We use cookies to improve your experience on this site. By viewing our pages, you give us consent to use cookies. Find out more.

Alternative Business Funding

I would like to borrow

over

  • Min Trading Period
    6 months

    Minimum Amount
    £3,500

    Maximum Amount
    £100,000

    Loan Term (months)
    3 - 12

    Loan Rates
    73.16%

    Est. total repayment

    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.

     

    Visit
    More details
    Available to:
    Purpose:
    Type of funding available:
    Loan security required:
  • Min Trading Period
    24 months

    Minimum Amount
    £250,000

    Maximum Amount
    £15,000,000

    Loan Term (months)
    3 - 24

    Loan Rates
    8.45%

    Est. total repayment

    ArchOver was founded by a group of entrepreneurs who have run successful startups, AIM listed technology firms and digital businesses. We are backed by the Hampden Group that manages in excess of £4 billion of assets within the Lloyd’s insurance market. ArchOver are currently the fastest growing UK SME crowdlender in the UK (Altfi.com) having pioneered Secured & Insured lending. The team are highly experienced in their various fields and their combined knowledge brings a truly diverse and valuable blend of skills together within one business. We have recently moved into much larger premises at the 5th Floor, 40 Gracechurch Street to support our expansion.

    Visit
    More details
    Available to:
    Existing business, Limited companies, LLP's, Partnerships, Plc, Sole traders
    Purpose:
    Capital expenditure, Crowd debts, Import / Export, MBO / MBI, Project led, Property purchase, Refinance, Working capital
    Type of funding available:
    Cashflow loans, P2P business, P2P invoice trading, Working capital
    Loan security required:
    1st charge, Debenture, Debtor ledger, Fixed assets, Multiple invoices, Positive balance sheet, Single invoice
  • Min Trading Period
    Start-up

    Minimum Amount
    £7,000

    Maximum Amount
    £100,000

    Loan Term (months)
    N/A

    Loan Rates
    59.4%

    Est. total repayment

    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.

     

    Visit
    More details
    Available to:
    Existing business, Limited companies, LLP's, Partnerships, Plc, Sole traders
    Purpose:
    Capital expenditure, Crowd debts, Import / Export, MBO / MBI, Project led, Property purchase, Refinance, Working capital
    Type of funding available:
    Cashflow loans, Merchant cash advance, P2P invoice trading, Trade finance, Working capital
    Loan security required:
    1st charge, 2nd charge, Business guaranteed, Commercial premises, Debenture, Debtor ledger, Fixed assets, Multiple invoices, Personal guarantee
  • Min Trading Period
    21 months

    Minimum Amount
    £5,000

    Maximum Amount
    £50,000

    Loan Term (months)
    3 - 36

    Loan Rates
    69.9%

    Est. total repayment

    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.

     

    Visit
    More details
    Available to:
    Existing business, Limited companies, LLP's, Partnerships, Plc, Sole traders, SPV
    Purpose:
    Capital expenditure, Crowd debts, Import / Export, Refinance, Working capital
    Type of funding available:
    Cashflow loans, Export finance, Renewable energy, Trade finance, Working capital
    Loan security required:
    Personal guarantee
  • Sponsored

    Min Trading Period
    24 months

    Minimum Amount
    £5,000

    Maximum Amount
    £1,000,000

    Loan Term (months)
    6 - 60

    Loan Rates
    4.5%

    Est. total repayment

    Funding Circle is the world’s leading online marketplace for business loans, enabling investors to directly lend to small businesses. Businesses can borrow between £5,000 and £500,000, while investors can earn great rates. Since launching in August 2010, Funding Circle has helped over 28,000 businesses. Investors include thousands of individuals, the Government-backed British Business Bank, local councils and universities.

