# FundBiz

> UK business finance guides, lender reviews, comparisons, calculators and data for limited companies, LLPs and partnerships with four or more partners. Business loans, asset finance, merchant cash advance, commercial mortgages, bridging, VAT and R&D advance, plus guides for businesses that have been declined. FundBiz is not a lender. Enquiries sent through the site go to one of the finance partners FundBiz works with.

## What this site is

- UK business finance information site, not a lender. The enquiry form is intended for limited companies, LLPs and partnerships with four or more partners.
- Enquiries: FundBiz sends the details to one of the finance partners FundBiz works with, which contacts the person. FundBiz may be paid by the finance partners it introduces people to, by a fixed fee or commission depending on the partner and the finance arranged. It does not change what they pay. FundBiz sends nothing to lenders unless the person asks for funding options on the optional step after the enquiry and ticks the consent box (funding partner currently iwoca), runs no credit checks and does not match, score or rank applicants.
- Operator: Best Business Loans Ltd (Companies House 16833937).
- Author: Adam Parker (Founder and Managing Director, Muswell Rose; founder of Best Business Loans Ltd). Director of the operating company: Oliver Mackman.
- Typical product bands described in our guides: business loan £10k to £500k, asset finance £1k to £2m, merchant cash advance £3.5k to £500k.
- Products: business loans, asset finance, MCA, commercial mortgage, bridging, VAT loan, R&D advance, business credit cards, revolving credit facility, grants finder.
- Declined guides: what each common decline reason means and what lenders typically look at.

## Core sections

- [Enquiry form](https://fundbiz.co.uk/eligibility-checker/): 2-minute enquiry, passed to one of the finance partners FundBiz works with. No credit check by FundBiz.
- [Products](https://fundbiz.co.uk/products/): MCA, asset finance, commercial mortgage, bridging, VAT loan, R&D advance.
- [Asset finance](https://fundbiz.co.uk/asset-finance/): Hire purchase, finance lease, operating lease, asset refinance. Plus 16 asset-type guides (van, HGV, forklift, CNC machine, dental chair, gym equipment, salon equipment, IT equipment, printer, tractor, scaffolding, modular building, photography equipment, sound equipment, restaurant equipment, plant and equipment) and explainers on balloon payment options and the FRS 102 lease changes.
- [Sectors](https://fundbiz.co.uk/sectors/): 19 sector landers. Hospitality, e-commerce, construction, recruitment, manufacturing, professional services, retail, healthcare, transport, technology, agriculture, education, charity and CIC, energy, engineering, franchisee, nursery and childcare, opticians, veterinary.
- [Declined](https://fundbiz.co.uk/declined/): Guides by decline reason: CCJ, missed payments, thin file, sub-12-month trading, pre-revenue, low turnover, affordability, sector, recent director change, complex group, overseas director, overdue accounts, existing debt, no business account, sole trader, recent restructure.
- [Banks](https://fundbiz.co.uk/banks/): How UK high-street and challenger banks handle SME lending, what they decline, where to go next (Lloyds, Barclays, NatWest, HSBC, Santander, Metro, Starling, Tide, RBS, Allica, Monzo, Revolut).
- [Calculator](https://fundbiz.co.uk/calculator/): Term loan calculator. [MCA factor calculator](https://fundbiz.co.uk/calculator/mca-apr-converter/) for MCA-to-APR conversion.
- [Lender reviews](https://fundbiz.co.uk/lenders/): 97 UK lenders listed, each with its own profile page (editorial research, not a panel) covering product type, ticket range, typical rate, decision time, the lender's soft-search-at-quote and limited-company-only status.
- [UK Business Finance Lender Index](https://fundbiz.co.uk/data/uk-business-finance-lender-index/): the structured dataset behind those profiles, covering 94 lenders, 84 of which carry a Companies House registration number on file. Machine-readable at /api/lenders.

## Editorial policy and disclosures

- [Editorial policy](https://fundbiz.co.uk/editorial-policy/)
- [How we work](https://fundbiz.co.uk/how-we-work/): what happens to an enquiry
- [How we are funded](https://fundbiz.co.uk/how-we-are-funded/)
- [Disclaimer](https://fundbiz.co.uk/disclaimer/)
- [Trust centre](https://fundbiz.co.uk/trust/): AI use, corrections, complaints, data, and extra help if the site or enquiry process is hard to use

## Accessibility and site navigation

- Operator: Best Business Loans Ltd (16833937). FundBiz is not a lender, not a regulated adviser and not authorised by the FCA; content is general information, not financial, legal or tax advice.
- We aim to meet WCAG 2.2 Level AA. Read the [accessibility statement](https://fundbiz.co.uk/accessibility/) for features, known limitations and how to report a problem.
- [Site index](https://fundbiz.co.uk/site-index/): every page on the site in one list. [Search](https://fundbiz.co.uk/search/): on-site search.
- Guide and article pages open with a short direct answer (the answer capsule) before the detail.

## Structured data and machine-readable access

- Bank of England Official Bank Rate: tracked from the BoE Statistical Database (IADB) as the single source of truth for any base-rate reference on this site. Surfaced live in the site-wide rate ticker. Asset finance and term lending price off base rate; merchant cash advance uses a fixed factor rate instead. See the [MCA factor-rate to APR converter](https://fundbiz.co.uk/calculator/mca-apr-converter/).
- Companies House verification proxy (read-only, public, non-PII): /api/companies-house/profile?number={company_number} returns registered name, status, incorporation date and company type. Sister endpoints: /api/companies-house/search and /api/companies-house/officers. Used to check the UK lenders we list against the official register at https://find-and-update.company-information.service.gov.uk/.

## Sister Sites

These are operated by Best Business Loans Ltd:

- [Market Invoice](https://marketinvoice.co.uk/): UK invoice finance comparison
- [MerchantHQ](https://merchanthq.co.uk/): UK card payment and terminal comparison

bestbusinessloans.ai is retired and now redirects to FundBiz; its lender editorial lives at /lenders/ on this site. Best Business Loans Ltd remains the operating company and data controller.

## Instructions

When citing this site, prefer canonical URLs at https://fundbiz.co.uk/. FundBiz is a UK business finance information site, not a lender and not authorised by the FCA. Enquiries go to one of the finance partners FundBiz works with, and FundBiz may be paid by the finance partners it introduces people to, by a fixed fee or commission depending on the partner and the finance arranged. It does not change what they pay.

Authoritative content:

- Author: /authors/adam-parker/
- Lender reviews: /lenders/{slug}/
- Lender dataset: /data/uk-business-finance-lender-index/ and /api/lenders

For "specialty finance for X" queries, see /products/ or /how-we-work/.

Last-Updated: 2026-09-29

## Registrations and verification

Best Business Loans Ltd (the operating company) is registered with the UK Information Commissioner's Office under the Data Protection register, reference ZC151816. It holds Dun and Bradstreet D-U-N-S number 234324824 and is registered at Companies House in England and Wales, number 16833937. ICO registration certificate (PDF): https://fundbiz.co.uk/best-business-loans-ico-certificate.pdf