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- FundBiz: Business Finance Comparison for UK Ltd Companies Independent UK business finance comparison and introducer for limited companies, LLPs and partnerships of 4+: loans, asset finance, MCA, mortgages, and more.
Finance products
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- Accreditations and registrations, Every public registration and identifier held by (, Companies House ), linked to its register.
- Asset Refinance for UK Limited Companies, FundBiz Release working capital from owned assets through refinance, sale and leaseback, or hire-purchase refinance.
- Bad Credit Business Loans UK, FundBiz Bad credit business loans UK: what counts as adverse credit, which finance types work after a CCJ or default, and the trade-offs. Ltd, LLP, 4+ partners.
- Best UK Specialty Business Finance Listicles, FundBiz Editorial best-business-finance listicles from FundBiz. Each ranks UK specialty lenders on weights specific to the intent: sector, speed, post-decline.
- Business Acquisition Loans UK, FundBiz Loans to buy a business or fund an MBO: how UK lenders underwrite goodwill, the funding stack of term debt, asset finance and deferred consideration, and what the deal needs to show.
- Business Credit Cards for UK Limited Companies, FundBiz Compare UK business credit cards for limited companies: representative APR, annual fee, cashback and rewards. For Ltd companies, LLPs and partnerships of 4+.
- Business Loan Declined? Who Still Lends in 2026 : FundBiz 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.
- Business Loan Interest Rates UK 2026, FundBiz UK business loan interest rates: the current Bank of England base rate, published lender rates with sources and dates, and typical ranges by product.
- Business Loan With No Personal Guarantee UK, FundBiz Can you get a business loan with no personal guarantee in the UK? What a PG is, which finance types are genuinely PG-light or PG-free, and the trade-offs.
- Cash Flow Loans UK, FundBiz Cash flow loans for UK companies: funding the timing gap between money out and money in. Seasonality, slow payers, stock ahead of demand. How to size and shape the borrowing.
- Commercial Bridging Loans UK, FundBiz UK commercial bridging loans: short-term, asset-backed, 3-24 months. Property completions, auction purchases, refurbishment, transitional finance.
- Commercial Mortgages UK, FundBiz UK commercial mortgages: owner-occupier and investment, £150k to £10m+, terms 5-25 years. Allica, OakNorth and high-street banks. Limited companies and LLPs.
- Fast Business Loans UK, FundBiz Fast business loans: realistic same-day and 48-hour timelines by product, what genuinely speeds an application up, and the instant-approval claims to distrust.
- Halal and Sharia-Compliant UK Business Finance, FundBiz Independent UK reviews of Sharia-compliant commercial finance: Al Rayan Bank, Gatehouse Bank, BLME, QIB UK and fintech Kestrl. Ltd, LLP, partnerships of 4+.
- How We Rate Lenders, FundBiz Methodology The four criteria FundBiz scores each UK specialty finance lender on, how the editorial rating is built, the sources behind it, and when we refresh it.
- Lender Comfort Topics for UK Limited Companies, FundBiz What underwriters check beyond the credit score: Companies House status, ECCTA director verification, beneficial-ownership clarity, account-filing health.
- Limited Company Loans UK, FundBiz Limited company loans UK: borrowing in a company name, why lenders ask for a personal guarantee, what you need, and the finance types available.
- Merchant Cash Advance UK: Rates, Lenders and How It Works 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.
- Peer-to-Peer Business Finance (P2P) UK, FundBiz Peer-to-peer (P2P) business finance UK: how platform and marketplace lending works, how it compares with a bank loan, and the FCA position.
- Property Development Finance UK, FundBiz UK property development finance: land plus build tranches, how GDV and LTGDV size the facility, drawdowns against monitoring, and the exit via sale or refinance. Ltd, LLP, 4+.
- R&D Tax Credit Advance UK, FundBiz 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.
- Revenue-Based Finance UK, FundBiz UK revenue-based finance (RBF): how it works, fixed-fee pricing, who it fits, and the named ecommerce lenders we route to. From a share of daily sales.
- Revolving Credit Facility UK, FundBiz What a revolving credit facility is, how it differs from an overdraft, credit card or term loan, published UK pricing, and a worked example. Ltd, LLP, 4+.
- Short Term Business Loans UK, FundBiz Short term business loans of 3 to 18 months: when short beats long, the true cost of monthly rates vs APR, speed by lender type, and post-decline routes. Ltd, LLP, 4+.
- Triggered Scenarios, FundBiz Specialty UK SMB finance scenarios triggered by a specific event: HMRC enquiry, declined application, balloon due, sales collapse.
- Trust centre, FundBiz How FundBiz uses AI, checks facts, corrects mistakes, handles complaints and protects your data. One place for our editorial, AI-use and data standards.
