How we are funded

FundBiz is a UK commercial finance broker. We earn commission when an introduction to a lender on our panel results in funding being drawn down. This page is the full disclosure: what we earn, what it does not buy, and how we keep matching honest.

Revenue model

When an applicant we introduce signs a finance facility with a lender on our panel, the lender pays us a commission. Commission is typically a percentage of the facility size, paid once on completion. Some lenders use a flat-fee model; some pay a smaller residual on continuing facilities.

We do not charge applicants. There is no application fee, broker fee, success fee or "exclusive deal" fee billed to the borrower. Lenders pay us; you do not.

How matching is decided

The post-decline matcher and product-lander matchers route on three criteria, in this order of importance:

  1. Eligibility fit. Will the lender actually consider this applicant given their criteria, sector, ticket size and decline reason?
  2. Approval probability. Based on our panel-conversion data, which lender most often approves applicants of this type?
  3. Commission tier. Among lenders equally likely to approve, we prefer the higher tier. This is a tie-breaker, not a primary input.

The matching weights are documented in how we work. Changes to weights are version-stamped on that page.

What money does not buy

  • A position at the top of the matcher results.
  • A "preferred lender" badge that is not earned by approval-rate data.
  • The right to be quoted in a sector lander or post-decline guide without panel-fit justification.
  • Removal of a lender's known restrictions or decline reasons from a guide.

Sister sites and cross-introductions

Best Business Loans Ltd owns FundBiz and two sister sites: MarketInvoice (invoice finance comparison) and CardMachines (terminals).

Where a sister site links to FundBiz for readers moving from research to applying, we disclose that on the page where the link appears. Cross-site ranking has no effect on which lender FundBiz routes you to.

Auditing

The split between commercial decisions (commission tiering, panel acceptance) and matching decisions (which lender we route a given applicant to) is audited internally once a year. The audit checks routing logs against panel-conversion data and against the documented weights. Findings are summarised on this page in the year-end review.

Last reviewed: 26 April 2026.