Rivers Funding, a subsidiary of Rivers Finance Group Plc, is an independent, own book lender, established in 2010. Our team of Business Finance Specialists are experienced professionals who provide independent business finance and loans with a special focus on supporting SMEs in any sector.
Years in business
Businesses helped
Funding delivered

Why Rivers?

Loan for Small Business UK
Responsible lending
Rivers Funding is a Rivers Finance Group PLC company that has been providing business finance solutions to SMEs since 2010. We have a reputation for responsible decision making underpinned by highly skilled, human underwriting.
Loan for Small Business UK
Experience decision making
With loans available from three months to five years, ranging from £5,000 to £100,000, when you apply for a Rivers loan, our Business Finance Specialists can guide you through your application process and our experienced underwriters will make a timely and informed decision to help you get the right finance in place for your needs.
Loan for Small Business UK
Designed for business
We work with limited companies and LLPs in all sectors, registered in England and Wales, providing short- term Cash Flow Solutions and medium-term Business Growth Funding Loans to help you operate and thrive.
Cash Flow Solution Loans

Our products

At Rivers we're invested in helping your business achieve its goals with sensible and dependable finance. That's why we offer loans in two categories - short-term Cash Flow Solution Loans and medium-term Business Growth Funding Loans, allowing you to tailor your application to suit you and your business needs.

Cash Flow Solution Loans

Our Cash Flow Solution Loans help businesses bridge a short-term funding gap for numerous purposes including purchasing stock, providing working capital, covering VAT payments and investing in marketing and advertising.

Business Growth Funding Loans

Our Business Growth Funding Loans support businesses that require funding for longer-term purposes, such as expansion, acquisition of new premises and general business development.

How Rivers works

Loan for Small Business UK
Loan for Small Business UK
Loan for Small Business UK

Loan calculator

By using our loan calculator you can see what your repayments may look like over your desired term.

How to use our loan calculator

  1. Move the slider to the amount you want to borrow.
  2. Press for the number of months you want to borrow over.
  3. Check the repayment amount is within your budget.
  4. Press the 'Apply now' button if you wish to proceed with a loan application. You must have been trading for a minimum of three months.
This loan calculator is only an example. All repayments and rates are indicative and are intended as a guide. The actual repayments will be different and will vary based on your business circumstances.
Direct Debits collected every 14 days
Direct Debits collected monthly
Term in months
Applying will not impact your credit score
Loan for Small Business UK

Frequently asked questions

Loan for Small Business UK

Award-winning finance

Rivers Funding is part of Rivers Finance Group Plc, an award-winning and highly experienced lender.
Rivers works with businesses across all sectors