- UK Business Grants 2026: Free Grant Finder, FundBiz Find real UK business grants by stage, nation and purpose with our free grant finder. Honest guidance on what exists, the odds, and faster finance if not.
- Unsecured Business Loans UK, FundBiz Unsecured business loans UK: how they work, what a personal guarantee means, unsecured versus secured, and who qualifies. Ltd, LLP, 4+ partners.
- VAT Loans UK: Cost, Rates and HMRC Alternatives, FundBiz What a VAT loan is, what it costs, how fast you get one, and VAT loan versus HMRC Time to Pay. Ltd, LLP, 4+. £5k to £500k, decision in 24 to 72 hours.
Product comparisons and hubs
- Specialty Business Finance Products, FundBiz UK specialty business finance products: merchant cash advance, asset finance, commercial mortgages, bridging, VAT funding, R&D advance.
Asset finance
- Asset Finance UK, Hire Purchase, Lease, Refinance, FundBiz UK asset finance: hire purchase, finance lease, operating lease and asset refinance. Equipment, vehicles, machinery. Limited companies, £5k to £5m+.
- CNC machine and machine tool finance UK
- Dental chair and surgery equipment finance UK
- End-of-HP Balloon Payment Options: Plant, Vehicles, Kit 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.
- Forklift and warehouse equipment finance UK
- FRS 102 lease changes 2026, impact on UK SMB asset finance FRS 102 lease accounting effective 1 January 2026. Operating leases now on balance sheet.
- Gym and fitness equipment finance UK
- HGV and lorry finance UK
- IT and tech equipment finance UK
- Modular building and portacabin finance UK
- Photography and videography equipment finance UK
- Plant equipment finance (JCBs, excavators, agri plant) UK
- Print and copier equipment finance UK
- Restaurant and kitchen equipment finance UK
- Salon and barber equipment finance UK
- Scaffolding and access equipment finance UK
- Sound, AV and event equipment finance UK
- Tractor and agricultural machinery finance UK
- Van finance UK
Finance by sector
- Agriculture and farming business finance
- Charities and community interest companies business finance
- Construction business finance
- E-commerce business finance
- Education and training business finance
- Energy and renewables business finance
- Engineering business finance
- Franchisees business finance
- Healthcare and dental business finance
- Hospitality business finance
- Manufacturing business finance
- Nurseries and childcare business finance
- Opticians business finance
- Professional services business finance
- Recruitment business finance
- Retail business finance
- Specialty Finance by Sector, FundBiz UK SMB sector landers: hospitality, e-commerce, construction, recruitment, manufacturing. Which lenders specialise in your trade and what they fund.
- Technology and SaaS business finance
- Transport and logistics business finance
- Veterinary practices business finance
Declined and post-decline
- Business loan declined by 365 Business Finance, what next?
- Business loan declined by Aldermore, what next?
- Business loan declined by Allica Bank, what next?
- Business loan declined by Bizcap, what next?
- Business loan declined by Capify, what next?
- Business loan declined by Funding Circle, what next?
- Business loan declined by iwoca, what next?
- Business loan declined by JPM Capital, what next?
- Business loan declined by Liberis, what next?
- Business loan declined by OakNorth, what next?
- Business loan declined by Start Up Loans Company, what next?
- Business loan declined by Time Finance, what next?
- Business loan declined by YouLend, what next?
- Business loan declined for a CCJ
- Business loan declined for missed payments
- Business loan declined for sector
- Business loan declined: accounts overdue at Companies House
- Business loan declined: affordability ratio
- Business loan declined: applying as a sole trader
- Business loan declined: complex group structure
- Business loan declined: existing debt with this lender
- Business loan declined: insufficient turnover
- Business loan declined: no business bank account
- Business loan declined: overseas director
- Business loan declined: pre-revenue
- Business loan declined: recent change of director
- Business loan declined: recent restructuring
- Business loan declined: sub-12-month trading
- Business loan declined: thin file
- Business Loan Declined? Post-Decline Matcher : FundBiz Declined for a UK business loan? Tell us why and we route to specialist lenders that accept the decline reason.
- Charity or CIC with Restricted Funding Mismatch, UK Finance UK charity or community interest company (CIC) caught between restricted grant funding and unrestricted operational costs.
- Construction Company Declined by Funding Circle, UK Routing You run a UK construction company and Funding Circle has declined your application.
- E-commerce Business Declined by Amazon Lending or Shopify UK e-commerce seller declined by Amazon Lending, Shopify Capital, eBay Capital or other marketplace-embedded lenders.
- Healthcare Agency Finance: Medical Locum Payroll Cycle UK healthcare staffing agency or locum management business needing finance for the medical locum payroll cycle.
