Large Business Funding Over £100k UK
Best funding for £100k-£500k: iwoca (best rates 1.15-1.25x), Capify (£100k-£500k specialist), Funding Circle (cheapest 7-12% APR). Personal guarantee usually required for your business growth.
Best Providers for Large Amounts
iwoca
(£100k-£500k)
1.15-1.25x (best MCA rates for large amounts)
Required over £50k
24-48 hours
Fast large funding with competitive rates
Funding Circle
(£100k-£500k)
7-12% APR (cheapest option)
Required
5-7 days
Lowest total cost if you can wait
Capify
(£100k-£500k)
1.20-1.45x (higher cost)
Required
If iwoca/YouLend decline large amount
Cost Comparison: £150k
iwoca (1.20x)
£180k
£30k (20%)
Funding Circle (9% APR)
CHEAPEST£163,740
£13,740 (9%)
Capify (1.35x)
£202,500
£52,500 (35%)
Personal Guarantee Requirements
For amounts over £100k, personal guarantee is almost always required by all lenders. This means your personal assets are at risk if business cannot repay. For amounts under £50k, iwoca guarantees no personal guarantee required.
Conclusion
For large amounts (£100k+), consider Funding Circle first - 50-60% cheaper than MCAs. If need speed or declined, iwoca MCA is best (lower rates than Capify/YouLend) for your business growth.
Large Business Funding
£100k-£500k available
Compare MCAs vs traditional loans for your growth plans
Get Large QuotesFrequently Asked Questions
What are the best providers for funding over £100k?+
Best providers: iwoca (£100k-£500k, factor 1.15-1.25x, best MCA rates, 24-48 hour approval), Funding Circle (£100k-£500k, 7-12% APR, cheapest option, 5-7 days), Capify (£100k-£500k, factor 1.20-1.45x, higher cost but accepts if others decline).
Do I need a personal guarantee for funding over £100k?+
Yes, for amounts over £100k, personal guarantee is almost always required by all lenders. This means your personal assets are at risk if business cannot repay. For amounts under £50k, iwoca guarantees no personal guarantee required.
Which is cheaper: MCA or traditional loan for large amounts?+
Traditional loan (Funding Circle) is cheaper: £150k example - Funding Circle (9% APR) costs £13,740 vs iwoca MCA (1.20x) costs £30,000 vs Capify MCA (1.35x) costs £52,500. Funding Circle is 50-60% cheaper but takes 5-7 days vs 24-48 hours for MCAs.