Alternative Lending Companies in London: 161 Active Firms (2026)
Alternative lending companies provide non-bank credit, crowdfunding and asset-finance services to borrowers, with this cohort based across London boroughs.
Buying centres tend to sit in finance, treasury, risk and operations teams, rather than in general procurement. The relevant buyers are usually looking for credit origination, underwriting, servicing, collections and payment workflows that can support SME lending, consumer finance, property-backed credit or investor-facing crowdfunding. Engagements are typically mid-market operating relationships rather than broking-only introductions: the provider needs permissions, credit decisioning, borrower communications and post-loan administration to work together. That makes the buying process closer to regulated financial infrastructure than to a simple marketplace or lead-generation model.
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London has 161 actively trading alternative lending firms in this cohort. Reported headcount totals 532 people, giving the capital a compact but visible employment footprint in non-bank credit. Commercial maturity varies: 29 firms have more than £5M in turnover, while 16 were incorporated since 2022. The pattern points to a market with a limited set of higher-revenue operators, a wider group of smaller specialist lenders and platform models, and continued formation of new entrants despite the compliance burden attached to regulated credit and investor-facing finance.
UK alternative lending is not a unified licence category. The FCA explicitly regulates loan-based crowdfunding, also described as peer-to-peer lending, as well as investment-based crowdfunding. Payment permissions can also matter where crowdfunding models involve connected payment services. FCA guidance treats crowdfunding and peer-to-peer lending as “high-risk” investment activity, so platforms are expected to be authorised and to hold the correct permissions. Promotions are constrained too, particularly where retail investors are involved, with access generally limited to restricted, sophisticated or high-net-worth investors, or consumers who pass appropriateness checks.
Near-term development appears likely to be shaped less by pure origination growth than by funding access, loss performance and conduct scrutiny. The cohort tends to split between specialist lenders with operational credit infrastructure and smaller platforms still proving repeatable distribution. Where scale-up scarcity persists, consolidation or white-label servicing relationships may look more practical than standalone balance-sheet expansion. Retail-facing models also carry extra friction: appropriateness checks, financial-promotion limits and compensation-risk disclosures make customer acquisition more constrained than in ordinary software or brokerage markets.
What’s in the file
One row per company, 50+ columns — everything below plus each company’s verified directors, from Companies House filings.
Company data
Verified directors — included
161
Active firms
2026
29
Above £5M
turnover threshold
16
Since 2022
new incorporations
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Key facts
About 18% of the trading cohort reports turnover above £5M (29 of 161 firms) — the rest sits below that revenue band.
9% of the cohort was incorporated since 2022 (16 firms), so a sizeable share is in its first few filing cycles.
Alternative lending is not a single licence category in the UK; loan-based crowdfunding, peer-to-peer lending and investment-based crowdfunding sit within FCA supervision where the relevant regulated activity is present.
The FCA treats crowdfunding and peer-to-peer lending as “high-risk” investment activities, with investor promotions limited to groups such as restricted, sophisticated or high-net-worth investors, or consumers who pass an appropriateness test.
FSCS protection generally does not apply if the underlying business or platform fails, which changes both investor disclosures and platform diligence.
CDFIs lent £141.6M to 5,825 enterprises in 2024, keeping community finance visible within the non-bank lending mix.
SME asset-finance new business increased 0.9% in 2024 to £23.5 billion, pointing to continued demand for secured business-credit products outside mainstream term lending.
Top London Alternative Lending companies
Financial sub-scores
Computed from 5 filingsProvides revenue-based finance and merchant cash advances to small and medium-sized businesses. Offers unsecured funding repaid as a percentage of future credit and debit card sales, used for cash…
Serves UK SMEs that take card payments, including high street and online retailers, hospitality operators, service businesses, shop owners, restaurant owners and vet practices needing business…
Financial Health
HealthyHealthy
Location
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Provides online business finance to small and medium-sized enterprises, including short-term loans and flexible lines of credit from £1,000 to £1,000,000. Offers rapid online applications, funding…
Targets UK SMEs and small business owners, including retailers and companies with working-capital, invoice, tax, asset, vehicle, property or investor-finance needs.
