Tide loans (Funding Options)
Tide loans is a broker product, not a direct lender. Tide Platform Limited (founded 2015, Companies House 09595646) acquired Funding Options in 2023 and now matches applicants to 80+ panel lenders for tickets from £500 to £20m, with decisions in 24 hours to 5 days. Soft search at quote. Tide is a designated Bank Referral Scheme platform, useful for post-decline rerouting. Best fit: existing Tide banking customers and borrowers wanting a single broker entry point rather than lender-by-lender comparison.
Quick routing verdict
- Product: Broker / aggregator (not a direct lender).
- Ticket band: £500 to £20m (panel-priced).
- Decision time: 24 hours to 5 days.
- Pricing: Varies by panel lender.
- Soft search at quote stage: no credit-file footprint.
- FCA-authorised.
At a glance
- Legal entity
- Tide Platform Limited
- Companies House
- 09595646
- Founded
- 2015
- Product
- Broker / aggregator (not a direct lender)
- Ticket range
- £500 to £20m (panel-priced)
- Decision time
- 24 hours to 5 days
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- 80+ lender panel inherited from Funding Options.
- Bank Referral Scheme designation, useful for post-decline routing.
- In-app journey for existing Tide banking customers.
- Soft search at quote.
When we route elsewhere
- Not a direct lender; rate and product depend on which panel member approves.
- Funnel half-trapped inside Tide app for non-Tide customers.
- Brand drift: borrowers expect a Tide loan but receive a panel-routed offer.
- Less useful than going lender-direct if you already know who fits.
Best fit applicants
- Existing Tide banking customers
- Post-decline rerouting via BRS
- Borrowers wanting a single broker entry point
Where Tide loans (Funding Options) is the wrong fit
- Borrowers who want lender-by-lender objectivity
- Borrowers outside the Tide ecosystem
- Borrowers wanting a direct relationship with the underwriter
If declined by Tide loans (Funding Options)
If your application to Tide loans (Funding Options) 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 Tide loans (Funding Options) 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 Tide loans (Funding Options)
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 Tide loans (Funding Options) 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.