- Hospitality Business Post-MCA, UK Refinance and Restructure UK hospitality business (restaurant, pub, café, hotel) with an MCA daily draw eating into card takings.
- Manufacturing Company with HMRC Arrears, UK Finance Routing UK manufacturer with PAYE, VAT, or Corporation Tax arrears. Specialist lenders that engage with HMRC pressure on manufacturing files, the routing options.
- Recruitment Agency with CCJ History, UK Finance Routing UK recruitment agency with a County Court Judgment on the company or director credit file.
- Retail Business in Seasonal Cash-Flow Stress, UK Routing UK retailer caught in seasonal cash-flow stress (post-Christmas dip, summer trough).
- Tech or SaaS Business Under 12 Months, UK Finance Routing UK tech or SaaS business trading less than 12 months, declined by mainstream lenders.
- UK Aesthetic Clinic Finance: CQC and Cosmetic Compliance UK aesthetic clinic or medical aesthetic business facing CQC compliance investment plus tightening UK cosmetic regulation (JCCP voluntary register.
- UK Agriculture / Farming with Single-Buyer Concentration UK farm or agricultural business with most revenue from a single off-take buyer (supermarket, dairy processor, livestock market, food manufacturer).
- UK B2B SaaS: Enterprise Procurement Freeze Finance UK B2B SaaS business with enterprise customer purchase decisions delayed or frozen (Q4 budget freezes, year-end cost reviews, procurement consolidation).
- UK Care Home with CQC Compliance Pressure, Finance Routing UK care home (residential, nursing, specialist) caught between CQC compliance investment and operating cashflow.
- UK Community Pharmacy Finance: NHS Payment Cycle UK community pharmacy caught between NHS prescription payment cycle and continuous operating costs.
- UK Construction Subcontractor with Main Contractor Late UK construction subcontractor caught in main contractor late payment (30+ days beyond contractual terms).
- UK Education Provider with Academic Year Cashflow Stress UK independent school, training provider, tuition agency, or education business caught in the academic-year cashflow cycle (termly fee income vs.
- UK Engineering & Metals: Steel Price Volatility Finance UK engineering, fabrication, or metals processing business caught in steel and base-metal price volatility against fixed-price customer contracts.
- UK Hospitality Finance: Ingredient Cost Inflation UK restaurant, pub, hotel, or food service business caught in ingredient cost inflation (food, beverage, energy) against menu pricing that lags behind.
- UK Legal Firm WIP Cashflow: Finance Routing, FundBiz UK solicitors, barristers chambers, or legal services LLP caught in long work-in-progress cashflow cycle (litigation files, conveyancing, corporate.
- UK Legal Services: Legal Aid Funding Delay Finance UK solicitor or legal services firm caught in Legal Aid Agency funding delay or assessment dispute.
- UK Print or Packaging Business with Paper-Cost Inflation UK print, packaging, or paper-converter business caught in input-cost inflation (pulp prices, energy, labour) against fixed-price customer contracts.
- UK Professional Services: IR35 Cashflow Finance Routing UK professional services firm (consultancy, IT services, project delivery) caught in IR35 / off-payroll working changes affecting cashflow.
- UK Pub, Bar or Nightlife: Post-Festive Cashflow Finance UK pub, bar, club, or hospitality business caught in the January-March post-festive cashflow trough.
- UK Recruitment Agency Finance: Extended Client Payment UK recruitment agency caught with major end-client unilaterally extending payment terms from 30 to 60 or 90 days.
- UK Renewables Business with CFD Payment Cycle Cashflow UK renewable energy generator or developer caught in the CFD (Contracts for Difference) payment-cycle cashflow gap.
- UK Transport Finance: HGV Driver Shortage Cashflow UK transport and logistics business caught in HGV driver shortage cost pressure (wage inflation, agency-driver premiums, fleet underutilisation).
- UK Veterinary Practice with Consolidator Pressure, Finance UK independent veterinary practice facing consolidator competition (CVS, VetPartners, IVC Evidensia) and working-capital pressure. Finance routing options.
- UK Wholesale Business with Trade Credit Insurance Withdrawn UK wholesale or distribution business with Atradius, Coface, or Allianz Trade cover withdrawn on a key customer or full ledger.
HMRC and tax finance
- CIS Deduction Finance for UK Subcontractors, FundBiz Construction subcontractors with CIS deductions held back. UK specialist lenders that advance against CIS due back via tax return.
- Corporation Tax Bridging Finance, FundBiz Profitable trading, cashflow stretched at Corporation Tax due-date. UK bridge-loan and short-term lenders that compete with HMRC Time To Pay interest.
- Emergency VAT Loan, Quarter-End Bill Due, FundBiz VAT bill due in days, cash short. UK specialist VAT-loan lenders that fund against next-quarter cashflow.