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Provides receivables-based credit lines and working capital financing to B2B small and medium-sized enterprises. Offers revolving facilities typically from £250,000 to £5,000,000 that scale with…
Serves B2B SMEs seeking £250,000–£5,000,000 in receivables-based working capital, especially businesses underserved by banks. Also targets finance introducers supporting SME clients.
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Financial sub-scores
Computed from 3 filingsProvides working capital financing and revolving credit facilities to small and medium-sized businesses, particularly in sectors such as healthcare, eCommerce marketplaces, childcare and energy…
Sells to established SMEs seeking working capital, particularly in healthcare, childcare, eCommerce, marketplaces and energy efficiency. Serves business owners and operators in the UK, Australia and…
Financial Health
DistressedDistressed · -90% CAGR over 2y
Location
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Financial sub-scores
Computed from 3 filingsProvides short‑term property finance including bridging, refurbishment, and development loans for real estate projects. Also offers investors opportunities to fund property‑backed lending, connecting…
Serves UK property investors, developers and landlords undertaking bridging, refurbishment or construction projects, alongside finance brokers and introducers, plus private or professional investors…
Financial Health
StrongStrong · Growing, Hiring · 41% CAGR over 2y
Location
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Provides short-term property finance and bridging loans to borrowers and brokers. Offers lending for residential, commercial, mixed‑use, refurbishment and structured real estate projects, including…
Serves mortgage brokers/intermediaries and property borrowers across the UK, including investors, developers, landlords and homeowners needing short-term finance for residential, commercial,…
Financial Health
N/AN/A
Location
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Financial sub-scores
Computed from 5 filingsOperates a peer‑to‑peer lending platform that provides short‑term loans to residential property developers, funded by individual and institutional investors. Facilitates investment in property…
Serves residential property developers and finance brokers, alongside retail, professional and institutional investors interested in property-backed P2P lending.
Financial Health
StableStable · Hiring · 14% CAGR over 5y
Location
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Financial sub-scores
Computed from 5 filingsOperates an online peer‑to‑peer lending platform that connects investors with property‑backed loans. Allows individuals to invest through accounts including Innovative Finance ISAs, and provides…
Serves UK retail investors and ISA holders seeking peer-to-peer property-backed investments, alongside property borrowers applying for loans through the platform.
Financial Health
StableStable · -65% CAGR over 4y
Location
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Financial sub-scores
Computed from 5 filingsProvides financial technology–based working capital financing for businesses, including invoice factoring, reverse factoring, supplier finance, dynamic discounting, and short‑term working capital…
Serves SMEs and larger businesses needing working capital finance, including companies managing customer invoices, supplier payments, public administration debtors, and supply chain financing…
Financial Health
HealthyHealthy
Location
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Operates a credit‑led alternative finance platform that connects lenders with residential property developers, enabling investment in property development loans and property‑backed lending…
Serves lenders/investors and UK residential property developers seeking or providing finance within the UK residential housing market.
Location
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Provides online business finance to small and medium-sized businesses, offering short‑term loans and revolving credit lines from £1,000 to £1,000,000. Applications, approvals and fund transfers are…
Serves UK small and medium-sized businesses seeking flexible finance, including retail firms and companies needing working capital, invoice, asset, vehicle, property or tax funding.
Location
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Financial sub-scores
Computed from 4 filingsProvides unsecured personal loans through an online platform, using open banking data to assess applicants’ income and spending. Also offers lending and underwriting solutions, including retail and…
Serves consumers seeking personal loans for debt consolidation, large purchases or emergency costs, and partners with businesses needing retail finance, premium finance or cashflow-underwriting…
Financial Health
DistressedDistressed
Location
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Provides property-secured lending products including bridging loans, buy‑to‑let mortgages, residential mortgages and development finance, serving property investors, landlords, brokers and small…
Serves mortgage intermediaries, homeowners, landlords, property investors and experienced SME property developers seeking residential, buy-to-let, bridging and development finance.
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Financial sub-scores
Computed from 5 filingsOperates an online peer‑to‑peer lending platform connecting investors with borrowers seeking finance for commercial property. Enables individuals and institutions to invest in secured commercial…
Serves individual and corporate investors, wealth managers, pension/ISA investors and institutions, alongside commercial property borrowers seeking loan finance.
