September 30, 2025
Lists

Top 10 Business Loan Lenders using AI in the UK

Discover the leading UK business loan lenders using AI technology in 2025. Find out how AI is changing business loans and choose the best lender for your needs.
Jesse Spence
Finance content writer / Market researcher

For UK franchise buyers and operators, this guide compares loan ranges, APRs, and terms across leading providers, with a focus on eligibility and fit. prices accurate as of 2025-09-30.

RankProviderSummaryLoan range; APR; Term
1Funding AgentFunding Agent is a pioneering firm in the realm of AI-powered business loans, providing seamless and efficient loan solutions to UK SMEs.£1,000–£500,000; 4.9%–15.9% APR; 0–0 months
2LoanTubeLoanTube is a digital credit marketplace in the UK connecting borrowers with a curated panel of over 30 FCA-regulated lenders.£5,000–£250,000; 3.5%–19.9% APR; 0–0 months
3Levr.aiLevr.ai enhances lender capabilities with AI to streamline processes and boost loan efficiency for small businesses.£10,000–£300,000; 5%–20% APR; 0–0 months
4JUDI.AIJUDI.AI provides AI-enhanced lending analytics specifically designed to help lenders in the SMB sector grow profitably.£5,000–£150,000; 6.5%–22% APR; 0–0 months
5ProvenirProvenir offers AI-driven risk decisioning software supporting faster and more effective credit assessments across industries.£15,000–£500,000; 7%–18% APR; 0–0 months
6CascaCasca is an AI-native platform automating loan origination, providing scalable solutions for banks and lenders.£10,000–£200,000; 8%–25% APR; 0–0 months
7JuiceJuice provides flexible funding solutions for e-commerce businesses, leveraging AI to streamline business lending.£2,000–£150,000; 6%–28.9% APR; 0–0 months
8MennaMenna uses AI to assist small businesses with managing finances and accessing loans with smart, data-driven evaluations.£1,000–£100,000; 5.5%–16.7% APR; 0–0 months
9CapifyCapify provides alternative finance solutions offering fast business loans with a focus on speed and customer service.£5,000–£3,000,000; 9%–40% APR; 0–0 months
10ScienapticScienaptic AI implements advanced AI-driven credit decisioning to augment financial inclusion and streamline lending processes.£20,000–£1,000,000; 6%–20% APR; 0–0 months

1. Funding Agent

Funding Agent focuses on AI-powered lending solutions for UK SMEs. It mainly supports franchise buyers, startups, and small businesses seeking efficient, flexible finance options. The platform offers quick approvals and transparent processes with a variety of loan types suitable for growth and operational funding.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 4.9%
  • Max APR: 15.9%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Term Loans, Secured Loans, Unsecured Loans
  • Industries: Various

Pros

  • Fast approval
  • AI-driven assessments

Cons

  • Limited to UK businesses

Sources: https://www.fundingagent.co.uk/post/top-ai-powered-business-loan-platforms

2. LoanTube

LoanTube offers a digital marketplace connecting borrowers with multiple FCA-regulated lenders. It enables quick comparison of loan options, making it suitable for SMEs and startups seeking flexibility. The platform is valued for transparency and a broad network of lending partners.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 3.5%
  • Max APR: 19.9%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Consumer Loans, Business Loans
  • Industries: Various

Pros

  • Transparent terms
  • Multiple lender options

Cons

  • Not all applications get the best rates

Sources: https://uk.trustpilot.com/review/www.loantube.com,https://www.loantube.com https://uk.trustpilot.com/review/www.loantube.com,https://www.loantube.com

3. Levr.ai

Levr.ai specializes in AI-powered solutions for small business finance. It supports fast loan processing, automation, and efficiency. The platform suits SMEs looking for flexible terms and quick approval for working capital and growth projects.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £300,000
  • Min APR: 5%
  • Max APR: 20%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: SME Loans, Business Loans
  • Industries: Small Business Finance

Pros

  • AI-driven solutions
  • Time-efficient

Cons

  • Mainly targets established businesses

Sources: https://levr.ai/,https://slashdot.org/software/comparison/Elysys-Loans-vs-Levr.ai/ https://levr.ai/,https://slashdot.org/software/comparison/Elysys-Loans-vs-Levr.ai/

4. JUDI.AI

JUDI.AI provides AI-powered analytics for lenders in the small business sector. It helps optimise credit decisioning and streamline loan processes. The platform supports fast, data-driven lending decisions mainly suited for SME lending and growth finance.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £150,000
  • Min APR: 6.5%
  • Max APR: 22%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: SMB Loans
  • Industries: Financial Software

Pros

  • Strong analytics
  • Cloud-based platform

Cons

  • Primarily serviced through credit unions

Sources: https://judi.ai/,https://www.fundingagent.co.uk/post/top-ai-powered-business-loan-platforms https://judi.ai/,https://www.fundingagent.co.uk/post/top-ai-powered-business-loan-platforms

5. Provenir

Provenir provides AI-driven risk assessment software to support faster credit decisions. It is suitable for lenders seeking scalable evaluation processes and risk management. The platform is designed for lenders and businesses interested in efficient credit scoring and risk analytics.