- HMRC Tax Funding for UK SMEs: VAT, PAYE, Corporation Tax Specialist UK SME finance for HMRC tax pressure: VAT loans, PAYE arrears working capital, Corporation Tax bridges, CIS deduction advances.
- PAYE Arrears Funding for UK Limited Companies, FundBiz PAYE or NIC arrears stacking. UK working-capital lenders that engage with HMRC arrears, what they want to see, and where to start.
E-commerce funding
- Amazon Seller Funding UK, FundBiz Funding for UK Amazon sellers: how Amazon Lending works, independent revenue-based alternatives, and how FBA inventory advances are priced and repaid.
- Ecommerce Business Funding UK, FundBiz Funding for UK online sellers: revenue-based finance, MCA, inventory and asset finance. How Shopify, Amazon and D2C brands fund stock and growth.
- Shopify Funding and Loans UK, FundBiz Shopify funding for UK stores: how Shopify Capital works, the independent alternatives that often advance more, and how revenue-based finance is priced.
Lender profiles
- 365 Business Finance
- 4Syte
- ABN AMRO Asset Based Finance
- Acorn Commercial Finance
- Aldermore
- Allica Bank
- Arbuthnot Latham
- Argyll Property Partners
- Assetz Capital
- Avamore Capital
- Barclays
- Bibby Financial Services
- Bizcap
- Blazehill Capital
- Bolton Finance
- Boost Capital
- Breal Zeta CF
- Capify
- Capital on Tap
- Caple
- Cashplus Bank
- Catalyst Business Finance
- Close Brothers
- Clydesdale Bank
- Corporate Asset Solutions
- Creative Capital
- Credit4
- Crowd2Fund
- Cubefunder
- eCapital
- FGI Finance
- Fiduciam
- Fleximize
- FundBiz panel lenders: who we route to and why The 13 UK SMB lenders FundBiz actively routes applications to. Mainstream fintechs, MCA specialists, challenger banks, asset finance, and post-decline.
- Funding Alternative
- Funding Circle
- GapCap
- Glenhawk
- Got Capital
- Growth Lending
- Hampshire Trust Bank
- Haydock Finance
- Hodge Bank
- Hope Capital
- HSBC UK
- Hydr
- IGF Invoice Finance
- Infund
- Investec
- Invocap
- Iron Bridge Finance
- iwoca
- JPM Capital
- Just Cashflow
- Kriya
- Kuflink
- LendingCrowd
- LendInvest
- Liberis
- Liberty Leasing
- Lloyds Bank
- Maslow Capital
- Masthaven
- MaxCap
- MCL Finance
- Mint Property Finance
- Momenta Finance
- MT Finance
- NatWest
- Nucleus Commercial Finance
- OakNorth
- Octane Capital
- Octopus Real Estate
- Ortus Secured Finance
- Outfund
- Paragon Bank
- Pluto Finance
- PNC Business Credit
- Propel
- Puma Property Finance
- Redwood Bank
- Reparo
- Roma Finance
- Royal Bank of Scotland
- Santander UK
- Secure Trust Bank
- Selina Finance
- SellersFunding
- Shard Credit Partners
- Shawbrook Bank
- Sigma Lending
- Skipton Business Finance
- SME Capital
- Sonovate
- Spotcap
- Starling Bank
- Start Up Loans Company
- Sterling Trade Finance
- Swiftfund
- Swishfund
- TFG Capital
- ThinCats
- Tide loans (Funding Options)
- Time Finance
- Together
- TradeRiver
- Triple Point
- Ultimate Finance
- United Trust Bank
- Wayflyer
- White Oak UK
- YouLend
High street banks
- Allica Bank business loan
- Barclays Bank business loan
- HSBC UK business loan
- Lloyds Bank business loan
- Metro Bank business loan
- Monzo Business business loan
- NatWest business loan
- RBS / Royal Bank of Scotland business loan
- Revolut Business business loan
- Santander UK business loan
- Starling Bank business loan
- Tide business loan
- UK Bank Business Loans, What They Offer, When They 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.
Lender alternatives
- Alternatives to 365 Business Finance
- Alternatives to Aldermore
- Alternatives to Allica Bank
- Alternatives to Bizcap
- Alternatives to Capify
- Alternatives to Funding Circle
- Alternatives to iwoca
- Alternatives to JPM Capital
- Alternatives to Liberis
- Alternatives to OakNorth
- Alternatives to Start Up Loans Company
- Alternatives to Time Finance
- Alternatives to UK Specialty Finance Lenders | FundBiz Alternatives pages for the UK specialty finance lenders SMBs actually consider. MCA, asset finance, post-decline routing compared side-by-side.
