Top MCA Loan Lenders for Small 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 offers a range of business finance options suitable for various needs. It is often appropriate for SMEs seeking quick access to funds, flexible repayment terms, and solutions that can be tailored without collateral. Its services are brokered to match businesses with lenders focusing on growth and operational finance.

Loan Details

• Min Amount: £5,000
• Max Amount: £200,000
• Min APR: 6.9%
• Max APR: 14.9%
• Loan Duration: 6–60 months⌛

Services & Industries

• Finance Types: Merchant Cash Advance, Term Loans
• Industries: Retail, Hospitality, Healthcare

Pros

• Flexible funding options
• High approval rate

Cons

• Higher APR for low credit scores

Sources: https://www.fundingagent.co.uk/services

2. YouLend

YouLend provides flexible capital solutions often used for working capital, inventory, or growth funding. It connects SMEs with options that are fast and accessible through various repayment types. It is suitable for businesses wanting quick funding with minimal security.

Loan Details

• Min Amount: £3,000
• Max Amount: £1,000,000
• Min APR: 14%
• Max APR: 35%
• Loan Duration: 3–12 months⌛

Services & Industries

• Finance Types: Revenue-Based Financing, Merchant Cash Advance
• Industries: E-commerce, Technology, Healthcare

Pros

• High approval rate
• No collateral required

Cons

• Higher costs for long-term borrowing

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

3. Liberis

Liberis offers flexible financing options primarily for cash flow management and sales-based funding. It is often suitable for SMEs seeking quick access to funds with minimal security requirements. Its focus is on business cash advances and receivables finance.

Loan Details

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

Services & Industries

• Finance Types: Business Cash Advance
• Industries: Retail, Hospitality, Restaurants

Pros

• Flexible repayments based on revenue

Cons

• No fixed APR

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

4. 365 Business Finance

365 Business Finance offers funding solutions often used for cash flow or growth. Its flexible terms and quick access options are designed to support SMEs with operational needs. The focus is on revenue-based and short-term financing with straightforward application processes.

Loan Details

• Min Amount: £10,000
• Max Amount: £500,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: Flexible terms⌛

Services & Industries

• Finance Types: Revenue-Based Financing
• Industries: Retail, Services, Healthcare

Pros

• No fixed repayments
• Quick access to funds

Cons

• Cost varies with revenue

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

5. Capify

Capify provides simple financing options suitable for quick funding. It facilitates a range of products including business loans and cash advances. Its flexibility and fast approval process make it popular for SMEs seeking immediate working capital.

Loan Details

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

Services & Industries

• Finance Types: Business Loans, Cash Advance
• Industries: Retail, Manufacturing, Healthcare

Pros

• Quick approval process
• No early repayment fees

Cons

• High APR rates

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

6. Momenta Finance

Momenta Finance offers funding options tailored for SMEs looking for growth capital. It is appropriate for those seeking financing through secured or unsecured business loans with flexible structures. The provider emphasises quick processing and personalised solutions.

Loan Details

• Min Amount: £50,000
• Max Amount: £1,500,000
• Min APR: 7.5%
• Max APR: 25%
• Loan Duration: 6-72 months⌛

Services & Industries

• Finance Types: Secured Loans, Unsecured Loans
• Industries: Construction, Retail, Healthcare

Pros

• Flexible loan terms
• Personalized solutions

Cons

• Require personal guarantees for larger amounts

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

7. Nucleus

Nucleus provides business finance solutions often used for growth, acquisitions, or working capital. It offers revenue-based and unsecured loan options suited for SMEs with varying needs and credit profiles. The provider emphasises fast funding and tailored terms.

Loan Details

• Min Amount: £3,000
• Max Amount: £300,000
• Min APR: 5%
• Max APR: 12%
• Loan Duration: 3-24 months⌛

Services & Industries

• Finance Types: Revenue-Based Financing, Unsecured Loans
• Industries: IT Services, Manufacturing, Retail

Pros

• Lower APR for high-risk clients
• Quick funding

Cons

• Short loan durations

Sources: https://www.nucleuscommercialfinance.com/

8. Love Finance

Love Finance provides quick and flexible finance solutions mainly for working capital and growth funding. It is suitable for SMEs needing fast access to unsecured loans with straightforward application processes. The provider emphasises speed and convenience for small businesses.

Loan Details

• Min Amount: £1,000
• Max Amount: £750,000
• Min APR: 6.9%
• Max APR: 15.5%
• Loan Duration: 1-48 months⌛

Services & Industries

• Finance Types: Unsecured Loans, Short-term Loans
• Industries: Service, Retail, Tech

Pros

• High speed of application
• No collateral required

Cons

• Higher loan costs for low credit scores

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

9. Fundshop (Now SpiritInvest)

Fundshop offers competitive rates and a range of finance options suitable for SMEs seeking operational and growth funding. It focuses on quick approval, flexible terms, and access tailored to business needs. The service is often used for cash flow smoothing and expansion projects.

Loan Details

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

Services & Industries

• Finance Types: Business Loans
• Industries: Retail, Manufacturing

Pros

• Low rates compared to banks

Cons

• Limited information on loan terms

Sources: https://www.fundshop.com

10. Credibly

Credibly offers fast and flexible small business financing options suitable for various sectors. It specialises in providing personalised loan solutions with quick processing times. This makes it appropriate for SMEs needing rapid access to working capital, equipment, or growth funding.

Loan Details

• Min Amount: £0
• Max Amount: £600,000
• Min APR: 8%
• Max APR: 25%
• Loan Duration: 3-24 months⌛

Services & Industries

• Finance Types: Small Business Loans, Financing Solutions
• Industries: Restaurants, Retail, Healthcare

Pros

• Fast approval
• Personalized loan terms

Cons

• APR can be high for startups

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

How to choose

To select the best provider for your small business, consider your financing needs and how quickly the funds are required. Industry-specific lenders or brokers can offer tailored solutions. Assess the size of your loan, repayment flexibility, and associated costs. Always review eligibility criteria, fees, and early repayment terms before applying. Matching an lender’s services to your business activity ensures smoother funding and better terms.

Conclusion

Matching provider types to your needs helps ensure the right funding. Banks tend to suit larger, secured loans with longer terms. Brokers can connect you to various lenders for customised solutions. Specialist providers like funding agents or online platforms often offer quick access and flexible options. Always confirm current costs and terms with the lender; pricing may change. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Other providers suit larger amounts, asset-backed needs, or sector specialisms. Always confirm current costs and terms with the lender; pricing may change.