Free tool
UK SME loan calculator
Estimate monthly repayment, total cost, and effective APR for a UK business loan. Pre-loaded with 2026 rate ranges from major UK alt-lenders (iwoca, Funding Circle, Capital on Tap, YouLend, Liberis).
£1,000£500,000
2%60%
3 mo84 mo (7 yr)
0%10%
Monthly repayment
—
Total to repay
—
Total interest paid
—
Arrangement fee
—
Effective APR (incl. fee)
—
2026 UK alt-lender APR ranges (typical SME)
Click a row to load that range into the calculator above.
Lender
Product
APR range
Typical fee
iwoca
Flexi-Loan / Cash Advance
11–35%
1–3%
Funding Circle
Business loan (P2P)
8–25%
1.5–6%
Capital on Tap
Revolving credit card
29–45%
2–3%
YouLend
Merchant cash advance
35–60%
(built into factor)
Liberis
Revenue-based finance
40–60%
(built into factor)
MarketFinance
Invoice + business loans
13–28%
1.5–3%
Tide
Business loans
9–22%
0–2%
Disclaimer. Ranges are illustrative aggregations from public rate cards and aggregated borrower feedback in Q2 2026. Actual rates depend on credit profile, security, facility size, and lender's underwriting. Always verify with the lender's current quote.
Build your own borrower-intent funnel
Borrowsignal turns the UK Companies House registry into daily borrower-intent leads for fintech lenders. Each lead is scored 0–100, with director info and a ready-to-use outreach hook.
Get 20 free leads →