- Alternatives to YouLend
Head-to-head comparisons
- 365 Business Finance vs Liberis Card-based MCA providers compared on sector reach and ticket band.
- Aldermore vs Allica Bank PRA challenger bank vs specialist asset finance lender.
- Aldermore vs OakNorth UK challenger banks compared on commercial finance appetite.
- Aldermore vs Time Finance Two UK specialist asset and term lenders compared on ticket and sector appetite.
- Allica Bank vs Capital on Tap
- Allica Bank vs Close Brothers
- Allica Bank vs Funding Circle
- Allica Bank vs Got Capital
- Allica Bank vs Haydock Finance
- Allica Bank vs Investec
- Allica Bank vs iwoca
- Allica Bank vs Kuflink
- Allica Bank vs Propel
- Allica Bank vs Sonovate
- Allica Bank vs Starling Bank
- Bizcap vs Capify High-risk-tolerant Australian-origin MCA vs UK-native MCA brand.
- Bizcap vs JPM Capital High-risk-appetite UK MCA providers compared on factor rate and approval reach.
- Bizcap vs Liberis Where to go when traditional lenders decline: high-risk MCA vs card-based MCA.
- Capify vs iwoca Fintech short-term lender vs MCA: cashflow facility vs revenue-share repayment.
- Capify vs Liberis UK MCA providers compared on speed, ticket and underwriting flexibility.
- Capify vs YouLend Card-acquirer MCA vs general UK MCA: which fits which trade profile.
- Capital on Tap vs Close Brothers
- Capital on Tap vs Funding Circle
- Capital on Tap vs Got Capital
- Capital on Tap vs Haydock Finance
- Capital on Tap vs Investec
- Capital on Tap vs iwoca
- Capital on Tap vs Kuflink
- Capital on Tap vs Propel
- Capital on Tap vs Sonovate
- Capital on Tap vs Starling Bank
- Close Brothers vs Funding Circle
- Close Brothers vs Got Capital
- Close Brothers vs Haydock Finance
- Close Brothers vs Investec
- Close Brothers vs iwoca
- Close Brothers vs Kuflink
- Close Brothers vs Propel
- Close Brothers vs Sonovate
- Close Brothers vs Starling Bank
- Funding Circle vs Got Capital
- Funding Circle vs Haydock Finance
- Funding Circle vs Investec
- Funding Circle vs iwoca
- Funding Circle vs Kuflink
- Funding Circle vs Propel
- Funding Circle vs Sonovate
- Funding Circle vs Starling Bank
- Got Capital vs Haydock Finance
- Got Capital vs Investec
- Got Capital vs iwoca
- Got Capital vs Kuflink
- Got Capital vs Propel
- Got Capital vs Sonovate
- Got Capital vs Starling Bank
- Haydock Finance vs Investec
- Haydock Finance vs iwoca
- Haydock Finance vs Kuflink
- Haydock Finance vs Propel
- Haydock Finance vs Sonovate
- Haydock Finance vs Starling Bank
- Investec vs iwoca
- Investec vs Kuflink
- Investec vs Propel
- Investec vs Sonovate
- Investec vs Starling Bank
- iwoca vs Kuflink
- iwoca vs Liberis MCA card-acquirer revenue-share vs fintech short-term cashflow facility.
- iwoca vs Propel
- iwoca vs Sonovate
- iwoca vs Starling Bank
- Kuflink vs Propel
- Kuflink vs Sonovate
- Kuflink vs Starling Bank
- Liberis vs YouLend Two leading UK card-acquirer MCA providers compared on factor rate and hold-back.
- Propel vs Sonovate
- Propel vs Starling Bank
- Sonovate vs Starling Bank
- UK Specialty Finance Comparisons | FundBiz Side-by-side comparisons of UK specialty SMB finance providers. MCA, asset finance, post-decline routing, challenger banks compared.
Compare providers
- Compare UK Business Finance Providers | FundBiz Compare UK specialty SMB finance providers side-by-side: MCA, asset finance, post-decline routing and challenger banks. For limited companies and LLPs.
Calculators
- Affordability Ratio: DSCR and Free-Cash-Flow Cover 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.
- Asset finance cost compare: HP vs lease vs operating lease Hire purchase, finance lease and operating lease compared on a £50,000 asset over 5 years.
- BBLS Pay As You Grow vs Refinance Break-Even Model whether to keep a Bounce Back Loan at 2.5% with Pay As You Grow or refinance at 2026 rates, weighing the rate cost against the new facility.
- Blended Cost of Capital Calculator (UK SMB), FundBiz Work out the weighted-average cost of a UK SMB debt stack across a term loan, MCA and asset finance. Weight each facility by principal for one blended APR.
- Bridging Loan Total Cost Calculator UK, FundBiz 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.
