Cubefunder
Windsor-based direct lender trading as Cubefunder. Fixed-fee structure means total cost is set at outset rather than accruing as APR. Open to England-and-Wales Ltd companies trading three months or more with £4k+ monthly turnover.
Quick verdict
- Product: Unsecured fixed-fee term loan.
- Ticket band: £5k to £100k.
- Pricing: Fixed total fee, quoted at offer.
- Cubefunder says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Cubefunder, at a glance
- Legal entity
- Tallaght Financial Ltd
- Companies House
- 09261403
- Founded
- 2014
- Product
- Unsecured fixed-fee term loan
- Ticket range
- £5k to £100k
- Decision time
- 24 to 48 hours
- Ltd-only
- Yes
Where Cubefunder is strong
- Fixed total fee, no compounding interest.
- Low minimum trading bar (3 months).
- Funds in around 48 hours.
- Direct lender; no broker hand-off.
Watch-outs, and when another lender may suit better
- England and Wales Ltd companies only, Scotland and NI excluded.
- Cap of £100k limits utility for larger SMEs.
- Headline rate not advertised, total fee revealed only at offer.
- Smaller brand vs mainstream alternatives.
Best fit applicants
- Newer Ltd companies (3 months+ trading)
- Sub-£100k tickets
- Borrowers wanting predictable total cost
Where Cubefunder is the wrong fit
- Scottish and NI registered companies
- £100k+ tickets
- Sole traders
If declined by Cubefunder
If your application to Cubefunder 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 Cubefunder
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 Cubefunder?
Cubefunder offers unsecured fixed-fee term loan. Ticket range: £5k to £100k. Typical rate: Fixed total fee, quoted at offer.
How long does Cubefunder take to decide?
24 to 48 hours Cubefunder says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Cubefunder the best fit for?
First on the list: Newer Ltd companies (3 months+ trading). The full list is under Best fit applicants above.
When might another lender suit better than Cubefunder?
First on the list: Scottish and NI registered companies. The other cases are under Where Cubefunder 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: Cubefunder
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.