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UK merchant cash advance (MCA): how it works, who it fits, typical rates, named lenders we route to. £3.5k to £500k against daily card-machine takings.

UK asset finance: hire purchase, finance lease, operating lease and asset refinance. Equipment, vehicles, machinery. Limited companies, £5k to £5m+.

Balloon coming due on a hire purchase. Refinance routes for plant, vehicles and equipment, how to keep the asset, when to walk away, comparison of UK SMB.

FRS 102 lease accounting effective 1 January 2026. Operating leases now on balance sheet.

Release working capital from owned assets through refinance, sale and leaseback, or hire-purchase refinance.

Release working capital from owned UK plant, vehicles or equipment via sale-and-leaseback. How it works, who it suits, panel lenders, worked example.

UK commercial mortgages: owner-occupier and investment, £150k to £10m+, terms 5-25 years. Allica, OakNorth and high-street banks. Limited companies and LLPs.

UK commercial bridging loans: short-term, asset-backed, 3-24 months. Property completions, auction purchases, refurbishment, transitional finance.

UK VAT bill due, cash short. VAT loan vs HMRC Time-to-Pay arrangement, real rates, worked example on a £10,000 VAT bill, when each one fits.

UK VAT funding: short-term loans timed to your VAT bill. Repaid out of next VAT-quarter cashflow. £5k to £500k.

UK R&D tax credit advance: cash now against your filed (or about-to-be-filed) R&D claim. £25k to £2m+. Specialist lenders only.

Construction subcontractors with CIS deductions held back. UK specialist lenders that advance against CIS due back via tax return.

Profitable trading, cashflow stretched at Corporation Tax due-date. UK bridge-loan and short-term lenders that compete with HMRC Time To Pay interest.

VAT bill due in days, cash short. UK specialist VAT-loan lenders that fund against next-quarter cashflow.

Specialist UK SME finance for HMRC tax pressure: VAT loans, PAYE arrears working capital, Corporation Tax bridges, CIS deduction advances.

PAYE or NIC arrears stacking. UK working-capital lenders that engage with HMRC arrears, what they want to see, and where to start.

Declined for a UK business loan? Tell us why and we route to specialist lenders that accept the decline reason.

UK charity or community interest company (CIC) caught between restricted grant funding and unrestricted operational costs.

You run a UK construction company and Funding Circle has declined your application.

UK e-commerce seller declined by Amazon Lending, Shopify Capital, eBay Capital or other marketplace-embedded lenders.

UK healthcare staffing agency or locum management business needing finance for the medical locum payroll cycle.

UK hospitality business (restaurant, pub, café, hotel) with an MCA daily draw eating into card takings.

UK manufacturer with PAYE, VAT, or Corporation Tax arrears. Specialist lenders that engage with HMRC pressure on manufacturing files, the routing options.

UK recruitment agency with a County Court Judgment on the company or director credit file.

UK retailer caught in seasonal cash-flow stress (post-Christmas dip, summer trough).

UK tech or SaaS business trading less than 12 months, declined by mainstream lenders.

UK aesthetic clinic or medical aesthetic business facing CQC compliance investment plus tightening UK cosmetic regulation (JCCP voluntary register.

UK farm or agricultural business with most revenue from a single off-take buyer (supermarket, dairy processor, livestock market, food manufacturer).

UK B2B SaaS business with enterprise customer purchase decisions delayed or frozen (Q4 budget freezes, year-end cost reviews, procurement consolidation).

UK care home (residential, nursing, specialist) caught between CQC compliance investment and operating cashflow.

UK community pharmacy caught between NHS prescription payment cycle and continuous operating costs.

UK construction subcontractor caught in main contractor late payment (30+ days beyond contractual terms).

UK independent school, training provider, tuition agency, or education business caught in the academic-year cashflow cycle (termly fee income vs.

UK engineering, fabrication, or metals processing business caught in steel and base-metal price volatility against fixed-price customer contracts.

UK restaurant, pub, hotel, or food service business caught in ingredient cost inflation (food, beverage, energy) against menu pricing that lags behind.

UK solicitors, barristers chambers, or legal services LLP caught in long work-in-progress cashflow cycle (litigation files, conveyancing, corporate.

UK solicitor or legal services firm caught in Legal Aid Agency funding delay or assessment dispute.

UK print, packaging, or paper-converter business caught in input-cost inflation (pulp prices, energy, labour) against fixed-price customer contracts.

UK professional services firm (consultancy, IT services, project delivery) caught in IR35 / off-payroll working changes affecting cashflow.

UK pub, bar, club, or hospitality business caught in the January-March post-festive cashflow trough.

UK recruitment agency caught with major end-client unilaterally extending payment terms from 30 to 60 or 90 days.

UK renewable energy generator or developer caught in the CFD (Contracts for Difference) payment-cycle cashflow gap.

UK transport and logistics business caught in HGV driver shortage cost pressure (wage inflation, agency-driver premiums, fleet underutilisation).

UK independent veterinary practice facing consolidator competition (CVS, VetPartners, IVC Evidensia) and working-capital pressure. Finance routing options.

