Best Consumer and SME Loans Companies in United Kingdom
The 230 best Consumer and SME Loans companies in United Kingdom in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Propel Finance.
Forget the funding headlines for a moment. The real story in United Kingdom Consumer and SME Loans is earned revenue at scale, and this directory tracks 230 companies across that market to rank them by disclosed equity funding and recent funding momentum. Total disclosed funding sits at $16.8B, and the global market behind it is forecast to grow at a 13.4% CAGR through 2030, starting from an $86.8B base. That's not a niche. Blue Motor Finance has pulled in $2.0B in disclosed funding, Startline Motor Finance $1.8B, and Abound $1.5B. Those aren't rounding errors. And if you want to understand where the capital is concentrating, those three alone tell you the story.
So what's driving the momentum underneath the big numbers? App-level data shows median install growth of roughly 19% year-over-year across consumer finance apps, which tells me digital access is doing real work here, not just serving as a nice-to-have. Demand drivers include unbanked populations and the adoption of advanced technology in microfinancing, and the regulatory environment in the UK keeps underwriting standards tight enough that scale actually means something. Investors like Citi, Barclays, and British Business Investments are backing this sector with conviction. Two unicorns have already cleared the threshold. The gap between the top filers and the rest of the 230 companies tracked here is wide, and that gap is exactly what you should be reading for.
- ResearchAndMarkets.com
Ranked: Best Consumer and SME Loans companies in United Kingdom
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Market signals (1y) | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Propel Finance Provider of business loans | $2.6B | 11 mo ago | 200 | 1996 | Mark Catton CEO | DrupalApple iCloud MailMicrosoft 365+19 | — | 3 awards |
| 2 | Blue Motor Finance Auto loans provider | $2.0B | 31 mo ago | 219 | 1992 | — | Apple iCloud MailMicrosoft ASP.NETAmazon ALB+13 | — | 1 job opening |
| 3 | Startline Motor Finance Auto loans provider | $1.8B | 17 mo ago | 138 | 2013 | Paul Burgess Founder & CEO | BootstrapCloudflarecore-js+11 | — | — |
| 4 | Greensill 🦄 Provider of working capital loans | $1.7B | 68 mo ago | 67 | 2011 | — | — | — | — |
| 5 | Abound Provider of personal loans with flexible repayment options and holistic assessment 64Funding top 23%Growth top 28%Talent top 38%Fin. health top 39% All 8 signals ▾Fundingtop 23% Growthtop 28% Talenttop 38% Fin. healthtop 39% Techtop 40% Marketbottom 42% Globalbottom 39% Moatbottom 38% Funding: Raised $1.5B across 5 rounds · 5 rounds over 3 yrs (1.7/yr) Growth: Web rank 1,000,000 → 500,000 YoY · Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 64/100 | $1.5B | 14 mo ago | 10 | 2020 | Michelle He Cfa Co-founder and COO | WebflowVimeoGSAP+21 | — | 1 job opening |
| 6 | Foundation Home Loans Provider of residential mortgage loans | $944M | 80 mo ago | 130 | 2015 | — | UmbracoApple iCloud MailMicrosoft 365+16 | — | — |
| 7 | NSF Provider of consumer loans | $776M | 75 mo ago | 848 | 2014 | — | — | — | — |
| 8 | Bachmann & Welser Provider of business loans | $750M | 101 mo ago | — | 2017 | Edward Bachmann Co-Founder & CEO | — | — | — |
| 9 | Glenhawk Diversified lending NBFI | $606M | 45 mo ago | — | 2017 | Guy Harrington Chief Executive & Founder | — | — | — |
