Alternative Business Funding
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Min Trading Period
6 monthsMinimum Amount
£3,500Maximum Amount
£100,000Loan Term (months)
3 - 12Loan Rates
73.16%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.
VisitMore detailsAvailable to:Purpose:Type of funding available:Loan security required: -
Min Trading Period
24 monthsMinimum Amount
£250,000Maximum Amount
£15,000,000Loan Term (months)
3 - 24Loan Rates
8.45%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.
VisitMore detailsAvailable to:Existing business, Limited companies, LLP's, Partnerships, Plc, Sole tradersPurpose:Capital expenditure, Crowd debts, Import / Export, MBO / MBI, Project led, Property purchase, Refinance, Working capitalType of funding available:Cashflow loans, P2P business, P2P invoice trading, Working capitalLoan security required:1st charge, Debenture, Debtor ledger, Fixed assets, Multiple invoices, Positive balance sheet, Single invoice -
Min Trading Period
Start-upMinimum Amount
£7,000Maximum Amount
£100,000Loan Term (months)
N/ALoan Rates
59.4%For over 23 years, Ashley have been developing finance solutions to help businesses grow. From hotels to hauliers, Ashley have a variety of products to ensure there is a solution for the many different types of businesses out there.
We are a direct lender with a pro-active and flexible approach to business lending, providing business finance to suit the individual needs of each client we work with, including businesses that other lenders may overlook or sidestep such as new starts, seasonal businesses, phoenix companies, businesses with a weak credit history etc.
VisitMore detailsAvailable to:Existing business, Limited companies, LLP's, Partnerships, Plc, Sole tradersPurpose:Capital expenditure, Crowd debts, Import / Export, MBO / MBI, Project led, Property purchase, Refinance, Working capitalType of funding available:Cashflow loans, Merchant cash advance, P2P invoice trading, Trade finance, Working capitalLoan security required:1st charge, 2nd charge, Business guaranteed, Commercial premises, Debenture, Debtor ledger, Fixed assets, Multiple invoices, Personal guarantee -
Min Trading Period
21 monthsMinimum Amount
£5,000Maximum Amount
£50,000Loan Term (months)
3 - 36Loan Rates
69.9%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.
VisitMore detailsAvailable to:Existing business, Limited companies, LLP's, Partnerships, Plc, Sole traders, SPVPurpose:Capital expenditure, Crowd debts, Import / Export, Refinance, Working capitalType of funding available:Cashflow loans, Export finance, Renewable energy, Trade finance, Working capitalLoan security required:Personal guarantee -
Min Trading Period
24 monthsMinimum Amount
£5,000Maximum Amount
£1,000,000Loan Term (months)
6 - 60Loan Rates
4.5%Funding Circle is one of the oldest P2P lenders (est. 2009) for business loans. Enabling investors to directly lend to small businesses via 2 risk band products; Balanced and Concervative and exit via their active secondary market. Businesses can borrow between £5,000 and £500,000. Funding Circle's algorithm decides on which loans you buy. Loans are secured by a personal guarantee of the business owner and the business itself. The AutoLend system diversifies your investment. No more than 1% is invested in a single loan, reducing your risk. Investors include thousands of individuals, the Government-backed British Business Bank, local councils and universities.
VisitMore detailsAvailable to:Limited companies, LLP's, Partnerships, Sole tradersPurpose:Capital expenditure, Import / Export, Project led, Property purchase, Refinance, Working capitalType of funding available:P2P businessLoan security required:Personal guarantee -
Min Trading Period
24 monthsMinimum Amount
£1,000Maximum Amount
£500,000Loan Term (months)
1 - 12Loan Rates
7.2%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.
VisitMore detailsAvailable to:Existing business, Limited companies, PlcPurpose:Capital expenditure, Import / Export, Refinance, Working capitalType of funding available:Cashflow loans, P2P business, P2P invoice trading, Working capitalLoan security required:1st charge, 2nd charge, Debenture, Personal guarantee, Positive balance sheet, Single invoice -
Min Trading Period
Start-upMinimum Amount
£1,000Maximum Amount
£100,000Loan Term (months)
1 - 12Loan Rates
49%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).VisitMore detailsAvailable to:Existing business, Limited companies, LLP's, Partnerships, Plc, Sole traders, SPVPurpose:Capital expenditure, Crowd debts, Import / Export, MBO / MBI, Refinance, Start-up, Working capitalType of funding available:Cashflow loans, Trade finance, Working capitalLoan security required:Personal guarantee -
Min Trading Period
24 monthsMinimum Amount
£10,000Maximum Amount
£250,000Loan Term (months)
1 - 15Loan Rates
24.20%Fast, flexible business loans
Spotcap offers fast, flexible and transparent finance, allowing you to focus on what matters – growing your business. We provide unsecured business loans of up to £250k.
At Spotcap, we help businesses to innovate, grow and stay competitive with fully unsecured loans between £10k and £250k. SMEs can apply, receive a flexible credit line and draw down within 24 hours. There’s no need to go through laborious application forms and our team of industry professionals understand what businesses need. Unlike traditional lenders, we focus on how well your business has performed recently.
Credit lines are fully unsecured
No penalty fees if you repay your loan early
No upfront application fees
Get a loan decision within 24 hours of finalising your online applicationVisitMore detailsAvailable to:Existing business, Limited companies, LLP's, Partnerships, Sole tradersPurpose:Capital expenditure, Import / Export, MBO / MBI, Project led, Working capitalType of funding available:Cashflow loans, Merchant cash advance, Trade finance, Working capitalLoan security required: -
Min Trading Period
36 monthsMinimum Amount
£25,000Maximum Amount
£750,000Loan Term (months)
3 - 60Loan Rates
6.9%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.
VisitMore detailsAvailable to:Existing business, Limited companies, LLP's, Partnerships, Sole tradersPurpose:Capital expenditure, Import / Export, MBO / MBI, Project led, Property purchase, Refinance, Working capitalType of funding available:Cashflow loans, P2P business, P2P commercial mortgage, P2P property secured, Renewable energy, Trade finance, Working capitalLoan security required:1st charge, 2nd charge, Business guaranteed, Commercial premises, Debenture, Fixed assets, Personal guarantee, Positive balance sheet -
Min Trading Period
Start-upMinimum Amount
£2,000Maximum Amount
£1,000,000Loan Term (months)
1 - 12Loan Rates
36.8%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.
VisitMore detailsAvailable to:Existing business, Limited companies, LLP's, Partnerships, Plc, Sole tradersPurpose:MBO / MBI, Refinance, Working capitalType of funding available:P2P business, Working capitalLoan security required:1st charge, Business guaranteed, Fixed assets, Personal guarantee, Positive balance sheet
Disclaimer: The comparison table was compiled in January and February of 2017 and the information has been either sourced from the company’s website or we have called the business. Some businesses have not provided us with the data and this is highlighted in the table. Alternative finance investments are not covered under the FSCS however each company performs its own due diligence procedures and has different methods to protect the investor. Please note in all cases additional fees may apply. We have tried to show this where possible on the table. This table should only be used as a guide and should not be relied upon to make investment decisions. Please note your capital is at risk and businessagent.com may be paid a commission from the company if you invest . Please check the terms and risk warnings thoroughly before investing. Click here for our full risk warning.