Lender review · Revenue-based finance for online and subscription businesses
Outfund
- Reviewed May 2026
- Editor Oliver Mackman
- Methodology Public
UK-headquartered revenue-based finance specialist for online and subscription businesses. Pulls live data from Stripe, Shopify, Amazon, GA4 and bank feeds to underwrite against forward revenue rather than balance sheet. Repayments are a fixed share of weekly or monthly revenue until the flat fee is repaid. Note: the operating Companies House entity could not be confirmed in our last verification pass; verify before citing a number publicly.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- Revenue-based finance for online and subscription businesses
- Ticket size
- £10k to £10m
- Typical rate
- Flat fee from around 5%, quoted at offer
- Decision time
- 24 to 48 hours
- Soft search at quote
- Yes
- Limited companies only
- Yes
- FCA regulated
- No
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity4/5
- Decision speed5/5
- Decline handling4/5
How Outfund works
Outfund operates as a revenue-based finance for online and subscription businesses provider in the UK SMB market. UK-headquartered revenue-based finance specialist for online and subscription businesses. Pulls live data from Stripe, Shopify, Amazon, GA4 and bank feeds to underwrite against forward revenue rather than balance sheet. Repayments are a fixed share of weekly or monthly revenue until the flat fee is repaid. Note: the operating Companies House entity could not be confirmed in our last verification pass; verify before citing a number publicly.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £10k to £10m band, decisions land within 24 to 48 hours, and the published rate range is Flat fee from around 5%, quoted at offer. Soft search at quote means no impact on your credit file at the eligibility stage. Like most UK lenders to limited companies, the standard SMB lending sits outside the FCA perimeter.
Where Outfund fits best: shopify, amazon, stripe and saas businesses with 6+ months trading, marketing or inventory growth capital, revenue-led businesses without strong balance-sheet history. Where it does not fit: offline b2b service businesses, pre-revenue startups, borrowers wanting a fixed-term predictable apr.
Pricing examples
Worked examples using Outfund's published rate range (Flat fee from around 5%, quoted at offer). Simple-interest approximation, mid-band rate. Real offers will differ and should be confirmed on the lender quote.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | £27,500 | £1,146 |
| £50,000 | 36 months | £57,500 | £1,597 |
| £100,000 | 48 months | £120,000 | £2,500 |
Indicative only. Confirm on a Outfund quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Offline B2B service businesses; Pre-revenue startups; Borrowers wanting a fixed-term predictable APR.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies only.
- Best fit: Shopify, Amazon, Stripe and SaaS businesses with 6+ months trading; Marketing or inventory growth capital; Revenue-led businesses without strong balance-sheet history.
Pros
- + Underwriting tied to live revenue data; decisions inside 48 hours.
- + No equity dilution; not a venture or convertible product.
- + Repayments scale with revenue, easing pressure in slow months.
- + Built for D2C, SaaS and subscription where balance-sheet underwriting fails.
Cons
- − Flat-fee structure hides effective APR; short paybacks compound the cost.
- − Tied to platform data; offline or B2B-services revenue is a poor fit.
- − Personal guarantee typical on Ltd company deals.
- − Funding bands depend on platform integrations and recent revenue stability.
Best for
- · Shopify, Amazon, Stripe and SaaS businesses with 6+ months trading
- · Marketing or inventory growth capital
- · Revenue-led businesses without strong balance-sheet history
Weak at
- · Offline B2B service businesses
- · Pre-revenue startups
- · Borrowers wanting a fixed-term predictable APR
When to use Outfund
Use Outfund when
Your application matches the best-fit profile: shopify, amazon, stripe and saas businesses with 6+ months trading, marketing or inventory growth capital, revenue-led businesses without strong balance-sheet history. The published ticket range (£10k to £10m) covers your ask, the decision speed (24 to 48 hours) fits your cash-gap timeline, and the rate range (Flat fee from around 5%, quoted at offer) is acceptable to you given your credit profile. Soft search at quote means there is no downside to running an eligibility check before committing.
Do not use Outfund when
Your profile sits in the weak-at list: offline b2b service businesses, pre-revenue startups, borrowers wanting a fixed-term predictable apr. Outfund will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Outfund as a screen.
FAQs
What is the minimum trading time for Outfund?
Outfund typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Outfund require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Outfund is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For revenue-based finance for online and subscription businesses specifically, expect a PG to be requested.
How fast does Outfund fund?
Outfund quotes 24 to 48 hours for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Outfund?
Outfund's published range is Flat fee from around 5%, quoted at offer. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Outfund declines me?
If Outfund declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Outfund scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via www.out.fund, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Outfund.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.out.fund.