- Business Loan Calculator UK, FundBiz Free UK business loan calculator: monthly repayment, total repayable and total interest on an amortising term loan. Worked examples from £25k to £250k, 8% to 12% APR.
- Commercial Mortgage Calculator UK, FundBiz Free UK commercial mortgage calculator: monthly repayment on repayment or interest-only basis, total repayable and total interest. Worked examples from £250k to £1m, plus LTV and DSCR notes.
- DSCR Calculator: Debt-Service Coverage Ratio (UK), FundBiz Work out your debt-service coverage ratio: normalised EBITDA divided by total annual debt service including the new loan. Worked examples plus a stress test.
- Eligibility Self-Score: Which UK Finance Product Fits Self-score across six dimensions (trading time, turnover, credit, sector, security, ticket size) to find the UK finance product most likely to approve you.
- MCA factor rate to APR converter (worked examples) FundBiz 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.
- R&D Advance Estimator: Cash from Your Tax Credit Claim 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).
- Revenue-Based Finance Cost Calculator, FundBiz Convert a revenue-based finance flat fee and revenue share into an effective annualised cost and payback period. Worked examples at 4%, 6% and 8% fees.
- S455 Director's Loan Bridge Calculator UK, FundBiz 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.
- Working Capital Cycle: DSO, DIO and DPO by Sector Cash conversion cycle calculation with worked examples per sector: manufacturing, retail, services.
Guides
- Asset Finance Applications: A Step-by-Step UK Guide Applying for asset finance in the UK involves choosing the right product, gathering supporting documents, and working through a lender's credit assessme...
- Asset Finance Explained: HP, Leases and Refinance 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 for UK SMEs: HP, Leases and Refinance Asset finance lets UK businesses acquire or release value from equipment, vehicles and machinery without paying the full purchase price upfront. The mai...
- Bridging Finance Exit Strategies Explained A bridging loan is a short-term secured facility, typically 1 to 24 months, designed to be repaid in full from a defined exit event rather than monthly ...
- Bridging Finance Exit Strategies: A UK SME Guide 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 Explained: Regulated vs Unregulated Bridging finance is a short-term secured loan, typically running from one month to 24 months, used to bridge a gap between an immediate funding need and...
- Bridging Finance: Regulated vs Unregulated Explained 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...
- Business Finance With a CCJ: Specialist Routes A CCJ is a common decline reason but rarely closes every route for a limited company or LLP. How specialist lenders treat CCJs, and the steps before applying.
- Business Loan Declined? What to Do Next, Step by Step A calm, ordered plan after a business loan is declined: get the reason, protect your credit file, and match it to the right specialist route. Ltd, LLP, 4+.
- Commercial Mortgage Rates Explained for UK SMEs 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,...
- Commercial Mortgage: Documents, Timeline and Fees A commercial mortgage lets a UK limited company, LLP or partnership purchase or refinance business premises using the property as security. Applications...
- MCA Factor Rates: What UK Businesses Actually Pay 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...
- MCA Repayments: How the Split Works in Practice A merchant cash advance is repaid through an automatic percentage of your daily or weekly card takings, not fixed monthly instalments. This means repaym...
- Merchant Cash Advance Explained for UK SMEs 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 ...
- Merchant Cash Advance Explained for UK SMEs A merchant cash advance (MCA) gives a UK business a lump sum in exchange for a percentage of future card takings, repaid automatically until the total o...
- Post-Decline Finance: Options After a Loan Refusal A declined loan application does not close every door. UK limited companies, LLPs and partnerships of four or more people can often access specialist fi...
- R&D Advance Finance: Eligibility and Process R&D advance finance lets UK limited companies borrow against an expected HMRC R&D tax credit before it is paid. Lenders typically advance 70 to 85 per c...
- R&D Advance Finance: Fund Your Tax Credit Early 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: Get Cash Against Your Tax Credit 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...
- R&D Advance Finance: How It Works for UK SMEs R&D advance finance lets UK limited companies borrow against an unsubmitted or submitted R&D tax credit claim, typically receiving 70 to 85 percent of t...
- Refused Business Finance? Your Next Steps Explained A decline from a bank or mainstream lender does not close all funding routes for UK limited companies, LLPs and partnerships. Specialist lenders assess ...
- UK Specialty Finance Guides | FundBiz Plain-English guides to UK specialty business finance: merchant cash advance, asset finance, bridging finance and VAT loans, written for limited companies.
- VAT Loans Explained: Fund Your VAT Bill 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...
- VAT Loans: How They Work With a Worked Example 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...
- Who FundBiz Lends To: Ltd, LLP and Partnership Rules FundBiz arranges specialty finance exclusively for UK limited companies, limited liability partnerships and traditional partnerships with four or more p...
