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 routing verdict

  • Product: Unsecured fixed-fee term loan.
  • Ticket band: £5k to £100k.
  • Decision time: 24 to 48 hours.
  • Pricing: Fixed total fee, quoted at offer.
  • Soft search at quote stage: no credit-file footprint.
  • FCA-authorised.

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 (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
Last reviewed
2026-05-08

Why we route here

  • Fixed total fee, no compounding interest.
  • Low minimum trading bar (3 months).
  • Funds in around 48 hours.
  • Direct lender; no broker hand-off.

When we route elsewhere

  • 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, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Cubefunder decline runbook for sector-specific routing detail.

Other panel lenders

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.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Cubefunder and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

Open matcher →

Last reviewed: 2026-05-08. By Oliver Mackman.

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Soft credit search · Decision in 24-72 hours · Limited companies, LLPs and partnerships of 4+