Every merchant cash advance and revenue-based finance provider on the Lendus panel, with the factor rate, advance size and card turnover requirement each one publishes, plus 3 picks.
Last reviewed by the Lendus editorial team. Lendus is an introducer, not a lender.
A merchant cash advance gives a business a lump sum repaid as a percentage of its future card takings, so repayments fall in a quiet month and rise in a busy one. It is priced as a factor rate, a multiplier on the advance, and a factor rate is not an APR. A factor rate of 1.2 means £12,000 repaid for every £10,000 advanced, and because there is no fixed term, repaying faster does not reduce what you owe. The providers on this panel that publish a factor rate publish between 1.08 and 1.5, and every merchant cash advance provider here asks for £5,000 a month in card sales.
3 of the 5 panel lenders below, chosen for a specific job. Every figure in these cards is read from that lender's own record. The full panel follows.
YouLend advances £5,000 to £1 million, the highest ceiling of any provider in this table, at a factor rate of 1.1 to 1.5, meaning total repayable of 1.1 to 1.5 times the advance with no fixed term. It decides within 24 hours and often funds within 1 to 3 business days, and asks for 6 months of trading and £5,000 a month in card sales. Its record notes that a revenue-based approach means businesses with imperfect credit can often still qualify. YouLend Limited is authorised and regulated by the Financial Conduct Authority as a payment institution under the Payment Services Regulations 2017, firm reference number 947287.
Liberis advances from £1,000 up to £500,000 at a factor rate of 1.08 to 1.5, the lowest published starting factor rate in this table, and is embedded in payment platforms including Barclaycard and Worldpay, so many businesses receive a pre-qualified offer rather than applying cold. It asks for 6 months of card payment history and £5,000 a month in card sales. Read the regulatory position before you commit: Liberis states that it is not authorised or regulated by the Financial Conduct Authority and that the Financial Ombudsman Service cannot consider a complaint about it. It is registered as an EMD agent, reference number 902157, of Modulr FS Limited, which is the FCA-authorised e-money institution, reference number 900573. Business cash advances are unregulated products.
365 Business Finance publishes a factor rate of 1.1 to 1.4 on advances of £5,000 to £400,000, the narrowest published band in this table, which makes the worst case easier to plan for than the 1.5 top end published by Capify, Liberis and YouLend. It decides within 24 hours and asks for 6 months of trading and £5,000 a month in card sales, and states that poor credit is accepted because approval is based on card revenue. Merchant cash advances are not regulated credit agreements under the Consumer Credit Act; 365 Business Finance Ltd is registered with the Financial Conduct Authority for anti-money laundering purposes.
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Check EligibilityEvery provider on the Lendus panel whose record carries merchant cash advance or revenue-based finance. iwoca appears because its record carries revenue-based finance: it is a credit line priced per month rather than an advance priced as a factor rate, and it is worth pricing against an advance before you commit, because the two are not comparable on their headline numbers.
Lenders that publish a rate are listed first, then those that quote every deal individually. Within each group the order is alphabetical, so a lender's position in this table is not a score.
| Lender | Facility size | Published rate | Decision speed | Minimum trading history | Checked |
|---|---|---|---|---|---|
| 365 Business Finance | £5k to £400k | 1.1 to 1.4factor rate, not an APR | Within 24 hours | 6+ months | |
| Capify † | £3,500 to £500k | 1.1 to 1.5factor rate, not an APR | Decision typically within 24 hours; funds within 1–3 business days | 4+ months for merchant cash advance; 6+ months for business loan | |
| iwoca | £1k to £500k | 2% to 6%per month | Within 24 hours; many decisions made within hours via Open Banking | 3+ months | |
| Liberis | £1k to £500k | 1.08 to 1.5factor rate, not an APR | Decision typically within 24 hours; funds often within 1–3 business days | 6+ months of card payment history | |
| YouLend | £5k to £1m | 1.1 to 1.5factor rate, not an APR | Decision within 24 hours; funds often within 1–3 business days | 6+ months |
Figures are taken from each lender's own published material on the date shown and are indicative, not offers. Where a lender publishes no rate we say so rather than estimating one. A monthly rate and a factor rate are not APRs and do not convert cleanly into one.
A lender's published rate can cover more than one of its products. Each lender's profile carries the full note, including which product the figure applies to and any fees charged on top.
† Lendus has not confirmed the regulatory status of Capify against a primary source, so this page makes no regulatory claim about it. Check the FCA Register at register.fca.org.uk before you commit to any lender.
Reviewed 25 August 2026. This page is built from the Lendus lender panel rather than from a shortlist. Every provider whose record carries merchant cash advance or revenue-based finance appears in the table below, in an order generated from the records themselves: lenders that publish a rate come first, then lenders that quote every deal individually, alphabetically within each group. Position in that table is not a score. The picks above it are editorial, and "best" here means best for a stated job, such as the lowest published factor rate, the largest advance, or the smallest. The reason is written next to each pick, so you can disagree with it. We do not score lenders out of 5 and we do not rank them against one another, because the right lender depends on your size, your trading history and what you are funding. Rates, facility sizes, decision times and eligibility are taken from each lender's own published material on the date shown against it, and are indicative rather than offers. Where a lender publishes no rate, we print that rather than estimating one, and we print a rate in the unit the lender quotes it in, because a monthly rate and a factor rate are not APRs. We make no statement about a firm's regulatory status unless we have confirmed it against a primary source and recorded that source on the lender's own page; where we have not, we say so and point you to the FCA Register.
Lendus receives a commission or referral fee from brokers and lenders when a business we introduce goes on to receive funding. It does not affect the rates you are offered, and it cannot affect the order of the table above, which is generated from the lender records rather than set by hand.
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