For Accountants and Fractional FDs
If a client needs finance you do not want to arrange yourself, you can refer them for a whole-of-market comparison at no cost to them. FundBiz is an introducer paid by the lender on completion, not by the business. Referred enquiries are tagged at source so they are identifiable as yours, the client completes a soft-search enquiry with no credit-file footprint, and we do not provide accountancy services, so there is nothing to cross-sell into.
When a referral is worth making
Usually at one of four moments: a client has been declined by their bank and does not know the market beyond it; a facility is ending, being reduced, or has been withdrawn; a tax or VAT bill has landed that the cash cycle will not absorb; or growth has outrun the working capital, which is the healthiest version of the same problem. In each case the useful question is not which product, it is which lender, and that is the part a whole-of-market comparison answers faster than a single relationship bank can.
What we can and cannot place
In scope
- Limited companies, LLPs, partnerships of 4+
- Business loans and working capital
- Asset finance and commercial mortgages
- Invoice finance where there is a B2B ledger
- VAT and tax funding
- Refinance of existing facilities, including advances
- Post-decline and adverse-credit routes
Out of scope
- Sole traders and unincorporated businesses
- Partnerships of fewer than 4
- Consumer and personal borrowing
- Anything requiring regulated advice rather than an introduction
- Businesses that cannot evidence ability to service the facility
How the introduction works
- You send the client the referral link, or complete the enquiry with them.
- The enquiry runs a soft search only, so there is no credit-file footprint at this stage.
- A broker works the case against the panel and comes back with matched options.
- The lender pays the commission on completion. Your client pays nothing to compare.
Tagged as an accountant referral. Soft search, no credit-file footprint.
What your client is told
That FundBiz is a comparison and introducer service, not a lender, and that the lender pays our commission on a completed introduction. We do not present ourselves as their accountant's product, and we do not sell lead data. If a client asks whether you are paid for the referral, the honest answer should be whatever is true of your own arrangement, which is a conversation to have with us before you start referring rather than after.
Common questions
What does it cost my client?
Nothing to compare. FundBiz is a comparison and introducer service paid by the lender on a completed introduction, not by the business. There is no broker fee charged to your client for the comparison itself.
What happens to a client I refer?
They complete the same eligibility checker any visitor uses, which runs a soft search only, so there is no credit-file footprint at the enquiry stage. A broker then works the case against the panel and comes back with matched options. Referred enquiries are tagged at source, so they are identifiable as coming from you rather than sitting anonymously in the general pipeline.
Who is in scope?
Limited companies, LLPs and partnerships of four or more. Sole traders and unincorporated businesses are outside the perimeter and cannot be placed, so it is worth checking entity type before referring. There is no minimum trading history for an enquiry, though it heavily affects what is placeable.
What is realistically placeable?
Business loans and working capital, asset finance, invoice finance, commercial mortgages, VAT and tax funding, merchant cash advance and refinance of existing facilities. The cases that are hardest are pre-revenue businesses, sole traders, and companies that cannot evidence the ability to service the facility. A quick conversation is usually faster than guessing.
Do you take over the client relationship?
No. The introduction is for the finance question. We do not provide accountancy, tax or audit services, and there is nothing to cross-sell into. You keep the relationship.
Can you help a client who has been declined?
Often, because a decline is usually lender-specific rather than market-wide, and post-decline routing is the part of the market FundBiz is built around. What matters is why they were declined, since a thin file, an adverse marker and a sector exclusion each point at completely different lenders.
If the client's need is specifically invoice finance against a receivables ledger, start from invoice finance.
Founder & Managing Director, Muswell Rose, FundBiz
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. His background runs through commercial finance, mortgages and fintech, including as managing director of an invoice finance business. He oversees FundBiz's specialty finance comparison and the logic behind how businesses are matched to lenders.
Last reviewed: 9 September 2026