UK wholesale or distribution business with Atradius, Coface, or Allianz Trade cover withdrawn on a key customer or full ledger.

Refused a business loan, after a default, or with a CCJ? A neutral broker explains who still lends by decline reason and when each specialist route wins.

ECCTA director identity verification at Companies House. What lenders ask, how it affects underwriting on UK SMB finance, what to do if directors are not.

What underwriters check beyond the credit score: Companies House status, ECCTA director verification, beneficial-ownership clarity, account-filing health.

Final balloon on a hire purchase or finance lease is due in 90 days. Your refinance routes, what to do, what to avoid and how to keep the asset working.

A Funding Circle decline lands. The 7-day window, your three options (appeal, retry elsewhere, restructure), what to avoid, when to call an accountant.

Daily card sales have dropped mid-MCA-repayment. The 7-day window, your three options (renegotiate, top-up, refinance), what to avoid, when to call an IP.

Operating lease ended, residual cost higher than expected, asset purchase or refinance needed.

Performance bond or advance-payment bond called on a contract. UK specialist working-capital and bridging lenders that fund bond settlement and ongoing.

HMRC has opened an enquiry into your R&D tax credit claim. The window, the impact on R&D advance facilities, your three options and what not to do next.

Sales are dropping mid-MCA-repayment but card volume is still flowing. Restructuring routes, the 7-day window, what to avoid, when to call an accountant.

Key supplier demanding payment or threatening to stop deliveries. UK working-capital and asset-finance routes that fund supplier settlement fast, explained.

Trade credit insurance cancelled on a key customer or your full ledger. UK invoice finance and working-capital routes to bridge the funding gap explained.

Specialty UK SMB finance scenarios triggered by a specific event: HMRC enquiry, declined application, balloon due, sales collapse.

UK SMB sector landers: hospitality, e-commerce, construction, recruitment, manufacturing. Which lenders specialise in your trade and what they fund.

UK specialty business finance products: merchant cash advance, asset finance, commercial mortgages, bridging, VAT funding, R&D advance.

Alternatives pages for the UK specialty finance lenders SMBs actually consider. MCA, asset finance, post-decline routing compared side-by-side.

Compare UK specialty SMB finance providers side-by-side: MCA, asset finance, post-decline routing and challenger banks. For limited companies and LLPs.

Side-by-side comparisons of UK specialty SMB finance providers. MCA, asset finance, post-decline routing, challenger banks compared.

The 13 UK SMB lenders FundBiz actively routes applications to. Mainstream fintechs, MCA specialists, challenger banks, asset finance, and post-decline.

How UK high-street and challenger banks handle SMB lending: criteria, decision time, common decline reasons, and where to go if they say no.

UK Growth Guarantee Scheme extended to 31 March 2030. Who qualifies, accredited lenders, what to do if a GGS lender declines you. FundBiz Ltd-only routing.

The UK Recovery Loan Scheme ran 6 April 2021 to 30 June 2024. Historical eligibility, what replaced it (Growth Guarantee Scheme), and refinance options.

British Business Bank Start Up Loans: £500 to £25,000 personal loans to founders of pre-revenue and very-early-stage UK businesses.

UK government-backed business finance schemes: Growth Guarantee Scheme, Recovery Loan Scheme history, Start Up Loans.

Two-minute UK SMB finance eligibility check, soft credit search only. We score our specialty UK lender panel and surface the ones most likely to approve.

Calculate debt-service coverage ratio and free-cash-flow-to-debt-service. Worked examples at DSCR 1.0, 1.25, 1.5 and 2.0 thresholds.

Hire purchase, finance lease and operating lease compared on a £50,000 asset over 5 years.

Bridging finance true cost: gross vs net loan, monthly rate, fees, retained vs rolled vs serviced interest, total cost over the days you actually hold it.

UK business loan calculator: monthly payment, total cost, total interest. For term loans. MCA factor calculator at /calculator/mca-apr-converter/.

Self-score across six dimensions (trading time, turnover, credit, sector, security, ticket size) to find the UK finance product most likely to approve you.

Convert merchant cash advance factor rates to effective APR. Worked examples at factor 1.20, 1.30, 1.40 over 6, 9 and 12 month repayment periods.

Estimate the cash advance available against an R&D tax credit claim. Inputs: qualifying spend, scheme (RDEC vs SME merged), claim status (filed vs draft).

Overdrawn director's loan? Compare the 33.75% S455 charge against the cost of a short-term bridge to clear the DLA before the 9-month deadline. HMRC-sourced.

Cash conversion cycle calculation with worked examples per sector: manufacturing, retail, services.

Asset finance lets UK businesses acquire or release value from physical equipment without paying the full purchase price upfront. The main structures ar...

Asset finance lets UK businesses acquire or release value from equipment, vehicles and machinery without paying the full purchase price upfront. The mai...

A bridging loan is a short-term secured facility, typically 1 to 24 months, used to fund property purchases, refurbishments or cash-flow gaps before a l...

