UK cash advance providers, reviewed
The market splits into specialist funders who underwrite advances as their core business, and payment providers who fund their own merchants from card takings data they already hold. Each review covers how the provider prices, what the eligibility looks like, who it genuinely suits and which alternatives are worth quoting alongside it.
365 Business Finance Review
An independent UK review of 365 Business Finance: how its revenue based funding works, who it suits, how the all in cost is quoted and how it compares.
ProviderCapify Review
An independent UK review of Capify: its merchant cash advance and business loans, who it suits, how pricing works and how it compares with 365 and Liberis.
ProviderDojo Funding Review
An independent UK review of Dojo business funding: how the advance works, who funds it, how it is priced, and how it compares with SumUp and Worldpay.
ProviderLiberis Review
An independent UK review of Liberis: how its embedded business cash advance works, which platforms offer it, how it is priced and how it compares with rivals.
ProviderPayPal Working Capital Review
An independent UK review of PayPal Working Capital: eligibility, the single fixed fee, how repayment from PayPal sales works and how it compares with rivals.
ProviderStripe Capital Review
An independent UK review of Stripe Capital: how invitations work, the one fixed fee, repayment from daily Stripe sales, and how it compares with PayPal.
ProviderSumUp Cash Advance Review
An independent UK review of SumUp Cash Advance: how offers are generated, the fixed fee, the minimum monthly payment, and how it compares with rival advances.
ProviderWorldpay Cash Advance Review
An independent review of the Worldpay business cash advance: who provides it, the published funding range and criteria, the cost model and the alternatives.
ProviderYouLend Review
An independent UK review of YouLend: how its embedded funding works, who it suits, how pricing is quoted, and how it compares with Liberis, Capify and 365.
Every factual claim in a review is taken from the provider's own published terms, from Companies House, or from other publicly available sources, and carries the date we checked it. We do not publish ratings we cannot evidence, and we are not affiliated with, endorsed by or acting for any provider named on this site. Where we arrange funding we do so as a broker and we are paid by the funder, which is set out in full on our methodology page.
Get quotes from more than one provider
Factor rates for the same business vary widely between funders. Send us your monthly card takings and the amount you need, and we will compare the market rather than the first offer that landed.