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Invoice finance
Funding against unpaid B2B invoices. Speed > balance sheet.
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Independent · Education-first · UK SME
Finance routes that actually fit your business.
Lendrly maps UK SME lender criteria in plain English — so you can see the likely fit before you apply, not after the decline letter.
Educational guidance. Not financial advice · not a loan offer · subject to lender underwriting.
- 52+
- UK SME lenders tracked
- 10
- core finance types
- 2 min
- to see your fits
- £0
- we don't take commission
INDEPENDENTNO COMMISSIONPLAIN ENGLISHEDUCATION-FIRSTUK SMEREAL CRITERIA
UK SME lenders mappedCriteria can change · subject to lender underwriting
ADIB UKAl Rayan BankAllica BankAmerican ExpressBarclaycardBibbyBLMECapifyCapital on TapCapitaliseFleximizeFunding CircleFunding Options by TideGatehouse BankGrenkeHampshire Trust BankHope CapitaliwocaKriyaLiberisLloyds BankLombardMetro BankNatWestNovuna Business Cash FlowNovuna Business FinanceNucleusOutfundPayPalPropel FinanceQardusRedwood BankSantanderShawbrookShopifySimply Asset FinanceSkipton Business FinanceSquareSumUpSwoopThinCatsTime FinanceTogetherUnited Trust BankWayflyerWest OneYouLendADIB UKAl Rayan BankAllica BankAmerican ExpressBarclaycardBibbyBLMECapifyCapital on TapCapitaliseFleximizeFunding CircleFunding Options by TideGatehouse BankGrenkeHampshire Trust BankHope CapitaliwocaKriyaLiberisLloyds BankLombardMetro BankNatWestNovuna Business Cash FlowNovuna Business FinanceNucleusOutfundPayPalPropel FinanceQardusRedwood BankSantanderShawbrookShopifySimply Asset FinanceSkipton Business FinanceSquareSumUpSwoopThinCatsTime FinanceTogetherUnited Trust BankWayflyerWest OneYouLend
Why Lendrly
Built for owners, not for ad budgets.
A neutral tool for UK small business owners. Compare finance routes by published lender criteria — not by who paid for the top spot.
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Match by criteria, not ads
We map each lender's published eligibility signals — trading history, revenue, security, sector — so you can see likely fits, not sponsored placements.
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Plain-English breakdowns
Every provider page summarises amount ranges, security or personal guarantee posture, and common blockers in clear language. No jargon. No upsell.
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No regulated-broker fluff
Lendrly is not a regulated credit broker and does not submit applications. The site is built to inform, not to push you into a specific lender.
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The Lendrly way
We deal in clarity, not in commission.
Many "finance match" tools are credit brokers paid by the lender. We're not. We publish what each lender looks for so you can read the room before you apply — and walk in already knowing the hand you've been dealt.
The deck
Open the deck →Ten cards. Pick the routes that suit your hand.
Eligibility signals, common blockers and matching lender criteria for each finance type. Read the lender language without the lender pitch.
MER
Merchant Cash Advance
Cash advance repaid as a share of card/POS/platform sales.
Eligibility map
REV
Revenue-Based Finance
Growth capital repaid flexibly against future revenue.
Eligibility map
UNS
Unsecured Business Loan
Term loan or credit line repaid through fixed instalments.
Eligibility map
SEC
Secured Business Loan
Larger bespoke cashflow or asset-backed debt.
Eligibility map
INV
Invoice Finance
Funding advanced against unpaid B2B invoices.
Eligibility map
ASS
Asset Finance
Finance to buy/refinance equipment, vehicles or machinery.
Eligibility map
BRI
Bridging Finance
Short-term property-backed finance.
Eligibility map
COM
Commercial Mortgage
Long-term commercial property purchase/refinance funding.
Eligibility map
ISL
Islamic Business Finance
Sharia-compliant SME or property finance.
Eligibility map
BUS
Business Credit Card
Revolving credit/charge card for expenses and short-term spend.
Eligibility map
The four moves
From a few questions to lender criteria.
No applications submitted on your behalf. No phone calls from brokers. Just the clearest view of your options we can build.
- 01Step 1/4
Answer a few questions
Trading history, turnover, funding amount, sector and what the money is for. Around two minutes.
- 02Step 2/4
See your top product fits
We rank finance types against your profile and explain which signals support each route and which may block it.
- 03Step 3/4
Browse lender criteria
Open the matching provider library to compare amount ranges, security posture and speed for each lender.
- 04Step 4/4
Talk to lenders directly
When you are ready, approach lenders yourself. We do not submit applications on your behalf.
Field notes
All guides →Plain-English answers to the questions owners ask most.
Editorial explainers on finance routes, eligibility, decline reasons and what UK lenders actually look at.
ExplainerG/01
What is invoice finance?
How funding against unpaid B2B invoices works, who it tends to suit, and the eligibility signals UK lenders look for.
ReadCompareG/02
MCA vs business loan
Repayment mechanics, cost structure, eligibility differences and the situations in which each route tends to fit.
ReadEligibilityG/03
Finance with bad credit
Which finance types are sometimes accessible with adverse credit, what lenders weigh most, and how to improve fit.
ReadDiagnoseG/04
Why applications get declined
The most common reasons UK SME finance applications are turned down and the eligibility signals to address first.
ReadLender library
52+ UK SME lenders. In their own words.
Browse the lender library to see amount ranges, trading-history signals, security posture and speed notes for each provider. Criteria can change; final approval is subject to lender underwriting.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.