| 10 | Augusta Ventures Provider of litigation funding for claimants in commercial and consumer disputes | $553M | 60 mo ago | 42 | 2013 | — | WordPressApple iCloud MailMicrosoft 365+20 | — | — |
| 11 | Fiduciam Business loans provider | $474M | 53 mo ago | — | 2014 | Henrik Takkenberg Co-Founder | — | — | — |
| 12 | Funding Circle 🦄 Online lending platform providing financing solutions for small and medium-sized businesses | $373M | 81 mo ago | 214 | 2010 | Angelo Lauria Co-Founder | ContentstackReactGatsby+24 | 26 signals ▼69% Earnings · Contracts · Buyback | 1 partnership · 1 award |
| 13 | Ultimate Finance Provides working capital loans for SME's | $326M | 54 mo ago | 156 | 2002 | — | Apple iCloud MailMicrosoft 365Bootstrap+25 | 5 signals ▼44% Earnings · Leadership | — |
| 14 | The Northview Group Provider of mortgage loans | $322M | 94 mo ago | — | 1995 | Mark Arnold CEO | — | — | — |
| 15 | LiveMore Developer of a mortgage marketplace | $310M | 40 mo ago | 8 | 2018 | Leon Diamond Chief Executive Officer & Founder | SanityNode.jsBootstrap+23 | — | — |
| 16 | Praetura Provider of lending and equity solutions for startups and SMEs | $203M | 1 mo ago | — | 2011 | Peadar OReilly Co-Founder | WordPressApple iCloud MailMySQL+19 | — | 1 award |
| 17 | Reward Finance Group Provider of SME loans | $193M | 31 mo ago | 58 | 2011 | David Jones Founder | — | — | 1 award |
| 18 | Tuscan Capital Term loans provider | $188M | 49 mo ago | 23 | 2017 | — | — | — | — |
| 19 | Proportunity Provider of equity loans designed to help individuals purchase residential property | $150M | 55 mo ago | 16 | 2016 | Stefan Boronea Co-founder & CTO | WebflowBootstrapAmazon Web Services+15 | — | — |
| 20 | Free2 Provider of personal loans | $131M | 73 mo ago | 15 | 2003 | — | — | — | — |
| 21 | JLG Group Provider of business loans | $110M | 78 mo ago | 42 | 2012 | — | — | — | — |
| 22 | Castle Trust Mortgage loans provider | $105M | 74 mo ago | 200 | 2010 | Martin Bischoff CEO | WordPressApple iCloud MailMySQL+31 | — | 2 awards |
| 23 | Legis Provider of litigation financing for law firms, investors, and corporations | $104M | 80 mo ago | 1 | 2017 | Thomas Stoughton Founder and Managing Director at Legis Finance | — | — | — |
| 24 | Lendhub Short term loans provider | $101M | 68 mo ago | 9 | 2016 | — | WebflowSplidejQuery+15 | — | — |
| 25 | Selina Finance Provider of consumer loans | $92M | 52 mo ago | 50 50 → 102 (+104%) | 2019 | Hubert Fenwick Co-Founder | WebflowApple iCloud MailGoogle Workspace+34 | — | 1 internship · 1 award |
| 26 | Fundsquire Provider of working capital loans | $55M | 57 mo ago | 54 | 2016 | — | WordPressMySQLPHP+21 | — | — |
| 27 | Generation Home Provider of mortgage loans | $39M | 43 mo ago | 35 35 → 82 (+134%) | 2019 | — | Apple iCloud MailGoogle WorkspaceNode.js+16 | — | 1 launch · 2 awards |
| 28 | Fresh Thinking Capital Provides loans to SMEs | $35M | 58 mo ago | 9 | 2017 | Melanie Hird Owner | — | — | — |
| 29 | Amplifi Capital Provider of SME loans | $29M | 28 mo ago | 135 | 2018 | — | ButterCMSApple iCloud MailMicrosoft 365+12 | — | — |
| 30 | Bibby Financial Services Provider of asset financing and leasing services | $26M | 14 mo ago | 80 | 1982 | — | Turbopackstyled-componentsSentry+27 | — | — |
| 31 | Therium Litigation financing firm | $22M | 93 mo ago | 5 | 2009 | — | — | — | — |
| 32 | UK Credit Provider of guarantor loans and unsecured lending services to borrowers | $22M | 80 mo ago | 68 | 2010 | Andrew Turner CEO | Apple iCloud MailChart.jsOptimizely+12 | — | — |
