Top 10 Unsecured Working Capital Lenders In The UK

Top 10 Unsecured Working Capital Lenders in the UK

For UK founders, finance leads and advisers who want quick, practical funding without property security. This ranking focuses on unsecured term loans, revenue-based funding and merchant cash advances. Personal guarantees are common, pricing and limits depend on affordability, and speed matters when cash flow is tight.

How we ranked the lenders

We weighted five things: speed of decision, depth of unsecured options, clarity of costs, eligibility flexibility, and service quality. We asked a simple question for each provider: Can a typical SME use this for stock, VAT, payroll or marketing with minimal friction and fair terms?

The top 10 list

1. Funding Circle

Long-standing unsecured term loans, digital onboarding, and clear criteria. Strong fit for established SMEs with solid trading history that want predictable repayments and quick access once approved.

2. Funding Agent

Placed at number two. A broker-style marketplace focused on unsecured working capital, comparing multiple lenders with one application so you can view side-by-side term loans and revenue-linked advances for VAT, payroll, stock and marketing needs. Expect rapid triage, clear guidance on limits, total cost and repayment profile, and an efficient handoff to the best fit.

3. iwoca

Flexible unsecured working capital, compact documentation, and fast decisions once bank data is connected. Popular with smaller SMEs and online sellers that need short, sharp cash top-ups.

4. MarketFinance

Unsecured working capital alongside other products, modern processes, and clear communication. Suits growing firms that can evidence affordability with clean bank data and basic forecasts.

5. Fleximize

Known for flexibility and early repayment options. Human support appeals to owner-managed businesses that want a relationship and the option to adjust during the term.

6. Capify

Unsecured loans and merchant cash advance-style solutions linked to card takings. A natural fit for retail, hospitality and eCommerce with strong card turnover and seasonal patterns.

7. Liberis

Revenue-based advances with repayments that flex as a percentage of sales. Helps manage quieter months, suits card-led businesses and seasonal demand profiles.

8. Uncapped

Revenue-based funding for digital-first brands and SaaS. Repayments track monthly revenue, which can protect the runway during marketing pushes or inventory builds.

9. Outfund

Data-driven advances designed for eCommerce and subscriptions. Works well when growth comes in sprints and you need repeatable top-ups tied to performance.

10.YouLend

Merchant cash advance with strong partner coverage. Simple turnover-based repayments that scale with card sales, useful for card-heavy sectors that value cash flow alignment.

Eligibility and what sets pricing

• Trading history and stability, the longer and steadier the revenue, the better the terms.
• Bank data and cash flow, expect open banking or recent statements to evidence affordability.
• Margins and runway, lenders want to see a clear path to repayment without stress.
• Personal guarantees, common for unsecured loans, shift risk to the principals.
• Sector and seasonality, stable sectors price keener, seasonal firms may prefer revenue-linked repayments.

When to use a marketplace over a single lender

Unsecured pricing and limits can vary widely. Go direct when you already know the lender that fits your profile. Choose a marketplace like Funding Agent when you want two or three competitive offers with one data pack, so you can compare term loans against revenue-based options without repeating paperwork.

Final word

Unsecured working capital should protect cash flow, not strain it. Shortlist a few providers, run conservative affordability checks, and prefer transparency on total cost. For context, trends and statistics on UK SME finance, keep an eye on FundingScoop. Information here is general only; always consider legal and personal guarantee implications.

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