Financial Health
StableStable
Location
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Provides an embedded finance platform that enables ecommerce platforms, payment providers and other partners to offer working capital financing to small and medium-sized businesses. Funding is…
Serves B2B partners such as ecommerce platforms, tech providers, payment service providers, banks and brokers, as well as SMEs and merchants seeking business funding across the UK, Europe and USA.
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Financial sub-scores
Computed from 5 filingsProvides property finance and investment services, offering bridging loans, residential and commercial mortgages, and a platform where investors fund secured property loans and property-backed…
Serves property borrowers seeking residential or commercial mortgages and bridging finance, intermediaries arranging secured loans, and investors looking for property-backed investment opportunities.
Financial Health
StrongStrong · Hiring · 59% CAGR over 4y
Location
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Financial sub-scores
Computed from 3 filingsOperates an investment and lending platform that connects investors with borrowers, providing secured loans to growing businesses and property‑backed lending opportunities. Manages a loan book funded…
Serves growing businesses seeking finance and private or individual investors interested in lending to businesses.
Financial Health
WeakWeak · 0% CAGR over 2y
Location
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Financial sub-scores
Computed from 4 filingsProvides unsecured business loans to private limited companies, typically from £5,000 to £350,000. Assesses applications using recent business bank statements and offers rapid approval and short‑term…
Serves UK small businesses structured as private limited companies, typically operating for 12+ months with at least £15,000 monthly turnover and seeking £5,000–£350,000 in business funding.
Financial Health
StrongStrong · Hiring · 71% CAGR over 3y
Location
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Financial sub-scores
Computed from 5 filingsProvides short-term business funding including merchant cash advances, business cash advances and selective invoice financing. Assesses company revenue and advances funds to support working capital,…
Serves UK small business owners seeking short-term funding, including limited companies, LLPs, sole proprietors and partnerships with at least £25k turnover and six months’ trading history.
Financial Health
HealthyHealthy
Location
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Financial sub-scores
Computed from 4 filingsProvides short‑term property finance including bridging loans and development loans for residential and commercial projects. Works with property investors, developers and brokers to fund property…
Serves property borrowers, developers and investors seeking residential, commercial or development finance, and works with mortgage brokers and introducers who place property loan cases for their…
Financial Health
StrongStrong · -3% CAGR over 3y
Location
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Financial sub-scores
Computed from 4 filingsOperates a digital marketplace for property-backed lending, connecting institutional investors and capital providers with borrowers seeking real estate–secured loans. Provides loan origination,…
Serves institutional investors and family offices, plus brokers, intermediaries, packagers, property developers and businesses seeking non-owner-occupied real estate finance in the UK and US.
Financial Health
DistressedDistressed
Location
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Provides short-term property finance to investors, traders and developers. Offers bridging loans, auction finance, refurbishment funding and development finance, structuring and assessing loans for…
Serves experienced UK property investors, traders and developers, including companies seeking short-term funding for bridging, auction purchases, refurbishments and development projects.
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Financial sub-scores
Computed from 5 filingsProvides flexible funding products for small and medium-sized businesses, including revolving credit facilities and debt consolidation lines. Offers tools and resources such as performance…
Serves UK SMEs and founders of growing businesses, with partner channels and introducers also addressed for referrals and business support.
Financial Health
StrongStrong · Growing, Hiring · 43% CAGR over 4y
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Financial sub-scores
Computed from 2 filingsProvides unsecured personal loans to consumers through an online platform, using open banking data and cashflow underwriting to assess affordability. Also offers lending technology and financing…
Serves consumers needing personal borrowing for debt consolidation, large purchases or emergencies, plus business partners such as retailers, premium finance providers and lenders.
Financial Health
HealthyHealthy · Hiring · 25% CAGR over 1y
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Computed from 5 filingsProvides short‑term property finance for real estate investors and developers, including auction finance, residential and commercial bridging loans, refurbishment funding, and development finance for…
Serves UK property investors, developers and SME borrowers needing short-term property finance, including auction buyers, residential and commercial bridge borrowers, refurbishers, foreign nationals…
Financial Health
StrongStrong · Hiring · 38% CAGR over 4y
Location
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Provides subscription-based personal lending services through an online platform, offering members access to small short-term loans repaid in fixed instalments, including options designed for…
Serves UK consumers seeking small personal loans, including people with fair or poor credit who need short-term borrowing for emergencies, car repairs, holidays, weddings or home improvements.
