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UK business lender reviews: who funds what

Independent write-ups of 100+ UK business lenders: what each funds, who it suits and the alternatives, grouped by finance type. Compare them in minutes.

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Amount
From £10,000 to £20 millionLarger amounts through secured, property and asset-based finance
Security
Secured or unsecuredOptions compared for your case
Suitable businesses
Sole traders to limited companiesPartnerships and LLPs too
Lender panel
300+ lendersWhole-of-market search

In short

What you need to know.

These are independent reviews of the lenders we compare for UK businesses, grouped by the type of finance each is best known for.

Each page covers what the lender funds, who it suits and the alternatives. Use Instant Quotes to see which fit your business today.

About UK business lender reviews

Specialist knowledge. Better outcomes.

These are independent write-ups of lenders we work with when searching the market for UK businesses.

Each page explains who the lender is, what it funds, who it tends to suit and the alternatives worth comparing. Smart Funding Solutions is an independent broker and is not part of any lender listed here.

Lenders change their appetite often, so a write-up is a starting point, not a quote. The quickest way to see which lenders fit your business today is Instant Quotes, which compares lenders in minutes. It is free to enquire; any broker fee is disclosed separately before you proceed.

Explore funding options
  • Access to 300+ lendersWhole-of-market search across our lender panel.
  • Independent brokerSmart Funding Solutions is an independent broker, not a lender.
  • Tailored to your caseYour case presented to lenders suited to it.
  • Support from start to finishOur experts handle the process from start to finish.
Explore this section

Choose the right option

Each option suits a different need. Start with the one closest to yours; we will compare the rest for you.

How to use these lender reviews

Start with the type of finance you need, then read the lenders in that group. Most lenders appear under their main product, but many offer more than one, so check each page for the full range. If you are comparing offers already on the table, our business loan comparison guide explains how to weigh cost, speed and terms side by side, and how lenders assess applications covers what each one will look at.

Unsecured business loans

Lenders whose main product is unsecured business loans. Read our guide to unsecured business loans first if you are new to it.

Merchant cash advance and revenue-based finance

Lenders whose main product is merchant cash advance and revenue-based finance. Read our guide to merchant cash advance and revenue-based finance first if you are new to it.

Revolving credit and flexible facilities

Lenders whose main product is revolving credit and flexible facilities. Read our guide to revolving credit and flexible facilities first if you are new to it.

Invoice finance and asset based lending

Lenders whose main product is invoice finance and asset based lending. Read our guide to invoice finance and asset based lending first if you are new to it.

Asset finance and equipment leasing

Lenders whose main product is asset finance and equipment leasing. Read our guide to asset finance and equipment leasing first if you are new to it.

Secured and property-backed lending

Lenders whose main product is secured and property-backed lending. Read our guide to secured and property-backed lending first if you are new to it.

Specialist and niche lenders

Lenders that focus on a particular sector, structure or type of borrower.

Why use a broker rather than going direct

Every lender has its own criteria, and an application that is declined still leaves a mark on your credit file. We look at your business once, work out which lenders are realistic, and approach the ones most likely to say yes on terms that fit. We present your case properly, answer the lender's questions and keep the process moving. You can also read our guides to banks versus alternative lenders and regional and government-backed loans.

Side by side

Compare your options

How the main business finance structures work. Lenders set their own terms, so treat this as a guide to the questions to ask.

OptionHow you repaySecurityOften used for
Unsecured business loan Fixed instalments, usually monthlyNo charge over assets; a personal guarantee is usually requiredGrowth, stock, tax bills and cash flow
Secured business loan Fixed instalments, often over a longer termA charge over property or other assetsLarger sums, property and refinancing
Revolving credit facility Interest on what you draw; repay and redrawVaries by lender and caseRecurring or uneven cash flow gaps
Merchant cash advance A share of future card takingsNo charge over assetsCard-taking businesses with uneven months
Asset finance Regular payments over the life of the assetThe asset being financedEquipment, vehicles and machinery
Invoice finance Settled as customers pay their invoicesYour unpaid invoicesBusinesses waiting on customer payment

General information only. Every lender has its own criteria, and all finance is subject to status.

FAQs

Questions clients ask

Are these lenders endorsing Smart Funding Solutions?

No. These are our own independent write-ups. Smart Funding Solutions is a broker and is not part of, or endorsed by, any lender listed.

How do you choose which lenders to write about?

These are lenders we compare when searching the market for clients. We add and update pages as lenders change what they offer.

Can I apply to a lender directly?

Yes, you can. Comparing first helps you avoid applications that are unlikely to succeed and shows you options you may not have considered.

Why are rates not shown?

Pricing depends on your business, the amount, the term and security, so any figure without your details would be misleading. Instant Quotes gives indicative terms based on your answers.

Keep exploring

Related funding options

All guides
  1. DiscussTell us what the funding is for.
  2. Explore the marketWe search 300+ lenders and compare offers.
  3. Compare offersWe explain the options clearly.
  4. Move forwardChoose the right facility for your business.
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What our clients say

“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”

Why businesses choose Smart Funding Solutions

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  • No obligation discussion
  • Free to enquire
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