UK business finance eligibility explained
Plain-English UK SME finance eligibility guides. Each page answers a specific question — “given my situation, what are my options?” — and points to the finance types and lenders most likely to fit. For an interactive ranked answer, run the eligibility checker.
Asset finance eligibility
What do UK asset finance lenders look at? Eligibility signals for hire purchase and lease against vehicles, plant and equipment.
Read eligibility guideBridging finance eligibility
What do UK bridging lenders look at? Property type, LTV, exit and timing criteria for short-term property-backed finance.
Read eligibility guideBusiness finance after a decline
What to do after a UK business finance application is declined. Why declines happen, how to read the decision, and which routes to try next.
Read eligibility guideBusiness finance for a new business
Realistic UK business finance options when you are under 6 months trading. Which lenders look at new businesses and what they need to see.
Read eligibility guideBusiness finance for limited companies
Business finance options for UK limited companies. Compare unsecured loans, asset finance, invoice finance and other routes against lender criteria.
Read eligibility guideBusiness finance for sole traders
Which UK business finance options accept sole traders. Compare asset finance, MCA and unsecured loan eligibility for self-employed applicants.
Read eligibility guideBusiness finance with 12 months trading
UK business finance options at 12 months trading. Which finance types unlock at the one-year mark and what lenders look at to approve.
Read eligibility guideBusiness finance with 6 months trading
UK business finance options at 6 months trading. Which lenders accept short trading history, what they look at and how to strengthen the application.
Read eligibility guideBusiness finance with bad credit
Which UK business finance products are sometimes accessible with adverse credit, and how to improve the chances of approval.
Read eligibility guideBusiness finance with card sales
How to use card sales to access UK business finance. Compare merchant cash advance lenders and platform-native funding options.
Read eligibility guideBusiness finance with CCJs
Can you get UK business finance with a CCJ? Which lenders accept satisfied and unsatisfied CCJs and how to strengthen the application.
Read eligibility guideBusiness finance with low turnover
Which UK lenders accept SMEs with low monthly turnover? Realistic facility sizes, lender thresholds and how to strengthen the application.
Read eligibility guideBusiness finance with no filed accounts
Which UK lenders accept SMEs with no filed accounts? Bank-statement-only underwriting routes, what they look at, and what to prepare.
Read eligibility guideBusiness finance with no security
Which UK business finance options are available without property or asset security. Compare unsecured loans, MCA and revenue-based finance.
Read eligibility guideBusiness finance with unpaid invoices
How UK B2B businesses use unpaid invoices to access finance. Compare invoice factoring, discounting and selective finance lenders.
Read eligibility guideBusiness finance without a personal guarantee
Which UK SME finance routes do not require a director personal guarantee? Invoice finance, asset finance, MCA — how the security model differs.
Read eligibility guideCommercial mortgage eligibility
What do UK commercial mortgage lenders look at? Deposit, affordability and property type criteria for owner-occupier and investment cases.
Read eligibility guideInvoice finance eligibility
What do UK invoice finance lenders look at? Eligibility signals, common blockers and how to prepare your ledger for application.
Read eligibility guideIslamic business finance eligibility
What do UK Sharia-compliant business finance providers look at? Eligibility criteria for Islamic SME and property finance.
Read eligibility guideMerchant cash advance eligibility
What do UK MCA lenders look at? Eligibility signals, card-sale thresholds and how to qualify for a merchant cash advance.
Read eligibility guide
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.