Specialty business finance products
Six specialty UK SMB finance products covered on FundBiz. Limited companies, LLPs and partnerships of 4+ only. For invoice finance see our sister site MarketInvoice.
Merchant cash advance (MCA)
Repaid as a percentage of daily card-machine takings. Best for hospitality and retail with strong card flow. Tickets from £3.5k to £500k. Specialist UK MCA lender panel.
Revenue-based finance
For online sellers. A lump sum repaid as a share of daily sales, underwritten on Shopify, Amazon and Stripe data rather than filed accounts. Specialist UK ecommerce lender panel.
Asset finance
Hire purchase, finance lease and operating lease for equipment, vehicles and machinery. The asset is the security so PG requirements are softer than unsecured term loans.
Commercial mortgages
Long-term finance against commercial property purchase or refinance. Tickets from £150k to £10m+. PRA-regulated banks dominate the panel.
Bridging loans
Short-term, asset-backed finance for property completions and time-sensitive deals. Terms of 3 to 24 months. Specialist UK bridging lenders only.
VAT funding
Short-term loans timed to your VAT bill. Repaid out of next VAT-quarter cashflow. Useful for businesses with seasonal VAT-bill spikes against quiet trading months.
R&D tax credit advance
Cash now against your filed (or about-to-be-filed) R&D tax credit claim. Specialist UK lenders only. Useful when the R&D refund is months away but the cashflow is needed now.
Business credit cards
Compare UK business credit cards for limited companies: representative APR, annual fee and cashback. Independent comparison for Ltd companies, LLPs and partnerships of 4+.
Business loans by type
If you are starting from the loan itself rather than a specialty product, these pages cover the main business-loan routes, how each one is secured, and who qualifies.
Unsecured business loans
A lump sum with no asset pledged as security. Fast to arrange, usually backed by a director’s personal guarantee. Best for working capital and short-term needs.
Limited company loans
Borrowing in the company’s own name as a separate legal entity. The full product range, secured and unsecured. Why lenders still ask directors for a personal guarantee.
Bad credit business loans
Finance despite a CCJ, default or low score. Secured and income-based routes that lean on an asset or future sales rather than the credit file. The trade-offs, stated plainly.
Peer-to-peer (P2P) finance
Platform-matched lending funded by investors or institutional money rather than a bank balance sheet. FCA-authorised platforms. How it compares with a bank loan.
No personal guarantee
Which finance types are genuinely PG-light or PG-free, why most unsecured lending needs a director guarantee, and the trade-offs of going without one.
Secured business loans
Borrowing against property, equipment or the debtor book for a lower rate and a higher ceiling. What counts as security, and the repossession risk stated plainly.
Guarantor business loans
What "guarantor loan" really means for a limited company: the director's personal guarantee. Caps, risks, legal advice, and the routes to borrowing without one.
Business line of credit
The draw-and-redraw borrowing limit, and the four UK products that deliver one: revolving credit facility, overdraft, credit card and invoice finance drawdown.
Revolving credit facility
A pre-agreed limit to draw, repay and redraw, paying interest only on drawn funds. The specialist-lender answer to the overdraft, sized for real working capital.
Short term business loans
Borrowing over 3 to 18 months for a defined, near-term need. How pricing works on short terms and when a revolving facility beats a loan.
Fast business loans
When speed is the constraint: which products genuinely complete in days, what slows deals down, and what fast costs versus patient borrowing.
Cash flow loans
Lump-sum working capital lent against trading cash flow rather than assets. Where it fits between an overdraft and a term loan.
Development finance
Funding for property development and heavy refurbishment: staged drawdowns, exit routes and how lenders size the facility.
Business acquisition loans
Borrowing to buy a business or buy out a partner: deal structures, what lenders want to see, and how the DSCR maths works.
How fast each product moves
Decision speed and headline cost usually pull in opposite directions. The fastest products are the most expensive; the cheapest take the longest to arrange.
Other ways to navigate
Product is one lens. Some readers start from sector, lender panel, or decline-by-reason instead.
By sector
Sector-specific specialty finance: hospitality, construction, retail, manufacturing, recruitment and more.
UK lender panel
The PRA-regulated banks and specialist lenders FundBiz routes specialty finance applications to.
After a decline
Decline-by-reason routing. The specialist panel that engages where mainstream lenders will not.
Triggered by an event
A decline, an HMRC enquiry, a balloon payment or a collapse in trading has narrowed your options. Scenario-by-scenario routing.
HMRC and tax funding
PAYE arrears, Corporation Tax, VAT and CIS funding scenarios where an HMRC deadline is driving the need.
Government-backed schemes
The Growth Guarantee Scheme, Recovery Loan Scheme legacy and Start Up Loans, and where each one fits.
Eligibility checker
Two-minute eligibility form. Limited companies, LLPs and partnerships of 4+ only.