Lender directory
UK cash flow finance lenders
UK lenders publishing criteria for cashflow-led products: short-term unsecured loans, revolving credit, invoice finance and merchant cash advances. Suitability depends on revenue mix, payment terms and how predictable the cashflow gap is.
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
UK lenders tracked (19)
Listed A-Z. Not a ranking or recommendation.
- BI
Bibby
Invoice Finance
Bibby Financial Services is a long-established UK invoice and trade finance provider serving SMEs across multiple sectors.
See lender profile - CA
Capify
Unsecured Business Loan
Capify is a UK alternative finance provider focused on merchant cash advances and small business loans for retail and hospitality SMEs.
Amount: £5k–£1m
See lender profile - FL
Fleximize
Unsecured Business Loan
Fleximize is a UK alternative SME lender offering flexible secured and unsecured term loans with revenue-linked features.
Amount: £10k–£1m
See lender profile - FC
Funding Circle
Unsecured Business Loan
Funding Circle is a UK-listed direct lender offering unsecured term loans, FlexiPay and a credit card to established UK SMEs.
Amount: £10k–£750k
See lender profile - IW
iwoca
Unsecured Business Loan
iwoca is a UK alternative SME lender providing flexible short-term loans and credit lines, often used for working capital and stock.
Amount: £1k–£1m
See lender profile - KR
Kriya
Invoice Finance
Kriya (formerly MarketFinance) is a UK B2B payments and invoice finance provider serving SMEs and larger trading businesses.
Amount: Up to 90% invoice advance
See lender profile - LI
Liberis
Merchant Cash Advance
Liberis provides embedded merchant cash advance and revenue-based finance products through partner platforms to UK and international SMEs.
Amount: £500–£1m; flexi up to £2m via partners
See lender profile - NA
NatWest
Invoice Finance · Commercial Mortgage · Business Credit Card
NatWest is a UK high-street bank offering SME term loans, overdrafts, commercial mortgages and asset finance (via Lombard).
Amount: Standard card: turnover up to £2m; OneCard £2m+
See lender profile - NF
Novuna Business Cash Flow
Invoice Finance
Novuna Business Cash Flow is the invoice finance arm of Novuna (formerly Hitachi Capital UK), serving UK SMEs with factoring and discounting.
Amount: Up to 90% invoice value
See lender profile - NU
Nucleus
Revenue-Based Finance · Unsecured Business Loan
Nucleus Commercial Finance is a UK alternative lender providing cashflow loans, asset and invoice finance and property-backed term loans.
Amount: Up to £300k; up to 200% monthly revenue
See lender profile - OU
Outfund
Revenue-Based Finance
Outfund is a UK revenue-based finance provider focused on growth funding for ecommerce, DTC and SaaS businesses.
Amount: $35k–$13m surfaced
See lender profile - PA
PayPal
Merchant Cash Advance
PayPal Working Capital and PayPal Business Loan are short-term funding products for UK SMEs that already process payments via PayPal.
See lender profile - SH
Shopify
Merchant Cash Advance
Shopify Capital provides merchant cash advance and short-term loans to eligible UK Shopify merchants based on store revenue.
Amount: £400–£2m cash advances; £200–£1m loans
See lender profile - SB
Skipton Business Finance
Invoice Finance
Skipton Business Finance is a UK invoice finance specialist offering factoring and invoice discounting to SMEs.
Amount: Up to 90% invoice advance
See lender profile - SQ
Square
Merchant Cash Advance
Square Loans offers short-term financing to eligible UK Square merchants based on processing history through Square's payment platform.
Amount: £100–£250k
See lender profile - SU
SumUp
Merchant Cash Advance
SumUp Cash Advance offers short-term funding to eligible UK SumUp merchants based on card processing volumes.
Amount: £500–£100k
See lender profile - TI
Time Finance
Invoice Finance
Time Finance is a UK alternative lender providing asset finance, invoice finance and unsecured loans to SMEs.
Amount: Up to 90% invoice advance
See lender profile - WA
Wayflyer
Revenue-Based Finance
Wayflyer is a revenue-based finance provider offering working capital and growth funding to ecommerce and DTC businesses in the UK.
Amount: Up to £1m SMB; up to £20m broader platform
See lender profile - YO
YouLend
Merchant Cash Advance
YouLend provides embedded revenue-based finance and merchant cash advance through partner platforms to UK and international SMEs.
Amount: Up to 2x monthly revenue
See lender profile
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
How to use this directory
The directory is built for research, not for ranking lenders against each other. Two lenders covering the same theme can take very different views on trading history, sector risk, security and personal guarantees. Open each lender's profile to read the eligibility breakdown by product, including common blockers, typical repayment structure and speed to funding.
Lendrly does not act as a regulated credit broker. We do not submit applications on your behalf and we do not earn commission per lender click. Provider information is summarised from publicly available material and may not be exhaustive. Where details are not publicly disclosed, the lender's page will say so rather than guess.
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Frequently asked questions
- Which finance type is best for short-term cashflow?
- It depends on the cashflow profile. Predictable B2B receivables suit invoice finance. Card-led retail and hospitality suit MCAs. Short, lumpy gaps often suit revolving credit or a short-term unsecured loan. Lendrly's eligibility checker walks through the trade-offs.
- How are lenders listed on this page?
- Lenders appear in alphabetical order. This is not a ranking or a recommendation. Every lender is summarised from its publicly published criteria and may have other products outside this page's scope — see each lender's detail page for the full picture.
- Does appearing on this page mean approval is likely?
- No. Final terms, pricing and approval are subject to each lender's underwriting, affordability checks, credit assessment and documentation. Lendrly summarises published eligibility signals only; it cannot predict any individual application outcome.
- Is Lendrly a regulated credit broker?
- No. Lendrly is an independent education-first guide to UK SME finance. We do not submit applications, do not earn commission per lender click, and do not act as a regulated credit broker. Always confirm criteria, pricing and product availability directly with the lender before applying.
See which of these lenders may fit your business
Run the eligibility checker to compare your business profile against published lender criteria. Educational guidance only — not a quote and not a guarantee of approval.
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.