- Who Qualifies for Specialty Business Finance in the UK FundBiz works exclusively with UK limited companies, limited liability partnerships and traditional partnerships of four or more members. This focus exi...
Blog
- Auction Finance: Bridging Loans for UK SMBs Auction finance is a short-term bridging loan drawn within the 28-day completion deadline imposed by most UK property auction houses. It lets businesses...
- Balloon Payments in Asset Finance: A UK SMB Guide A balloon payment is a large lump sum due at the end of an asset finance agreement, designed to reduce monthly instalments during the term. UK SMBs use ...
- Best UK MCA Lenders for Hospitality, Retail and E-Commerce 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...
- Bridging-to-Term Refinance: A UK SMB Guide 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 Mortgage LTV and DSCR: A UK SMB Guide UK commercial mortgages are priced and sized around two core metrics: loan-to-value (LTV) and debt service coverage ratio (DSCR). Most lenders cap LTV a...
- Commercial Mortgages: LTV, DSCR and Property Types 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...
- Commercial Vehicle Finance: A UK SMB Guide UK limited companies and partnerships can finance vans, lorries, and HGVs through hire purchase, finance lease, or contract hire, spreading the cost ove...
- Declined for a Business Loan? What Specialty Finance Can Still Do Declined for a business loan? Fewer than half of UK SME bank applications succeed, but specialist lenders fund cases high-street banks reject. Here is how.
- Development Finance vs Bridging Loans: UK SMB Guide Development finance and bridging loans both provide short-term property funding, but they serve different purposes. Bridging covers gaps between transac...
- Equipment Refinance for Capital Release: UK SMB Guide Equipment refinance lets UK businesses unlock cash tied up in fully owned or nearly owned plant, machinery and vehicles by selling the asset to a lender...
- Equipment Refinance: Releasing Capital from Owned Assets 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...
- FundBiz Blog: UK Specialty Business Finance Insight Independent broker guidance on UK specialty SMB finance: merchant cash advance, asset finance, commercial mortgages, VAT loans and post-decline routing.
- HMRC Time to Pay vs Business Loan: Which to Choose 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...
- HP vs Finance Lease: Tax Treatment for UK SMBs 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...
- HP vs Finance Lease: Tax Treatment for UK SMEs Hire purchase and finance lease both spread the cost of business assets, but their tax treatment differs in ways that affect your cash flow, balance she...
- MCA Factor Rate to APR: A UK SMB Guide A merchant cash advance quotes a factor rate, not an APR, which makes cost comparison with loans difficult. Converting a factor rate to an APR depends o...
- MCA Factor Rates Explained: Converting to APR 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 ...
- MCA Holdback Rates: How to Negotiate Better Terms 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...
- MCA vs Asset Finance: Which One Fits Your Business? A merchant cash advance funds against future card takings; asset finance funds a specific piece of equipment. Your choice turns on what you are buying.
- Post-Decline Finance: Fixing a Thin File for UK SMBs A lender decline does not close every door, but it does signal that your credit file or supporting documents need attention before the next application....
- Post-Decline Finance: Fixing Thin Files and CCJ Paths 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: Accelerate Your Tax Credit 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...
- R&D Tax Credit Advance Finance for UK SMEs An R&D tax credit advance lets eligible UK companies borrow against an expected HMRC R&D tax credit before it is paid. Specialist lenders typically adva...
- Regulated vs Unregulated Bridging Finance Explained Regulated bridging loans apply when a borrower or close family member will occupy the security property; unregulated loans cover purely commercial or in...
- VAT Loans for UK SMEs: Fees, Timing and When to Use A VAT loan lets a UK business borrow the exact amount of its quarterly VAT liability, pay HMRC on the due date, then repay the lender over the following...
- VAT Loans: When to Use Them and What They Cost 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 ...
- When an MCA Beats a Term Loan for UK SMBs 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...
Glossary
- UK specialty finance glossary, FundBiz Plain-English definitions of 40 UK specialty finance terms: factor rate, holdback, debenture, GGS, S455, FRS 102 leases, ECCTA, TTP and more.
Government schemes
- Growth Guarantee Scheme 2030: Eligibility and Lenders 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.
- Recovery Loan Scheme (RLS), History and Refinance 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.
- Start Up Loans (British Business Bank), Eligibility 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, FundBiz UK government-backed business finance schemes: Growth Guarantee Scheme, Recovery Loan Scheme history, Start Up Loans.
Research
- Research and data, FundBiz 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.
- UK Specialty Finance Terms Index 2026 The UK Specialty Finance Terms Index: FCA status, soft-search, decision speed and product coverage across FundBiz lenders, plus a 29-reason decline map.
Data and indices
- FundBiz Data API: Lenders, Rates and MCP Endpoint 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.
