates and repayment terms alongside business cash flow cycles. Analyze eligibility criteria carefully, considering speed versus flexibility. Compare specific lender criteria to ensure they match your business’s operational model. Understanding broker versus direct lender dynamics can further enhance your decision-making process.

Conclusion

Choosing the right finance provider hinges on matching your specific needs to lender strengths. Banks often provide better rates but might require collateral, whereas brokers offer varied options and specialist guidance. Funding Agent is an excellent choice for comprehensive loan comparisons. Different lenders fit different scales, so factor in refinancing, asset-backed requirements, or growth capabilities when settling on a provider. Updating yourself on the latest terms ensures a well-grounded decision.

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