4Syte
Chelmsford-based independent specialist running single-invoice discounting alongside whole-turnover and asset-based facilities. The 4Syte umbrella covers a stack of sister entities (Secured, Construction, Receivables, ABL) so structuring sits at the heart of the offer. Aimed at SMEs that mainstream factors have priced out or declined.
Quick verdict
- Product: Invoice finance and asset-based lending.
- Ticket band: £25k to £5m.
- Pricing: Quoted at offer.
At a glance
4Syte, at a glance
- Legal entity
- 4Syte Lending Ltd
- Companies House
- 08980337
- Founded
- 2014
- Product
- Invoice finance and asset-based lending
- Ticket range
- £25k to £5m
- Decision time
- 24 to 72 hours
- Ltd-only
- No, the lender also accepts other structures
Where 4Syte is strong
- Single-invoice option for one-off cash gaps without a long-term contract.
- Multiple sibling entities allow structured deals across construction and ABL.
- Faster onboarding than mainstream invoice finance providers.
- Direct lender relationship with sector underwriters.
Watch-outs, and when another lender may suit better
- Headline rates not published; quoted only on a per-deal basis.
- No material Trustpilot footprint to validate service quality.
- Personal guarantee almost always required.
Best fit applicants
- Single-invoice discounting
- Construction-sector receivables
- Decline-from-mainstream cases
Where 4Syte is the wrong fit
- Rate-shopping borrowers
- Sub-£25k tickets
- Sole traders without ledger volume
If declined by 4Syte
If your application to 4Syte is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate 4Syte
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through 4Syte?
4Syte offers invoice finance and asset-based lending. Ticket range: £25k to £5m. Typical rate: Quoted at offer.
How long does 4Syte take to decide?
24 to 72 hours
Who is 4Syte the best fit for?
First on the list: Single-invoice discounting. The full list is under Best fit applicants above.
When might another lender suit better than 4Syte?
First on the list: Rate-shopping borrowers. The other cases are under Where 4Syte is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: 4Syte
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.