Financial Health
N/AN/A
Location
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Financial sub-scores
Computed from 5 filingsOperates a peer‑to‑peer lending platform that enables individuals to invest in loans secured against property developments. Provides investment accounts and ISA options, pays interest to investors,…
Serves retail investors seeking peer-to-peer lending and ISA investment accounts, alongside property borrowers looking for loans.
Financial Health
StableStable · -66% CAGR over 4y
Location
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Computed from 4 filingsOperates a credit‑focused alternative finance platform that connects lenders with residential property developers, enabling investors to fund property development loans and earn returns while…
Serves lenders and investors seeking property-backed opportunities, alongside UK residential property developers needing finance. Also addresses financial professionals and property sector…
Financial Health
StableStable
Location
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Financial sub-scores
Computed from 5 filingsProvides working capital financing to e‑commerce businesses and online brands, including Amazon sellers. Offers lines of credit and term funding used for marketing, inventory and purchase orders,…
Serves B2B online businesses across the UK, EU and US, including Amazon sellers, high-growth ecommerce brands and retailers with roughly $10K to $500K+ monthly revenue seeking growth capital.
Financial Health
StrongStrong · Hiring · 53% CAGR over 4y
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Provides salary‑linked financial products through employer partnerships, including personal loans, earned wage access, payroll‑deducted savings schemes and financial education tools. Repayments and…
Sells to employees through employer partnerships, serving workers seeking loans, earned wage access, savings and financial education. Also targets employers offering financial wellbeing benefits,…
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Financial sub-scores
Computed from 4 filingsProvides business financing products including merchant cash advances, short‑ and long‑term business loans, invoice finance, and stock finance. Offers online applications and funding decisions for…
Serves small and medium-sized businesses seeking working capital or growth finance, including merchants with card sales and firms needing invoice, stock, short-term or long-term business loans.
Financial Health
DistressedDistressed · 0% CAGR over 4y
Location
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Provides short-term property finance including bridging loans, auction finance, buy-to-let mortgages, commercial mortgages and refurbishment funding. Lends to property investors and businesses,…
Serves UK mortgage intermediaries and introducers, plus property investors, property professionals, business owners and individuals seeking short-term property-backed finance for purchases, auctions…
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Financial sub-scores
Computed from 5 filingsProvides financing products to businesses including invoice finance, merchant cash advances, stock finance, and short‑ and long‑term business loans, with application processing and funding for…
Serves small and medium-sized businesses in the UK and United States, including merchants with card, online store or delivery-platform sales, that need commercial finance and repayment options.
Financial Health
HealthyHealthy · -68% CAGR over 4y
Location
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Provides online business loans and credit lines to small and medium-sized businesses. Offers short‑term financing from £1,000 to £1 million with online application, rapid approval, flexible repayment…
Serves small and medium-sized UK businesses seeking short-term finance, including retailers and firms needing working capital, invoice, asset, vehicle, property or tax funding.
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Provides specialist property finance for investors and developers, including bridging loans, refurbishment buy‑to‑let finance and commercial development loans. Offers short‑term and development…
Serves property investors, landlords and developers seeking finance for residential, buy-to-let, refurbishment and commercial development projects, often through broker and partner channels.
