Business Funding · UK SMEs
Fast, flexible funding.
Built for how
small businesses work.
Banks move slowly and ask too many questions. We work with specialist lenders built for UK small businesses — with funding options from £5,000 to £50m, decisions in 24 hours, and repayment structures that flex with your revenue.
Do you qualify?
Most UK SMEs are eligible.
Here's what we look for.
We're not a bank. We don't apply absurdly rigid criteria or make you wait six weeks for an answer. Our lending partners are built for small businesses — and their criteria reflect that.
Featured option
Merchant Cash Advance —
the most popular option for card-taking businesses.
If your business takes card payments, an MCA lets you borrow against your future card revenue. Repayment happens automatically as a small percentage of daily sales — so you pay more when business is good, and less when it's quieter.
Why businesses choose MCA
- ✓No security or collateral required
- ✓Repayments flex — a small % of daily card sales, nothing fixed
- ✓One clear total cost — no APR, no late fees, no hidden charges
- ✓Approval within 24 hours, funded within days
- ✓Access up to 12 months of average monthly card revenue
- ✓Terms from 3 to 24 months — choose what suits your business
All funding options
The right funding type
for every business need.
We're not limited to one product. Our panel of specialist lenders covers every major funding type — and we'll recommend the right fit for your situation.
Merchant Cash Advance
Ideal for card-taking businesses of all sizes
Borrow against your future card revenue. Repaid automatically as a percentage of daily card sales — no fixed monthly payment, no security needed.
- ✓No fixed monthly repayment
- ✓Approval in 24 hours
- ✓From 3–24 months
Short-term & Flexible Loans
Fast access for immediate needs
Short-term unsecured loans from 3 months to 2 years for businesses that need fast access to cash for stock, equipment, or working capital.
- ✓Unsecured options available
- ✓Fixed or rolling credit facilities
- ✓Minimal paperwork
Asset & Vehicle Finance
Fund equipment without tying up capital
Finance machinery, equipment, or vehicles with the asset acting as the security — keeping your cash reserves free for the business itself.
- ✓Asset acts as security
- ✓Spread cost over the asset's useful life
- ✓Cars, vans, machinery, and more
Invoice & Property Finance
Unlock cash tied up in your business
Release cash tied up in outstanding invoices or property — improving cash flow without taking on traditional debt or waiting for customers to pay.
- ✓Invoice finance — get paid without waiting
- ✓Property finance for commercial premises
- ✓Flexible structures available
Common questions
Business funding FAQs.
What is a merchant cash advance and how does it work?
How quickly can I get funded?
Do I need to provide security or collateral?
What can I use the funding for?
What's the minimum and maximum I can borrow?
Stop waiting for the bank
to say yes.
A quick conversation is all it takes to find out what you could access — and whether a merchant cash advance, loan, or another product is the right fit.
Free no-obligation consultation. No impact on your credit score to enquire.
Apply now
Get your free funding quote.
Tell us a bit about your business and what you're looking for. We'll be in touch the same day to discuss your options.