📊
Business Funding12 min
How to Get Business Funding with Bad Credit UK 2025
7 proven options for poor credit businesses. Alternative lenders with 70%+ approval rates.
Read More33 in-depth articles on card machines, business funding, and payment processing
7 proven options for poor credit businesses. Alternative lenders with 70%+ approval rates.
Read More365 Finance review: 1.15-1.40x rates, 4.5/5 rating, hospitality specialists. Same-day approval. Full analysis.
Read MoreTop 10 UK funding providers ranked. iwoca (#1), YouLend (#2), 365 Finance (#3). Real reviews and costs.
Read MoreEquipment & vehicle financing. HP vs leasing.
Repay as % of revenue. SaaS and e-commerce.
Free funding you never repay. Government and regional grants.
Cash flow finance. Approval in 48 hours.
No collateral. £1k-£500k at 6-35% APR.
Property-backed loans. 4-12% APR, £10k-£5m.
Invoice factoring and plant finance for builders.
Fund growth and second locations. £25k-£5m.
Solve payment delays. Invoice finance vs MCA.
Kickstarter, Seedrs, Crowdcube guide.
iwoca wins on rates (1.08x vs 1.10x) and minimum (£3k vs £8k). Saves £5k on £50k advance.
iwoca wins on rates (saves £6k on £50k). 365 wins on hospitality expertise and speed.
YouLend process explained: Application to funding in 2-3 days. Repayment mechanism, approval criteria, real timeline.
MCA worth it IF you need speed or bank declined. NOT worth it if you can get traditional loan (60% cheaper).
12 proven tips: Apply to right provider, wait until 6mo trading, show stable sales. Improve approval from 60% to 90%.
Capify review: 1.20-1.45x factor rates, good for large amounts (£100k+). More expensive than iwoca/YouLend.
Funding Circle: 6.9-18% APR, 60-70% cheaper than MCAs. Slow (5-7 days) but cheapest option.
iwoca (85%), YouLend (80%), 365 Finance (75%) vs banks (35%). Which lender approves most businesses?
Yes. iwoca, YouLend, 365 Finance approve 70-80% of CCJ businesses. Revenue matters more than credit.
iwoca wins 5/6 categories. Saves £10k on £50k vs Capify. Only use Capify if need £150k+ and iwoca caps you.
New business funding: YouLend (6mo+), iwoca (6mo+), Fund Ourselves (3mo+). 70% approval for 6-12 month businesses.
MCA perfect for seasonal: Repay more in peak, less in off-season. Tourism, garden centers, ice cream shops.
8 ways to fund your restaurant: 365 Finance (MCA specialist), iwoca, equipment finance. £5k-£250k compared.
Best e-commerce funding: YouLend (Shopify/Amazon), iwoca (best rates). £5k-£500k for stock, ads, growth.
Funding for pubs, hotels, restaurants, cafes: 365 Finance (specialists), iwoca (best rates). £5k-£250k.
iwoca (£3k minimum - lowest), YouLend (£8k), 365 Finance (£10k). Which lenders accept YOUR revenue?
80% approval for poor credit businesses. MCAs focus on revenue, not credit scores. £3k-£500k available.
Funding under £50k: iwoca (£1k-£50k, no PG), Start Up Loans (£25k max, 6% APR). Options compared.
Funding over £100k: iwoca, Capify, Funding Circle. Personal guarantee usually required for large amounts.
24-hour funding: 365 Finance (same-day), iwoca (24hrs), YouLend (24-48hrs). Emergency funding available.
Subscribe for the latest guides, tips, and money-saving insights
No spam. Unsubscribe anytime.