- FundBiz Data: UK Business Finance Datasets The FundBiz data hub: the verified UK Business Finance Lender Index, SME approval rates and alternative-finance costs, and a read-only data API. Free to cite with attribution.
- UK Business Finance Lender Index 2026: Verified Data Table The UK Business Finance Lender Index: verified ticket range, typical rate, decision time, soft-search and FCA status, in one sortable table.
UK business finance statistics
- Statistics UK business and asset finance statistics for , each linked to its primary source (FLA, British Business Bank, Bank of England, gov.uk).
Editorial team
- , Author, FundBiz is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. He writes the FundBiz library.
- , Director, FundBiz directs Best Business Loans Ltd, the company behind FundBiz, and reviews the FundBiz library. UK commercial finance background.
- Editorial Team, FundBiz The named team behind FundBiz. Real bylines, public credentials, and consistent ownership of every product lander, eligibility flow and post-decline guide.
About, policies and tools
- About FundBiz, UK SMB Specialty Finance Comparison FundBiz is the UK\
- Accessibility, FundBiz How FundBiz is designed to be easy to read and use, including the text-size control, site search, plain English glossary, and our aim to meet WCAG 2.2 AA.
- Business Finance Eligibility Checker | FundBiz 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.
- Contact, FundBiz How to reach FundBiz: applications, lender enquiries, complaints, partnerships and corrections.
- Cookie Policy, FundBiz The cookies FundBiz uses, what they do, how long they last, and how to accept, reject or change your choice. UK GDPR / PECR compliant.
- Disclaimer, FundBiz 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.
- Editorial Policy, FundBiz How FundBiz writes its product landers, sector pages, post-decline guides and lender-panel disclosures.
- FundBiz AI Instructions: ChatGPT, Claude, Gemini, Perplexity How AI assistants should describe and cite FundBiz, a UK specialty SMB finance broker run by Best Business Loans Ltd. Entity facts and citation guidance.
- How We Are Funded, FundBiz FundBiz is a UK commercial finance broker. We earn commission when introductions to lenders complete.
- How We Work, FundBiz Lender Panel and Matching Logic How FundBiz matches limited-company applicants to lenders. Our panel, the criteria the matcher uses, the weights, and how decisions are made.
- Privacy Policy, FundBiz How FundBiz collects, uses and protects your personal and business data when you use the eligibility checker or apply for finance. UK GDPR compliant.
- Terms of Use, FundBiz Terms of use for FundBiz: who can use the service, our introducer role, fees and commission, applicant warranties, liability, complaints and governing law.
triggered
- Asset finance balloon payment coming due, refinance options 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.
- Declined by Funding Circle, what to do in the next 7 days A Funding Circle decline lands. The 7-day window, your three options (appeal, retry elsewhere, restructure), what to avoid, when to call an accountant.
- MCA Repayments Biting and Card Takings Collapsed: Options 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 Residual Shock, UK Funding Routes, FundBiz Operating lease ended, residual cost higher than expected, asset purchase or refinance needed.
- Project Performance Bond Called, UK Funding Routes, FundBiz Performance bond or advance-payment bond called on a contract. UK specialist working-capital and bridging lenders that fund bond settlement and ongoing.
- R&D Claim Under HMRC Compliance Check: What To Do 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 Declining Mid-MCA Repayment: Restructuring Options 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.
- Supplier Demanding Immediate Payment: UK Funding Routes 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: UK Funding Routes 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.
business-credit-cards
- Business Credit Cards for UK Startups, FundBiz What business credit cards a UK startup or new limited company can realistically get, why lenders hesitate on thin trading, and the routes that work early.
- Business Credit Cards With No Personal Guarantee UK, FundBiz Can you get a business credit card with no personal guarantee? Why most cards need a director guarantee, plus prepaid and spend-management routes that do not.
- Cashback Business Credit Cards UK, FundBiz Compare UK cashback business credit cards for limited companies: cashback rate, representative APR and annual fee, and when cashback beats a low APR.
grants
- Business Grants vs Business Loans: Which Is Right, FundBiz Grants are free but scarce and slow; business loans are repayable but fast and widely available. How to choose, and what to do if a grant is not an option.
- How to Get a Business Grant in the UK: Steps, FundBiz A practical step-by-step guide to getting a UK business grant: find schemes you fit, check the round is open, prepare a strong application, and plan a backup.
lender-comfort
- Companies House Director ID Verification and Underwriting 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.
asset-refinance
- Sale-and-leaseback, release equity from owned UK plant Release working capital from owned UK plant, vehicles or equipment via sale-and-leaseback. How it works, who it suits, panel lenders, worked example.
vat-loan
- VAT loan vs HMRC Time-to-Pay, which costs less? FundBiz 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.