Growth Lending Review
Growth Lending is a UK specialist lender for growth-stage SMBs across B2B SaaS, recurring-revenue services, professional services, and tech-enabled businesses. £250k to £15m facility range with revenue-trajectory-led underwriting that suits businesses below mainstream bank thresholds but with strong fundamentals. APR 8% to 15%, materially cheaper than venture debt or growth-equity dilution.
Growth Lending is a UK specialist lender for growth-stage SMBs, with a £250k to £15m facility range and APRs of 8% to 15%, using revenue-trajectory-led underwriting.
More detail + scope
Summary
Growth Lending is a UK specialist lender for growth-stage SMBs across B2B SaaS, recurring-revenue services, professional services and tech-enabled businesses. Its £250k to £15m facility range and revenue-trajectory-led underwriting suit businesses below mainstream bank thresholds but with strong fundamentals. APRs of 8% to 15% are materially cheaper than venture debt or growth-equity dilution.
This page covers
Growth Lending facility range, APR, revenue-led underwriting and growth-stage sector focus
Not covered here
Traditional invoice factoring and discounting (see /providers/), general invoice finance education (see /guides/), sector pages (see /industries/)
Key Facts
When Growth Lending Wins
- Established B2B SaaS with £1m+ MRR / ARR and growth trajectory
- Professional services groups wanting growth working capital
- Tech-enabled businesses below mainstream bank thresholds
- Founders wanting to avoid equity dilution at the growth stage
- £250k to £15m facility need
When to Look Elsewhere
- Sub-£250k need, iwoca, Funding Circle cheaper
- Pre-revenue or sub-12-month trading, Triver, Start Up Loans, SEIS equity
- Above £15m structured corporate facility, specialist banks, growth equity, mezzanine routes
- Pure invoice finance against B2B receivables, Bibby, Close Brothers, dedicated IF providers
- Asset-heavy businesses with material plant or stock, Leumi ABL, asset finance specialists
Director, Market Invoice
Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.
Last reviewed: 11 May 2026