    Visit
    More details
    Available to:
    Limited companies, LLP's, Partnerships, Sole traders
    Purpose:
    Capital expenditure, Import / Export, Project led, Property purchase, Refinance, Working capital
    Type of funding available:
    P2P business
    Loan security required:
    Personal guarantee
  • Min Trading Period
    24 months

    Minimum Amount
    £1,000

    Maximum Amount
    £500,000

    Loan Term (months)
    1 - 12

    Loan Rates
    7.2%

    Est. total repayment

    Whilst high street banks are reducing their lending to SMEs, Growth Street is dedicated to helping great businesses grow by providing fast and simple access to better business overdrafts. Our simple online application takes just 15 minutes to complete and if eligible, you will receive an offer within 3 working days.

    Borrow from £1,000 to £500,000, only pay interest on what you use and make repayments at any time. We charge a 2% annual fee, there are no hidden charges and it's easy to extend your facility for another year.

    Visit
    More details
    Available to:
    Existing business, Limited companies, Plc
    Purpose:
    Capital expenditure, Import / Export, Refinance, Working capital
    Type of funding available:
    Cashflow loans, P2P business, P2P invoice trading, Working capital
    Loan security required:
    1st charge, 2nd charge, Debenture, Personal guarantee, Positive balance sheet, Single invoice
  • Min Trading Period
    Start-up

    Minimum Amount
    £1,000

    Maximum Amount
    £100,000

    Loan Term (months)
    1 - 12

    Loan Rates
    49%

    Est. total repayment

    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).

    Visit
    More details
    Available to:
    Existing business, Limited companies, LLP's, Partnerships, Plc, Sole traders, SPV
    Purpose:
    Capital expenditure, Crowd debts, Import / Export, MBO / MBI, Refinance, Start-up, Working capital
    Type of funding available:
    Cashflow loans, Trade finance, Working capital
    Loan security required:
    Personal guarantee
  • Sponsored

    Min Trading Period
    24 months

    Minimum Amount
    £10,000

    Maximum Amount
    £250,000

    Loan Term (months)
    1 - 15

    Loan Rates
    24.20%

    Est. total repayment

    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 application

    Visit
    More details
    Available to:
    Existing business, Limited companies, LLP's, Partnerships, Sole traders
    Purpose:
    Capital expenditure, Import / Export, MBO / MBI, Project led, Working capital
    Type of funding available:
    Cashflow loans, Merchant cash advance, Trade finance, Working capital
    Loan security required:
  • Min Trading Period
    36 months

    Minimum Amount
    £25,000

    Maximum Amount
    £750,000

    Loan Term (months)
    3 - 60

    Loan Rates
    6.9%

    Est. total repayment

    Ratesetter launched in the UK in 2010. A number of investors included major investment fund managers, Woodford Investment Management and Artemis. Ratesetter were the first globally to launch a monthly and 1 year lending market. They were also the first globally to launch a Provision Fund. They were a founding member of the Peer-to-Peer Finance Association in 2011. They currently have a 100% track record - no lender has lost a penny since launch in 2010.

    Visit
    More details
    Available to:
    Existing business, Limited companies, LLP's, Partnerships, Sole traders
    Purpose:
    Capital expenditure, Import / Export, MBO / MBI, Project led, Property purchase, Refinance, Working capital
    Type of funding available:
    Cashflow loans, P2P business, P2P commercial mortgage, P2P property secured, Renewable energy, Trade finance, Working capital
    Loan security required:
    1st charge, 2nd charge, Business guaranteed, Commercial premises, Debenture, Fixed assets, Personal guarantee, Positive balance sheet
  • Min Trading Period
    Start-up

    Minimum Amount
    £2,000

    Maximum Amount
    £1,000,000

    Loan Term (months)
    1 - 12

    Loan Rates
    36.8%

    Est. total repayment

    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.

    Visit
    More details
    Available to:
    Existing business, Limited companies, LLP's, Partnerships, Plc, Sole traders
    Purpose:
    MBO / MBI, Refinance, Working capital
    Type of funding available:
    P2P business, Working capital
    Loan 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.
  • Internet Business Awards Category Award Winner 2015
  • Hertfordshire Business Awards Finalist 2014

As seen in:

  • The Guardian
  • Financial Times
  • Yahoo! Finance
  • The Times
  • The Daily Telegraph