| 33 | Finance For Enterprise Provider of business loans | $21M | 43 mo ago | — | 1985 | Arthur Foreman Managing Director | WordPressMySQLPHP+25 | — | — |
| 34 | SWIG Finance Provider of flexible business loans to start-ups and SMEs | $19M | 28 mo ago | — | 1989 | John Peters Managing Director | WordPressMySQLPHP+16 | — | — |
| 35 | One Stop Business Finance Credit Broker | $16M | 17 mo ago | 11 | 2014 | — | WordPressMySQLPHP+17 | — | — |
| 36 | Go Car Credit Auto loans provider | $16M | 84 mo ago | 67 | 2017 | Mark Giles CEO | WordPressMySQLPHP+16 | — | — |
| 37 | Manolete Partners Provider of insolvency litigation financing | $14M | 100 mo ago | 22 22 → 29 (+32%) | 2009 | Steven Cooklin CEO | Apache HTTP ServerjQueryTypekit+4 | 3 signals ▲50% Leadership | 2 awards |
| 38 | Omni Bridgeway Law firms to manage litigation and legal proceedings | $13M | 63 mo ago | 224 | 1986 | Raymond Hulst Managing Director and CEO | Progress SitefinityD3Microsoft ASP.NET+21 | — | 1 job opening |
| 39 | MT Finance Provider of short-term property loans, bridging loans, and commercial mortgages | $11M | 63 mo ago | 36 | 2008 | Joshua Elash Co-Founder | WordPressApple iCloud MailMySQL+32 | — | — |
| 40 | AlbaCo Bank providing lending and savings facilities to small and medium sized enterprises | $7M | 12 mo ago | 35 | 2017 | — | BootstrapLazySizesModernizr+11 | 4 signals ▲300% Funding · Regulatory | — |
| 41 | Newable Provider of business loans | $3M | 71 mo ago | 1,079 | 1982 | Chris Manson CEO | WordPressMySQLPHP+29 | — | 1 partnership |
| 42 | Oblix Capital Short term property loans provider | $3M | 93 mo ago | 25 | 2014 | Rishi Passi Chief Executive Officer | — | — | — |
| 43 | ART Business Loans Provider of SME loans | $2M | 39 mo ago | — | 1997 | Steve Walker CEO | WordPressMySQLPHP+12 | — | 1 job opening |
| 44 | Tudor Business Solutions Provider of commercial finance solutions for partnerships and limited companies | $2M | 47 mo ago | — | 2021 | Mark Tudor Managing Director | — | — | — |
| 45 | Clearwell Provider of finance and loans for residential property development projects | $2M | 79 mo ago | 10 | 2013 | Ed Marley-Shaw Founder & CEO | — | — | — |
| 46 | Ambassador Capital Partners Provider of consumer & SME loans | $2M | 65 mo ago | 2 | 2020 | — | — | — | — |
| 47 | MSP Capital Diversified lending NBFI | $1M | 33 mo ago | 36 | 1981 | Martin Higgins CEO & MD | WordPressMySQLPHP+19 | — | 1 launch |
| 48 | Quantum mortgages Provider of mortgage loan services | $1M | 40 mo ago | 25 | 2020 | — | — | — | 2 job openings · 1 launch |
| 49 | Car Finance Giant Provider of auto loans | $960K | 46 mo ago | 18 | 2015 | Khusro Kamal Founder | — | — | — |
| 50 | Spring Finance Consumer loans provider | $808K | 21 mo ago | — | 1999 | — | — | — | — |
Top 12 Consumer and SME Loans companies in United Kingdom
#1
Funding Raised · Manchester, England · founded 2011$203Mraised▾
Provider of lending and equity solutions for startups and SMEs. This financial services company offers a variety of funding options, from venture capital to asset-based finance. It aims to help businesses secure the appropriate funding to achieve their growth potential. The firm provides support beyond financial resources, focusing on building strong relationships with entrepreneurs. Its services encompass various financing structures tailored to the specific needs of small and medium-sized enterprises.
