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 verdict
- Product: Short-term unsecured cash flow advance.
- Ticket band: £25k upwards.
- Pricing: Fixed fee, paid back over 3 to 6 months.
- Funding Alternative says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Funding Alternative, 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
- No, the lender also accepts other structures
Where Funding Alternative is strong
- Sector-agnostic underwriting.
- Fixed fee rather than per-month interest.
- Direct relationship with the underwriter.
Watch-outs, and when another lender may suit better
- 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, 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 Funding Alternative
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 Funding Alternative?
Funding Alternative offers short-term unsecured cash flow advance. Ticket range: £25k upwards. Typical rate: Fixed fee, paid back over 3 to 6 months.
How long does Funding Alternative take to decide?
Same day to 48 hours Funding Alternative says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Funding Alternative the best fit for?
First on the list: Borrowers needing 3 to 6-month structure. The full list is under Best fit applicants above.
When might another lender suit better than Funding Alternative?
First on the list: Sub-£25k tickets. The other cases are under Where Funding Alternative is the wrong fit above.
Send an enquiry
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Send an enquiry →Official site: Funding Alternative
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.