Loan Details

  • Min Amount: £15,000
  • Max Amount: £500,000
  • Min APR: 7%
  • Max APR: 18%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Risk Decisioning, Business Loans
  • Industries: Financial Services

Pros

  • Scalable platform
  • Improves risk assessment

Cons

  • Complex setup

Sources: https://www.provenir.com/,https://www.capterra.co.uk/software/7340/provenir-platform https://www.provenir.com/,https://www.capterra.co.uk/software/7340/provenir-platform

6. Casca

Casca specialises in AI-led loan origination solutions for financial institutions. It supports quick, scalable processes for asset-based and unsecured lending. The platform is suited for lenders focusing on automation and efficiency for small to mid-sized loans.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £200,000
  • Min APR: 8%
  • Max APR: 25%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Loan Origination, AI Lending
  • Industries: IT Services

Pros

  • Reduces manual workload
  • Efficient loan processing

Cons

  • High APR compared to competitors

Sources: https://www.cascadian.ai/,https://find-and-update.company-information.service.gov.uk/company/08700421 https://www.cascadian.ai/,https://find-and-update.company-information.service.gov.uk/company/08700421

7. Juice

Juice offers AI-enabled funding options for e-commerce and retail brands. It focuses on fast, flexible finance to support growth and inventory. The platform is suitable for SMEs requiring quick access to working capital and seasonal cash flow management.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £150,000
  • Min APR: 6%
  • Max APR: 28.9%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: E-commerce Loans, SME Loans
  • Industries: E-commerce Finance

Pros

  • Supports small businesses
  • Flexible funding

Cons

  • Higher interest for smaller loans

Sources: https://uk.trustpilot.com/review/getmejuice.com,https://www.paragonbank.co.uk/press-releases/paragon-bank-supports-sme-e-commerce-fintech-juice-ventures-with-20-million-facility-to-drive-expansion https://uk.trustpilot.com/review/getmejuice.com,https://www.paragonbank.co.uk/press-releases/paragon-bank-supports-sme-e-commerce-fintech-juice-ventures-with-20-million-facility-to-drive-expansion

8. Menna

Menna focuses on digital solutions for SME financial management. It offers quick access to business loans secured on assets with flexible repayment options. The platform is suited for growing small businesses needing cash flow support and AI-driven risk assessments.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £100,000
  • Min APR: 5.5%
  • Max APR: 16.7%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Business Finance AI
  • Industries: Small Business Finance

Pros

  • Affordable options
  • Advanced AI integration

Cons

  • Limited to smaller loan amounts

Sources: https://menna.ai/,https://www.wales247.co.uk/menna-ai-secures-500000-investment-to-revolutionise-small-business-finance-with-gen-ai https://menna.ai/,https://www.wales247.co.uk/menna-ai-secures-500000-investment-to-revolutionise-small-business-finance-with-gen-ai

9. Capify

Capify provides alternative finance options for UK SMEs. It focuses on quick, flexible funding solutions for business expansion and working capital. The platform suits SMEs looking for speed and accessible finance with manageable repayment terms.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £3,000,000
  • Min APR: 9%
  • Max APR: 40%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: Alternative Finance, SME Loans
  • Industries: Various

Pros

  • Quick funding
  • Wide loan range

Cons

  • High APR

Sources: https://uk.trustpilot.com/review/capify.co.uk,https://www.nerdwallet.com/uk/business-loans/capify-business-loan-review https://uk.trustpilot.com/review/capify.co.uk,https://www.nerdwallet.com/uk/business-loans/capify-business-loan-review

10. Scienaptic

Scienaptic specialises in AI-based credit decisioning tools that support financial inclusion and reduce lending risks. It facilitates faster approvals and better risk management for lenders and businesses. The platform is aimed at improving credit access through advanced analytics and automation.

Loan Details

  • Min Amount: £20,000
  • Max Amount: £1,000,000
  • Min APR: 6%
  • Max APR: 20%
  • Min Duration: 0 months
  • Max Duration: 0 months

Services & Industries

  • Finance Types: AI Decisioning, Credit Underwriting
  • Industries: Credit Underwriting

Pros

  • Enhances credit risk insights
  • Streamlines credit decisions

Cons

  • Complex integration

Sources: https://www.scienaptic.ai/,https://slashdot.org/software/comparison/Kwik-Loan-vs-Scienaptic/ https://www.scienaptic.ai/,https://slashdot.org/software/comparison/Kwik-Loan-vs-Scienaptic/

How to choose

When selecting a loan provider in the UK with AI capabilities, consider the total costs including fees and interest. Check for any early repayment charges and personal guarantees required. Match the loan term to your business asset life and cash flow needs. It's important to review eligibility criteria, documentation requirements, and processing times. Shortlisting providers based on these factors can help you make an informed decision for your funding needs.

Conclusion

Matching the right provider depends on your specific needs and business type. Banks typically offer large, secured loans. Brokers and marketplace platforms provide more flexibility and choice. Always compare total credit costs and review terms carefully. Look for providers that fit your eligibility and service preferences. For quick comparisons, Funding Agent remains a strong option. Comparing costs and early repayment terms helps avoid surprises and select the best fit for your business.

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