- May 2026Conventional Debt$203M
#2
Funding Raised · Langstone, England · founded 1996 · 200 employees$2.6Braised▾
Provider of business loans
- Jul 2025Conventional Debt$2.1B
- Aug 2022Conventional Debt$591.2M
- Jul 2021Conventional Debt—
#3
Series B · London, England · founded 2020 · 10 employees$1.5Braised▾
Provider of personal loans with flexible repayment options and holistic assessment. They offer individuals access to financing based on a comprehensive evaluation of their financial situation. This includes income, spending habits, and existing credit commitments. The aim is to provide affordable lending solutions tailored to individual needs.
- Mar 2025Conventional Debt$322.6M
- May 2024Series B$1B
- May 2024Conventional Debt—
- Oct 2023Series A$242.9K
#4
Funding Raised · Glasgow, Scotland · founded 2013 · 138 employees$1.8Braised▾
Auto loans provider
- Jan 2025Conventional Debt$594.6M
- Nov 2020Conventional Debt$495.9M
- May 2019Conventional Debt$423.5M
- Dec 2017Conventional Debt$334.9M
#5
Acquired · Sevenoaks, England · founded 1992 · 219 employees$2Braised▾
Auto loans provider
- Nov 2023Conventional Debt$297.1M
- Jan 2021PE—
- Dec 2020Conventional Debt$409.5M
- Jul 2020Conventional Debt—
#6
Acquired · Liverpool, England · founded 1982 · 80 employees$25.5Mraised▾
Provider of asset financing and leasing services
- Apr 2025Venture Debt$25.5M
#7
Series A · Glasgow, Scotland · founded 2017 · 35 employees$6.9Mraised▾
Bank providing lending and savings facilities to small and medium sized enterprises. It focuses on supporting small and medium-sized businesses by offering lending and savings facilities through a digitally optimized, relationship-based model. The bank aims to transform SME customer banking by combining a relationship-driven approach with technology platforms. It is dedicated to helping SMEs grow by providing specialist expertise and building lasting relationships with its customers.
- Jun 2025Series A$1M
- Feb 2021Series A$6.9M
#8
Funding Raised · York, England · founded 2014 · 11 employees$16.5Mraised▾
Credit Broker
- Jan 2025Conventional Debt$12.5M
- Aug 2023Conventional Debt—
- Oct 2022Conventional Debt—
- Mar 2019Conventional Debt$4M
#9
Funding Raised · Leeds, England · founded 2011 · 58 employees$192.9Mraised▾
Provider of SME loans
- Oct 2023Conventional Debt$61M
- Mar 2022Conventional Debt$66.9M
- Jul 2018Conventional Debt$13.1M
- Aug 2017Conventional Debt$51.9M
#10
Funding Raised · London, England · founded 2017$606.2Mraised▾
Diversified lending NBFI
- Sep 2022Conventional Debt$230.7M
- Dec 2020Conventional Debt$33.4M
- Mar 2020Conventional Debt$245.7M
- Sep 2018Conventional Debt$96.3M
#11
Series E · London, England · founded 2011 · 67 employees$1.7Braised▾
Provider of working capital loans. The company utilizes financial markets to unlock the capital and packages cash advances into bondlike securities that provide interests higher than bank deposits, thus offering clients permanent capital on refinancing terms that fit their precise requirements.
- Oct 2020Conventional Debt$140M
- Oct 2019Series E$655M
- May 2019Series E$800M
- Jul 2018Series D$250M
#12
Funding Raised · London, England · founded 2018 · 8 employees$309.6Mraised▾
Developer of a mortgage marketplace
- Jan 2023Conventional Debt$309.6M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Consumer and SME Loans coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.