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Financial sub-scores
Computed from 2 filingsProvides short-term property finance and bridging loans for residential, mixed-use and commercial real estate, including refurbishment, second‑charge and regulated loans. Offers funding for property…
Serves UK mortgage brokers, intermediaries and property borrowers, including investors, developers, portfolio landlords and homeowners involved in residential, commercial, mixed-use and complex real…
Financial Health
StableStable · 0% CAGR over 1y
Location
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Provides asset-backed property finance, including bridging loans, auction finance, refurbishment loans and development funding. Lends to property investors and developers for short- to mid-term…
Serves property professionals, developers and investors needing short- to mid-term, asset-backed property finance for acquisitions, auctions, refurbishments, urgent transactions and corporate…
Financial Health
N/AN/A
Location
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Provides property finance including bridging loans and residential and commercial investment mortgages. Operates an investment platform where individuals fund property‑backed loans and projects,…
Serves property investors, landlords and commercial borrowers seeking secured finance, plus individual and professional investors funding property-backed loans. Also targets mortgage and finance…
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Financial sub-scores
Computed from 3 filingsProvides short-term property finance and bridging loans to property investors and homeowners via brokers. Offers funding for residential, mixed-use and commercial property purchases, refurbishments,…
Targets UK mortgage intermediaries, brokers and property borrowers, including homeowners, landlords, investors and developers involved in residential, commercial, mixed-use, refurbishment and…
Financial Health
StableStable · 0% CAGR over 3y
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Computed from 5 filingsOperates an online peer‑to‑peer lending platform that connects individual lenders with borrowers, offering consumer loans positioned as an alternative to credit cards and providing supporting web and…
Serves UK consumers seeking an alternative to credit cards, with a peer-to-peer model that also addresses individual lenders/investors.
Financial Health
WeakWeak · -10% CAGR over 4y
Location
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Computed from 3 filingsOperates an online lending platform that allows individual and institutional investors to fund secured commercial property loans. Facilitates loan listings, tranche-based lending, and investor…
Serves individual and corporate investors, wealth managers, pension/ISA account holders and institutional investors seeking commercial property debt investments, alongside commercial property…
Financial Health
StableStable · 0% CAGR over 2y
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Provides property development finance including senior, mezzanine and bridging loans for residential and commercial projects. Funds property developers and intermediaries, offering loans for land…
Serves property developers and finance intermediaries across the UK seeking £1m-£15m funding for residential, commercial, build-to-let, bridging, mezzanine, and development exit projects.
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Computed from 3 filingsProvides lending and leasing finance to small and medium-sized businesses. Offers SME debt finance, property development loans, wholesale credit lines to specialty finance providers, fund finance,…
Serves UK SMEs seeking growth, acquisition or buyout funding; specialty finance providers; residential and commercial property developers; investment funds; and infrastructure or renewable energy…
Financial Health
WeakWeak · 0% CAGR over 2y
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Computed from 3 filingsProvides loans to businesses secured against expected HMRC R&D tax credit repayments and innovation grant payments. Offers R&D tax credit loans, grant advance loans and innovation term loans to fund…
Sells to UK businesses of any size engaged in innovation, particularly SMEs claiming HMRC R&D tax credits or receiving Innovate UK and other grant funding, plus accountants and advisors seeking…
Financial Health
StableStable · Hiring · 82% CAGR over 2y
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Computed from 2 filingsProvides property finance products including residential mortgages, buy‑to‑let loans, bridging finance and development funding, serving intermediaries, landlords, property investors and developers,…
Serves a mix of mortgage intermediaries, brokers, homeowners, landlords, property investors and experienced SME property developers seeking residential, buy-to-let, bridging and development finance.
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StableStable
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Computed from 5 filingsProvides short-term property finance including bridging loans, auction finance, refurbishment loans and development finance. Lends to property investors and developers to fund property purchases,…
Serves UK property investors, developers, landlords, auction buyers and SME property businesses, including foreign nationals, expats and borrowers living abroad seeking short-term property funding.
Financial Health
StableStable · 0% CAGR over 4y
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Computed from 4 filingsProvides proprietary credit products to UK SME members of the Tide platform, primarily offering Credit Line, a short‑term revolving credit facility. Holds loan receivables from these lending…
Serves UK small and medium-sized businesses that are members of Tide Platform Ltd, typically SME owners or finance decision-makers needing business credit.
