Business finance, explained.
FundBiz explains UK business finance for limited companies, LLPs and partnerships with four or more partners: business loans, asset finance, merchant cash advance, commercial mortgages, VAT funding and options after a decline. Want to check your options? Send an enquiry. It's free.
How much are you looking to borrow?
Pick an amount to start · Free · 2 mins- 97 lender profiles in our guides
- Free, no obligation
Where does your cash dip?
An illustrative business over twelve weeks. Pick what causes the dip.
Each kind of finance repays in a different way. The chart below shows how.
In this example, an MCA of £25k arrives in week 6. Usually a share of each day’s card takings.
Decision: minutes to 3 working days, across the providers that publish one (their own figures). Typical ticket: £1,000 to £2m. Cost of finance: at the 1.25 factor rate in our MCA worked examples, £25k means £31.25k repaid in total. Offers vary.
The chart leaves out the cost of finance: the repayments drawn are the amount borrowed only, so the real total repaid is higher (see the cost line under the chart). Illustrative, not your business. Ticket and speed figures are what lenders publish on their own sites. Not a quote or an offer: each lender sets its own terms.
Check your business finance options
Tell us what you need in about two minutes. Free, no obligation. FundBiz isn't a lender and doesn't run a credit check.
Send your enquiry
Step 1 of 3 · Your business
How FundBiz uses your details: privacy notice. FundBiz isn't a lender. The finance partner or a lender may run their own checks.
Most-read guides
A merchant cash advance, as an example
How to read a shape
The difference between products is how the money comes back.
Above the line is cash arriving
The green bar is the money reaching your business account.
Below the line is what you give back
Equal steps, a slice of sales, one big payment at the end, or nothing. The colour tells you which family it is.
Compare how it is repaid
Two products can both say “£50,000”. One is repaid in fixed monthly amounts; the other takes more in busy months and less in quiet ones. That affects your cash each month.
What kind of finance are you looking for?
Each type of finance works differently. Pick one to see how it works and which lenders offer it.
UK business finance types compared · Typical market ranges for six products. Each lender sets its own terms.
| Shape | Product | How it repays | Typical ticket | Decision time | Security |
|---|---|---|---|---|---|
| Merchant cash advanceRepaid from your sales | Usually a share of each day’s card takings. | £1,000 to £2m | Minutes to 3 working days, across the providers that publish one (their own figures) | Card takings | |
| Asset financeSecured on an asset or property | Fixed payments, with the vehicle or equipment as the security. | £5,000 to £5m | Ultimate Finance says one working day; Liberty Leasing says payout in 24 to 48 hours (their own figures) | The asset itself | |
| Commercial mortgageSecured on an asset or property | Smaller payments over many years, secured on the property. | £100,000 to £35m | Varies by lender | Property | |
| Business loanFixed instalments | Fixed instalments over a set term. | £1,000 to £1m (online and unsecured lenders) | Minutes to 2 days, across the lenders that publish one (their own figures) | Usually unsecured + PG | |
| VAT loanFixed instalments | Short term, repaid from the next VAT quarter’s cash flow. | Varies by lender | Varies by lender | Usually unsecured + PG | |
| R&D tax credit advanceRepaid from your HMRC refund | Cash now against your claim, repaid when the refund arrives. | Varies by lender | Varies by lender | HMRC repayment |
Decision times are what lenders publish on their own websites, as recorded in our lender reviews; some quote a decision, some quote funding. Where fewer than two lenders publish a figure, we say it varies by lender. Ticket ranges run from the lowest to the highest figure lenders publish on their own sites; yours depends on the lender and your business.
All finance products
MCA, asset finance, commercial mortgage, bridging, VAT loan, R&D advance: the full product matrix with eligibility, loan sizes and the lenders we list per product.
See all products →
Asset finance
Vans, HGVs, plant, dental chairs, gym kit, IT, scaffolding. Hire purchase, lease, refinance. 17 asset classes, with the lenders we list per class.
See asset finance hub →
HMRC tax pressure
VAT loan emergencies, PAYE arrears, Corporation Tax bridges, CIS deduction advances. Specialist lenders that engage with HMRC scenarios.
See HMRC options →
Business grants finder
Free finder across real UK grant schemes by nation, stage and purpose, with an honest read on what grants exist, plus faster finance when a grant isn't an option.
Find business grants →
Business credit cards
Compare UK business credit cards for limited companies: representative APR, cashback and fees. Cashback, startup and no-personal-guarantee routes.
Compare cards →
Turned down by a lender
Declined by your bank or a mainstream lender? We map your decline reason to the specialist UK lenders that engage with it. 23 reasons covered.
See decline guides →
FundBiz is for UK limited companies, LLPs and partnerships with four or more partners. The enquiry form isn't intended for sole traders or unincorporated businesses.
Want to see providers side by side? Compare UK business finance providers across the lenders we list.
What happens when you send an enquiry
How a FundBiz enquiry works: you fill in the form, before you send, the form tells you your details go to one of the finance partners we work with, they contact you about your options and may be introduced to lenders, and any lender decides for itself and may run its own checks. FundBiz is not a lender and does not run credit checks. The finance partner pays FundBiz a fixed fee for each enquiry; you pay nothing.
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Tell us product, amount, basic profile
About two minutes. No credit check by FundBiz. For limited companies, LLPs and partnerships with four or more partners.
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We pass it to one of the finance partners we work with
We email your enquiry to one of the finance partners we work with and send you a confirmation. FundBiz doesn't send it to lenders.
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You hear about your options
You may be introduced to lenders, who make their own decisions. No fee to you from FundBiz: the finance partner pays us a fixed fee for each enquiry.
UK specialty SME finance questions, answered
What is FundBiz and how does it work?
FundBiz publishes UK business finance guides, lender reviews and calculators for limited companies, LLPs and partnerships with four or more partners: business loans, asset finance, MCA, commercial mortgages, bridging, VAT and R&D finance, business credit cards and a free grants finder, plus guides for when your bank has said no. If you want to talk to someone, send an enquiry: we pass your details to one of the finance partners we work with, who will contact you. FundBiz does not run a credit check.
Who can send an enquiry through FundBiz?
UK limited companies, LLPs and partnerships with four or more partners. Trading history typically 6+ months for most products, 12+ months for unsecured term lending. The enquiry form isn't intended for sole traders or unincorporated businesses.
I was declined by my bank. Can FundBiz help?
FundBiz does not lend or arrange finance, but our guides explain 23 decline reasons (CCJs, missed payments, thin file, sub-12-month trading, sole-trader structure, complex group, recent restructure, HMRC arrears, sector exclusions, low turnover, geographic exclusions, security limitations, FCA-related declines and more) and the kinds of specialist lender that consider each. You can also send an enquiry to one of the finance partners we work with.
What does FundBiz cost?
Nothing. FundBiz is paid a fixed fee by one of the finance partners we work with for each enquiry we pass on. Lenders don't pay us. There's no obligation to proceed after sending an enquiry.
How does FundBiz differ from MarketInvoice?
MarketInvoice is invoice finance specifically (factoring, discounting, selective), sister site. FundBiz covers wider business finance for limited companies: loans, asset finance, MCA, commercial mortgages, cards and more, including guides for businesses that have been declined.
Want to talk through your options?
Tell us the product, amount and a basic profile in about two minutes. FundBiz isn't a lender and doesn't run a credit check.
Send an enquiryFree · 2 mins · No obligation
- Operated by Best Business Loans Ltd (16833937)
- Director Oliver Mackman