Bridging finance is a short-term secured loan, typically lasting 1 to 24 months, used to bridge a gap between an immediate funding need and a longer-ter...

Commercial mortgage rates in the UK are priced as a margin above a base rate or SONIA, and the rate you receive depends on loan-to-value, property type,...

A commercial mortgage lets a UK limited company, LLP or partnership purchase or refinance business premises using the property as security. Applications...

A merchant cash advance uses a factor rate, not an interest rate, to set the total repayment amount. For UK limited companies and LLPs that take card pa...

A merchant cash advance is repaid through an automatic percentage of your daily or weekly card takings, not fixed monthly instalments. This means repaym...

A merchant cash advance (MCA) gives a UK business a lump sum of capital in exchange for a fixed percentage of future card takings until the advance and ...

An R&D advance lets UK limited companies borrow against an outstanding HMRC R&D tax credit claim, typically receiving 70 to 85 percent of the expected r...

R&D advance finance lets UK limited companies borrow against an outstanding R&D tax credit claim before HMRC pays out. Lenders typically advance 70 to 8...

A decline from a high-street bank or mainstream lender does not close all funding routes for UK limited companies, LLPs and partnerships. Specialist len...

Plain-English guides to UK specialty business finance: merchant cash advance, asset finance, bridging finance and VAT loans, written for limited companies.

A VAT loan lets a UK business borrow the exact amount of its quarterly VAT liability, pay HMRC on time, and repay the lender in monthly instalments over...

A VAT loan lets a UK business borrow the exact amount of a VAT liability, pay HMRC on time, then repay the lender in monthly instalments over three to t...

FundBiz works exclusively with UK limited companies, limited liability partnerships and traditional partnerships of four or more members. This focus exi...

Plain-English definitions of 40 UK specialty finance terms: factor rate, holdback, debenture, GGS, S455, FRS 102 leases, ECCTA, TTP and more.

UK business and asset finance statistics for , each linked to its primary source (FLA, British Business Bank, Bank of England, gov.uk).

Read-only public API and MCP server for verified UK specialty finance lender terms. REST endpoints, OpenAPI 3.1 spec, search_lenders tool. No auth, CC BY 4.0.

The UK Business Finance Lender Index: verified ticket range, typical rate, decision time, soft-search and FCA status, in one sortable table.

First-party research from FundBiz: the UK Specialty Finance Terms Index, the Lender Index and UK business finance statistics. Every figure links to a source.

The UK Specialty Finance Terms Index: FCA status, soft-search, decision speed and product coverage across FundBiz lenders, plus a 29-reason decline map.

Merchant cash advances suit UK businesses with strong card or online sales but lumpy cash flow. Hospitality, retail and e-commerce operators are the mos...

A bridging-to-term refinance replaces a short-term bridging loan with a longer-term commercial mortgage once a property is stabilised, tenanted or refur...

Commercial mortgages in the UK are assessed on two primary metrics: loan-to-value ratio and debt service coverage ratio. Owner-occupier and investment p...

Equipment refinance allows UK businesses to sell owned plant, machinery or vehicles to a lender and lease them back, releasing tied-up capital without l...

Independent broker guidance on UK specialty SMB finance: merchant cash advance, asset finance, commercial mortgages, VAT loans and post-decline routing.

When a UK business faces an overdue tax liability, HMRC's Time to Pay arrangement is often the first option considered. However, a commercial loan or sp...

Hire purchase and finance leasing both spread the cost of business assets, but they differ significantly in how tax relief is claimed, who owns the asse...

A merchant cash advance uses a factor rate, not an interest rate, making true cost comparison difficult. Converting a factor rate to an APR reveals the ...

The holdback rate on a merchant cash advance determines how much of your daily card takings the lender collects until the advance is repaid. Rates typic...

A lender decline is not a final answer. Most UK SMB applications fail for correctable reasons: a thin credit file, a recent CCJ, or a mismatch between t...

R&D advance funding allows UK limited companies to borrow against a confirmed or expected HMRC R&D tax credit before the repayment lands. Specialist len...

Regulated bridging loans apply when a borrower or close family member will occupy the security property; unregulated loans cover purely commercial or in...

A VAT loan lets a UK business borrow the exact amount owed to HMRC on its quarterly return, repay HMRC on the due date, then settle the lender over one ...

A merchant cash advance suits UK businesses with strong card turnover but lumpy revenue, poor credit history, or urgent funding needs. Unlike a term loa...

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The named team behind FundBiz. Real bylines, public credentials, and consistent ownership of every product lander, eligibility flow and post-decline guide.

Independent UK specialty finance broker matching limited companies, LLPs and partnerships of 4+ to MCA, asset finance, bridging, VAT and post-decline lenders.

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FundBiz is a commercial finance introducer for limited companies. Our regulatory position, what our matcher does and does not do, and the limits of our advice.

How FundBiz writes its product landers, sector pages, post-decline guides and lender-panel disclosures.

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How FundBiz matches limited-company applicants to lenders. Our panel, the criteria the matcher uses, the weights, and how decisions are made.

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