Alternative Business Funding

Simple, quick, convenient

Regulated by the Financial Conduct Authority (FCA), Amplifi Capital provides simple and clear business finance to all types of business.We lend to small businesses because Amplifi Capital knows small businesses. We know what it takes in the quest for success, but sometimes the money is not there when you need it most — when you need that new stock or to refurbish your office, or even to bridge the cash flow gap during your quiet times...That is why Amplifi Capital offers the kind of credit that small businesses need — easy, transparent, bespoke lending to put you in control. We have all the financial experience of a large scale lender, but with the personal touch. Contact us today and you will soon see what we mean.

Established in 2014, Archover is a P2P lender of business loans. The minimum businesses can borrow is £250k over a fixed term period of 3 to 36 months.

Invest via 4 different products; 'Secured & Insured' which leverages finance against Accounts Receivable (AR) and insures them against late or non-payment, 'Secured & Assigned' which leverages finance against contracted recurring revenues, 'Secured' which leverages finance against ARs or contracted recurring revenue but ARs non-insured/recurring revenue non-assignable and 'Bespoke' which has bespoke security, (usually 2nd Charge against business). There are no fees for lenders, the rate posted is the rate you receive. Fees are only paid by Borrowers.

Fair Finance is a social business based in London. We offer a range of financial products and services designed to meet the needs of people who are financially excluded. We aim to revolutionize personal finance, starting with the people whom the mainstream providers have left behind.

We are committed to providing high quality products and services that are affordable and accessible. Wherever possible we work in partnership with other companies and agencies that share our goals.

Most of our customers are ignored by the mainstream financial services industry and exploited by the sub-prime financial services industry. When we have helped to put the loan sharks and predatory lenders out of business, then we will know we have been successful.

Growth street are a peer to peer lender of business loans. Businesses are able to borrow from £30k to £1m using Growth Street's GrowthLine and only pay interest on what they use and make repayments at any time.

Investors decide on the interest rate they're looking for and are then matched to a borrower. The minimum investment amount to invest in business loans is £10. All Growth Street loans are 30 days in length. This means that, subject to borrower repayments, investors should have to wait a maximum of 30 days from giving notice, to access all the money they have invested. Lending through Growth Street is completely free of fees. Growth Street makes its money from the charges issued to borrowers for the use of their facilities.

Sign up in minutes

It’s completely free to sign up and there are no commitments. We just need some basic details in order to verify your business.

Get approved

Credit limits are based on your business performance - we can typically lend up to one month’s revenue, or up to £10,000 for a startup business.

Take the funds

Draw down as much as you need, when you're ready. Most businesses use iwoca to manage cash flow gaps, buy stock or make investments.

Repay or top up

Keep the funds for 6 months or repay early to save interest. You can also top up to your credit limit (subject to approval).

Ratesetter are a P2P lender, established in 2010. There are 4 ways of earning interest on your money; monthly rolling market rate, 1 year market rate, 5 year market rate or set your own interest rate. You do not earn interest on your capital if Ratesetter has not lent your money out. Your money is more likely to be lent out if you operate within their market rates.

They offer business loans, personal loans and property loans. All loans are backed by a personal guarantee or secured against an asset or property. You cannot choose which loans you are investing in, Ratesetter allocate the loans for you. If you wish to exit early you can use their 'Sellout' function provided there are funds available in the market to replace the amount being withdrawn. You may not receive all of the predicted interest if you exit early. There is no charge to exit if you are using the rolling market. There is a 0.3% charge of your capital to withdraw funds from the 1 year market and a 1.5% charge to withdraw funds from the 5 year market.

Ratesetter operate a provision fund which pays out if the borrower defaults on their loan repayments. They currently boast that not one investor has lost any money through investing with Ratesetter. If the provision fund is completely exhausted, Ratesetter have a secondary capital buffer to dip into which is made up of future interest and provision fund inflows. If all of these protections fail, Ratesetter will divide losses up equally amongst all investors.

Ultimate Finance Group specialises in providing fast, flexible, fair funding for small businesses that frees them from the headache of funding. As a small independent business our self, we understand the importance of being able to access the funding you need, when you need it, whatever the size and stage of your business.

That’s why we are committed to creating a range of funding options that can help balance the books of every business in the UK, from simple loans and asset finance to more sophisticated supply chain and invoice finance products.

As part of the Tavistock Group, we have access to formidable financial firepower so you can be confident of our support, in good times and bad, now and into the future.