Site index

Every page on FundBiz in one place: 133 product pages, sector guides, lender comparisons and data pages. Looking for something specific? Try the search page.

Merchant cash advance

• Merchant Cash Advance UK, FundBiz 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.

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+.
• 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.
• 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.

Asset refinance

• Asset Refinance for UK Limited Companies, FundBiz Release working capital from owned assets through refinance, sale and leaseback, or hire-purchase 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.

Commercial mortgages

• 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.

Bridging finance

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

VAT loans

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

R&D advance

• 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.

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.

Declined applicants

• 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.

Loan declined

• 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.

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.
• 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.

Trigger events

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

By sector

• 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.

All products

• Specialty Business Finance Products, FundBiz UK specialty business finance products: merchant cash advance, asset finance, commercial mortgages, bridging, VAT funding, R&D advance.

Lender alternatives

• 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.

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.

Provider comparisons

• UK Specialty Finance Comparisons | FundBiz Side-by-side comparisons of UK specialty SMB finance providers. MCA, asset finance, post-decline routing, challenger banks compared.

Lenders

• 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.

Banks

• 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.

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.

Eligibility checker

• 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.

Calculators and tools

• 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.
• 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 UK business loan calculator: monthly payment, total cost, total interest. For term loans. MCA factor calculator at /calculator/mca-apr-converter/.
• 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).
• 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 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: 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: 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...
• 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 ...
• 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...
• Refused Business Finance? What to Do Next 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...
• 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 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...

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.

Statistics

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

Data and research

• 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.
• 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.

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.

Blog

• 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 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...
• 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...
• 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...
• 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...
• 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: 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...

About FundBiz

• About FundBiz, UK SMB Specialty Finance Comparison FundBiz is the UK\

Authors

• , Director, FundBiz leads FundBiz's specialty finance comparison and matching engine. 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.

Home

• FundBiz: Specialty Business Finance for UK Ltd Companies Independent UK specialty finance broker matching limited companies, LLPs and partnerships of 4+ to MCA, asset finance, bridging, VAT and post-decline lenders.

search

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site-index

• /site-index/

accessibility

• 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.

accreditations

• Accreditations and registrations, Every public registration and identifier held by (, Companies House ), linked to its register.

contact

• Contact, FundBiz How to reach FundBiz: applications, lender enquiries, complaints, partnerships and corrections.

disclaimer

• 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

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

site-structure

• Fleet Site Structure, FundBiz Fleet-wide site structure for the six Rank4AI fleet sites.

ai-instructions

• 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

• How We Are Funded, FundBiz FundBiz is a UK commercial finance broker. We earn commission when introductions to lenders complete.

how-we-work

• 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

• 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

• Terms of Use, FundBiz Terms of use for FundBiz: who can apply, our role as introducer, applicant warranties, intellectual property, limitation of liability and governing law.

thank-you

• Thanks, we've got your details: FundBiz Thanks for submitting your eligibility check. We're routing your application to UK specialist lenders most likely to approve.