Got Capital Competitors

We back small businesses with the finance they need to succeed. At Funding Circle, we understand running a business is hard work so we provide a fast, hassle-free experience for businesses looking for finance - with SME experts based in the UK. Over the past ten years, we've been revolutionising SME lending by making it easier than ever to apply for a business loan. With our simple online application small businesses can apply in minutes without the need for interviews or business cases, get a decision in seconds, and funds in their account in typically 48 hours. We've helped over 130,000 businesses access more then £14.5 billion since 2010. And we're not done yet.

iwoca was founded to expand possibilities for small businesses. At iwoca, we believe finance should feel like a superpower, not a headache. That’s why our founders, Christoph and James, decided to create a solution custom-built for small businesses. One that strips out the hassle, gets to know what each business needs, and looks for opportunities rather than problems. One that provides access to finance where and when your business needs it. In 2026, we were named Fintech Company of the Year by the Fintech Awards (sponsored by KPMG). Our partner integrations and our Lending API mean we can provide access to finance where and when small businesses need it. Our award winning credit risk engine help us make faster, more accurate credit decisions built around the performance of the business. Since 2012, we’ve made funding available to over 100,000 businesses, from cafés to car dealers, salons to solicitors. But we’ve only just started. Our mission is to fund one million small businesses.

Lendable is a platform that makes borrowing money and saving money effortless; across loans, credit cards, car finance, utility bills, insurance, mobile contracts and more. With an AI trained on a decade of proprietary data, Lendable takes a holistic view of each customer’s finances to expand access to affordable, fast and transparent credit and savings. A relentless focus on building the best technology for customers results in being able to provide instant decisions, personalised rates, and transferring of funds within minutes. This in turn has delivered an unprecedented 5.0 stars out of 5 on Trustpilot from over 95,000 reviews on Lendable and a category-leading 4.8 stars for Zable. Through Zable, Lendable’s superapp, the firm delivers personalised insights to millions of customers, making it simple to track your credit health, save money refinancing to cheaper deals, and access transparent credit options. Lendable is now the UK’s largest non-bank lender for loans and one of the largest issuers of credit cards in the country, with a growing presence in the United States. Check out Lendable, Zable UK (https://zable.co.uk/), Zable US (https://zable.com) and Autolend (https://www.autolend.co.uk/) for more details.