Financial Health
DistressedDistressed · -17% CAGR over 3y
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Provides asset finance to businesses, offering hire purchase, finance leasing, asset equity release and loan schemes for equipment and vehicles across sectors including agriculture, construction,…
Serves UK businesses seeking asset finance, especially SMEs in agriculture, construction, engineering, manufacturing, transport, recycling, print, packaging, materials handling and bus/coach sectors,…
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Computed from 3 filingsProvides short-term property finance and bridging loans for residential, commercial and mixed-use real estate. Offers funding for acquisitions, refurbishments, conversions, second-charge borrowing…
Serves mortgage intermediaries, brokers and property borrowers across the UK, including developers, investors, landlords, portfolio owners and homeowners involved in residential, commercial,…
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StableStable · 0% CAGR over 3y
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Computed from 5 filingsProvides unsecured business loans and alternative finance to small businesses, offering funding typically from £5,000 to £150,000. Applications submitted online with rapid approval decisions and…
Serves UK-based small businesses operating as limited companies incorporated in England or Wales, including firms seeking working capital for inventory, equipment, marketing, growth, seasonal needs,…
Financial Health
WeakWeak
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How London Alternative Lending companies work and how to sell to them
What they do
Revenue usually comes from interest spread, arrangement fees, servicing fees, platform charges and, for investor-facing models, administration or performance-linked fees. Some London alternative lenders lend from their own balance sheet; others match borrowers with institutional or retail capital, or provide white-label servicing for funders that want credit exposure without running day-to-day operations. The product is a mix of financial services and operating infrastructure: origination forms, affordability checks, credit models, payment handling, loan servicing, arrears management and reporting. Pricing is often tied to funded volume, outstanding balances or borrower fees, so suppliers need to understand unit economics as well as software adoption.
Who they sell to
Borrowers are typically SMEs, property borrowers, consumers or asset-backed borrowers, while investor-facing platforms also sell to lenders, funders and wealth-adjacent intermediaries. On the borrower side, decisions often sit with owner-managers, finance directors, property principals or brokers. On the funding side, treasury, credit, risk, legal and investment committees tend to matter more than a single commercial sponsor. Sales routes are mixed: direct origination, broker and introducer channels, embedded finance partnerships and funder relationships all appear. Higher-value relationships usually involve credit policy review, compliance checks and operational due diligence, so the buying cycle is closer to financial infrastructure procurement than a self-serve application.
What they buy
Most alternative lending firms tend to spend on loan origination software, credit decisioning tools, identity and fraud checks, affordability assessment, payment operations, servicing systems, collections workflow, CRM, analytics and management reporting. Regulated firms also buy compliance advice, legal support, audit, complaints handling, financial-promotion review and conduct-risk monitoring. Data and infrastructure needs sit underneath that: cloud hosting, data warehousing, cyber security, API connectivity, document management and finance or treasury tooling. Recruitment spend often follows credit, collections, risk, engineering and product roles rather than generic sales hiring. Providers that can fit into existing lending workflows usually have an easier route than those requiring a wholesale platform change.
Why and how to sell to them
Alternative lending buyers tend to evaluate vendors when funding lines change, arrears rise, credit losses need closer monitoring, a new loan product is launched, or FCA permissions and financial-promotion processes need review. Other triggers include broker-channel expansion, a move from manual underwriting to rules-based decisioning, new payment workflows, senior risk or operations hires, and pressure to evidence fair treatment of borrowers. Outbound messaging usually lands better when it speaks to cost per originated loan, time to decision, audit trails, collections control, fraud reduction or funder reporting. Generic growth claims are less useful than showing how the offer reduces operational drag while preserving credit and compliance oversight.
How this list is built
Data sources
This list is built from UK Companies House filings, XBRL accounts data, and semantic analysis of each company's public website. Revenue and headcount figures come from the most recent filed accounts; where the company has not filed, values are estimated using a model trained on filed history and peer benchmarks and are labelled as estimates.
Classification
Rather than relying solely on SIC codes, Firmbase classifies each company semantically: the company's website is crawled, an AI model reads what the company actually sells, and the company is placed into the relevant industry and subsectors. SIC codes are used as one signal but not the only one. This means a company that registered under a generic SIC code but pivoted into (for example) fintech is correctly identified as fintech, not as its original SIC category.
Freshness
The underlying company data is refreshed from Companies House continuously; filings appear in the list within days of submission. The curated list ordering is regenerated when the underlying data moves meaningfully (company count changes by more than 5%, a new company enters the top-ranked segment, or the filed-revenue numbers for the top firms change). You can see the last-updated timestamp near the top of the page.
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Frequently asked questions
How many alternative lending companies are there in London?
What counts as a alternative lending company in this list?
Which are the largest alternative lending companies in London?
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How does London alternative lending compare internationally?
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What SIC codes does this use?
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