Business Loan Company Reviews

All company reviews featured on our website. All UK-facing companies are approved by the Financial Conduct Authority. All US-facing companies are also regulated by different regulatory bodies in the US (either by governmental facilities, or by state's facilities).

A quick, easy, and effective solution to manage cashflow issues. Get loans against unpaid invoices, starting from $500. Quick and easy approval process, fully automated.

Quick Approval
Praised by Media
Target Audience: US Merchants with Unpaid Invoices

Overall Rating

Effective

Funding Circle, named "revolutionary" by mainstream media, and backed by UK government, is one of the most honest and transparent companies for borrowers from the UK & the US, with APR as low as 6%.

Quick Approval
Average Rating 9.5 in TrustPilot, Backed By UK Gov't
Target Audience: All UK/US Businesses; Min. 2 Year History

Overall Rating

Top Lender

Ezbob has great user feedback, direct investments from the European Treasury office, low minimal requirements, and good loan terms. One of the best UK business loan providers in existence.

Approval within an hour
Average Rating 9.5 in TrustPilot, Backed By EU Treasury
Target Audience: All UK Businesses, Min. Turnover £10,000

Overall Rating

Top Lender

The world's most famous Peer to Peer lending for businesses is that for a reason. The quality of service, ease of use, promptness, and of course the low interest make it a superb choice.

Quick Approval
Most Reputable
Target Audience: Small US Businesses

Overall Rating

Superb!

Zopa is the world's first Peer to Peer lender, and have been doing so successfully since 2005. With solid, safe, returns for investors, and good borrowing conditions for both businesses and individuals, it's the perfect lender for the majority of businesses.

Quick Approval
Praised by media, investors and borrowers!
Target Audience: UK Sole Traders & Businesses

Overall Rating

Experienced

iWoca provieds superb solutions for short term borrow of up to 6 months, of £10,000 - £50,000. Approves in minutes, credible, and fairly low requirements.

Quick Approval
9.7 Score on TrustPilot
Target Audience: UK Business & Sole Traders - £10,000+ Annually

Overall Rating

Quick!

Liberis is UK's largest merchant cash advance provider. Those who use it highly recommend it, and its steady growth symbolizes that more than anything else.

Quick Approval
100% Happy Clients (Feefo Reviews)
Target Audience: All UK Accepting Payments By Card

Overall Rating

Helpful

One of the most innovative companies in the domain of business loans, with unique possibilities which are not accessible via traditional cash advance, or traditional Peer to Peer lenders.

Quick Approval
Average Rating 9.2 in TrustPilot
Target Audience: £3000+ Per Month with 20% Margin UK Businessess

Overall Rating

Innovative

A much needed invoice factoring service for small US-based businesses, starting from micro-loans of $5,000 up to $50,000 lent against unpaid invoices. High APR - For Immediate Cashflow.

Quick Approval
Positive Media Coverage
Target Audience: US Merchants with Unpaid Invoices

Overall Rating

Quick

One of the fastest growing P2P Lenders in the UK; Competitive prices, high requirements, provision fund to secure money.

Quick Approval
Client Feedback: 9.8 out of 10 (TrustPilot)
Target Audience: Established Businesses Only

Overall Rating

OK

OnDeck is a solid, publicly traded, company, with great user feedback. Approval in 1-10 hours. Proven business model which works and thrives.

Same Day Approval
Average User Rating 9.6 in TrustPilot, Media Critics
Requirements: FICO Score 500+ Only

Overall Rating

Solid Choice

Picky Peer to Peer Lender that can potentially offer excellent terms for qualified highly profitable businesses, but expensive for smaller businesses.

Quick Approval
Little Media Coverage
Only Established, Profitable, Businesses

Overall Rating

Good

Good for lenders, but offering sub-par terms for borrowers.

New
Little Media Coverage
Target Audience: 2 Year Old Businesses

Overall Rating

Useful

Non Profit Organization for Californian Businesses Specializing in Micro-Lending.

Operating For 20 Years
No Profit Organization
Audience: Businesses in California

Overall Rating

Useful

Kabbage has been operating successfully since 2009, with one of the easiest platforms and quickest turnaround times, but still, there are confusing parts about their T&C and some clients are unsatisfied.

Quick Approval
Many Unhappy Clients
Target Audience: Most UK/ US Businesses

Overall Rating

Mediocre

How do we review business loan companies?


We have dedicated plenty of efforts to learn the ins and outs of each company before we reviewed and rated it. Our research begins with a thorough scan of each company’s website, determining how user friendly it is, and how easy is it to sign up with it.

Then, we analyze the terms and conditions offered by each company. This is one of the most important stages upon creating a business funding review. We look at things like:

Ease of adding your company’s details – The most automated the process is, the higher our rating is. We prefer companies that are hassle-free, which also makes the application process prompt.

Time for approval. This is absolutely pivotal for us in our review. One of the main reason people want to steer away from banks is the long approval time and complicated processes before money is in the bank. We look for companies that are able to make automated decisionsbased on proprietary systems and algorithms.

Interest. This is not as straight forward as many think, and definitely not the main consideration for us, even though we try to dive into the interest terms and see they “make sense”. The thing with the companies we review is that the interest rates are highly flexible and depend on the business’ health. Companies like Fleximize and Funding Circle can get to very low interest rates (APR of 6% for Funding Circle), but could get extremely pricey as well. Bad credit business loans  are inherently expensive,  but they are still useful and can be an excellent last resort.

Credibility

Our next stage of research is looking over the internet, and making “behind the curtains” research with industry leaders, about the credibility of each company. The most important thing for us when we review business loan companies is to ensure these companies are using fair practices, and people had good experiences with them. Companies like Kabbage which has been getting a fair amount of criticism are not well-ranked.