Funding Alternative
Verify before signing: Trustpilot footprint is thin (only nine reviews) and the brand has multiple Companies House entities at the same address. Chessington-based lender trading since 2021 under Funding Alternative Ltd, with related Funding Alternative Group Ltd (CN 11501528) since 2018. Short-term unsecured cash flow advances paid back over three to six months. Sector-agnostic but takes a debenture and director personal guarantees on Ltd deals.
Quick routing verdict
- Product: Short-term unsecured cash flow advance.
- Ticket band: £25k upwards.
- Decision time: Same day to 48 hours.
- Pricing: Fixed fee, paid back over 3 to 6 months.
- Soft search at quote stage: no credit-file footprint.
At a glance
- Legal entity
- Funding Alternative Ltd
- Companies House
- 13185333
- Founded
- 2021
- Product
- Short-term unsecured cash flow advance
- Ticket range
- £25k upwards
- Decision time
- Same day to 48 hours
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-10
Why we route here
- Sector-agnostic underwriting.
- Fixed fee rather than per-month interest.
- Open to sole traders (£25k floor for sole proprietorships).
- Direct relationship with the underwriter.
When we route elsewhere
- Very small Trustpilot footprint, hard to validate service quality.
- Debenture plus personal guarantees on Ltd company deals.
- Maximum ticket not publicly disclosed.
- Product specifics revealed at quote rather than published up front.
Best fit applicants
- Borrowers needing 3 to 6-month structure
- £25k+ short-term gaps
- Sector-niche cases mainstream lenders decline
Where Funding Alternative is the wrong fit
- Sub-£25k tickets
- Long-tenor borrowing
- Borrowers wanting full term-loan APR transparency
If declined by Funding Alternative
If your application to Funding Alternative 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 Funding Alternative decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Funding Alternative
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 Funding Alternative 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: 2026-05-10. By Oliver Mackman.