Business Finance Lenders We Work With
Finding the right funding often means dealing with several lenders before you find one that fits. We’ve done that groundwork for you. Apt Pay works with eight business finance lenders and providers, each specialising in a different type of funding, so you can compare your options through a single enquiry rather than filling in the same form eight times.
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Our Commercial Funding Panel
Below is the full panel of lenders and providers we work with, what each one offers, and roughly who they suit. You’ll also find a quick eligibility snapshot, a short guide to choosing between them, and answers to the questions we’re asked most often.
The Business Finance Lenders in Our Panel
| Lender | What it offers | Typical amount | Speed |
| YouLend | Cash advance repaid as a fixed percentage of your card or e-commerce takings | £10,000 to £1,000,000 | 1 to 7 days |
| Capify | Unsecured business loan with fixed repayments | £5,000 to £500,000 | Within 24 hours of approval |
| 365 Finance | Merchant cash advance repaid via card sales, no fixed monthly amount | £10,000 to £400,000 | Around 24 hours to approve |
| Funding Circle | Fixed-rate business loan with a set term | £10,000 to £500,000 | Decision often within an hour |
| iwoca | Flexi-Loan you draw down and repay as needed | £1,000 to £500,000 | 5-minute application, decision in around 24 hours |
| Bizcap | Business loan with flexible repayment terms | Up to £750,000 | Funds in as little as 3 hours |
| SAPI | Embedded cash advance built into your existing payment system | £10,000 to £500,000 | Days rather than weeks |
| Cubefunder | Unsecured business loan with daily, weekly or monthly repayments | £5,000 to £100,000 | As little as 48 hours |
Each lender has its own dedicated page with full details on rates, eligibility and the application process.
The table above is a starting point, not the full picture.
How we choose our lending partners
Before working with a lender, we look at how quickly they actually pay out once approved, whether their fees and terms are stated upfront rather than buried in the small print, and whether they understand the sector you operate in.
A lender that’s a good fit for a card-heavy retail business isn’t necessarily a good fit for a construction firm waiting on invoice payments, so we try to keep enough range in the panel to cover both.
Types of Business Finance Available Through Our Panel
Between these eight partners, you’re looking at four broad categories: cash advances repaid through card takings, unsecured loans with fixed monthly repayments, flexible facilities you can draw down as needed, and short-term loans built for speed over cost.
If you want the fuller picture, including secured lending, invoice finance and commercial mortgages, our guide to business finance brokers sets out every finance type we cover.
How We Choose The Right Lender For Your Business
Between these eight partners, you’re looking at four broad categories: cash advances repaid through card takings, unsecured loans with fixed monthly repayments, flexible facilities you can draw down as needed, and short-term loans built for speed over cost.
If you want the fuller picture, including secured lending, invoice finance and commercial mortgages, our guide to business finance brokers sets out every finance type we cover.
Speed versus cost
If you need funds within hours, that generally means a cash advance or short-term loan rather than a lower-rate fixed-term product, which takes longer to arrange.
Repayment style
A fixed monthly repayment is predictable and easier to budget around. A repayment tied to a percentage of your card takings flexes with quieter months, but the total cost is harder to pin down in advance.
How your business runs day to day
A card-heavy retail or hospitality business is often well suited to a cash advance product like YouLend or 365 Finance. A business with steadier, invoiced income may find a fixed-term loan from Funding Circle or iwoca a more natural fit.
If you’re not sure which category applies to you, that’s exactly what the initial conversation is for.
Eligibility at a glance
Every lender sets its own criteria, but here’s a general snapshot to help you rule options in or out quickly.
|
Lender |
Minimum trading history |
Minimum turnover |
|
YouLend |
3 months |
£1,500 in monthly card transactions |
|
Capify |
12 months |
£10,000 monthly turnover |
|
365 Finance |
6 months |
£10,000 in monthly card transactions |
|
Funding Circle |
1 year |
No fixed minimum stated |
|
iwoca |
No fixed minimum stated |
No fixed minimum stated |
|
Bizcap |
6 months |
£50,000 annual turnover |
|
SAPI |
1 year with a payment system in place |
Not stated |
|
Cubefunder |
3 months |
£4,000 monthly turnover |
These are general guides rather than guarantees. Full criteria sit on each lender’s own page, and the only way to know for certain is to ask.
Broker or Direct Lender: Does it matter which you use?
Going direct to a single lender means one set of terms and one shot at approval. Using a broker with a panel like ours means one enquiry gets checked against several lenders at once, often including ones you wouldn’t have found or approached on your own. For a fuller breakdown of the difference, see our page on business loan brokers.
Get matched with a lender
It’s worth noting that most business finance, unlike personal borrowing, isn’t a regulated product. That’s exactly why comparing lenders and understanding the terms upfront matters. Tell us what you need, and we’ll match you against the panel above at no cost and with no obligation to proceed.
FAQ
How many lenders does Apt Pay work with?
Eight at the time of writing: YouLend, Capify, 365 Finance, Funding Circle, iwoca, Bizcap, SAPI and Cubefunder. Each one covers a slightly different type of funding.
Will applying affect my credit score?
Most of our lending partners use a soft search at the initial stage, which doesn’t affect your credit score. A hard search only tends to happen once you formally proceed with a specific lender, and always with your knowledge.
Can I apply to more than one lender on the panel?
Yes. Part of the point of working with a panel is that we can point you towards more than one option if it’s useful to compare offers before deciding.
How is Apt Pay paid for arranging finance?
In most cases, the lender pays us a fee once your finance completes, so there’s no cost to you as the borrower. For more complex or specialist deals, a client fee may apply instead. We’ll always confirm which applies to your enquiry before you proceed.
What if my business doesn't fit any of these lenders?
Get in touch anyway. We regularly work with businesses outside standard criteria, and if none of the eight is right, we can usually point you towards a more suitable option.
Please note: AptPay exclusively provides unregulated finance solutions to limited companies incorporated in the UK