Triggered scenarios
A "triggered" scenario is one where a specific event (a decline, an HMRC enquiry, a balloon payment, a collapse in trading) has narrowed the lenders willing to engage. Generalist comparison sites struggle here because the underwriting questions are different. These guides cover what the trigger usually means to a lender, which types of specialist lender may still look at the file, and how to package the next application.
Asset finance balloon coming due
Final balloon on a hire purchase or finance lease is due in 90 days. Refinance routes, what to avoid, and how to keep the asset on the balance sheet.
Declined by Funding Circle
What the Funding Circle decline usually means, which types of lender may look at the same applicant, and how to package the next application.
MCA card takings collapsed mid-term
You took an MCA, card takings have dropped, the daily draw is eating cash. Restructure options that the MCA provider will engage with, and lenders who refinance distressed MCA positions.
R&D HMRC enquiry, advance frozen
Submitted R&D claim, HMRC has opened an enquiry, advance lender has paused. Lenders who fund through an enquiry, bridging options, and the realistic timeline.
Sales down mid-MCA
Trading has softened, the MCA holdback is biting. How the provider responds when you flag it early, restructure routes, and when to refinance into a longer facility.
Supplier demanding immediate payment
Key supplier threatening to stop deliveries or file a winding-up petition. Specialist working-capital, asset-refinance, and MCA routes that fund supplier settlement inside one week.
Performance bond called on a contract
Bank or surety has called a performance bond after a client dispute. Three parallel workstreams: commercial settlement, surety negotiation, and bridge funding inside the 30-day pursuit window.
Operating lease residual shock
End-of-lease return inspection has produced an unexpected damage, mileage, or condition bill. Buy out, refinance, or settle routes depending on whether you want to keep the asset.
Trade credit insurance cancelled
Atradius / Coface / Allianz Trade has pulled cover on a customer or your ledger. Invoice finance availability drops in lockstep. Switch underwriter, move to non-recourse, or route to selective invoice finance.
If your scenario isn't here, you can send an enquiry and a business finance broker will contact you. FundBiz passes your details to the broker and does not run a credit check.