Move fast. Back your next stage. Don't wait for your bank.
Working capital, growth funding and unsecured loans for UK businesses that need to move quickly, without the bank queue.
Built for businesses that need funding to keep moving
We help established companies compare the right route for cash flow, growth, stock, refinance and wider commercial funding requirements.
Not sure what you can borrow? Check in two minutes — no credit search at this stage.
Check Eligibility →How much could you borrow and what would it cost?
Get an indicative monthly payment and check your eligibility in three simple steps. No credit search at this stage.
Need to compare loans with asset or vehicle finance? Visit our business finance calculator.
See how affordable our loans can be
Tell us about yourself
Search your business, then add the contact details you want us to use.
Selected company
Tell us about your business
A few commercial details help us judge the most suitable route before we come back to you.
Finding Capital's Application Process
We've designed our application process so that we'll just need the basics to make a decision.
Apply NowIf you're approved, we can have your loan transfered to your bank account. The money should hit your account within hours.
Most of our funders allow for free early repayments, so you know you're not overpaying.
Fund growth, smooth cash flow and keep the business moving forward
Business funding is a broad term for finance that helps a company cover working capital, unlock growth, manage uneven cash flow or move quickly on an opportunity without relying only on retained cash.
That can mean an unsecured loan for speed, a secured facility for a larger requirement, invoice finance to release cash from unpaid invoices, or a revolving line that gives the business breathing room when it is needed most.
The right route depends on the amount required, how quickly the funds are needed, the strength of the trading profile and what the money is being used for. Our job is to help narrow that down quickly and put the case in front of the right funders first.
Independent brokers. Working for you, not the lender.
Finding Capital is an independent finance broker. That means we are not tied to any single lender, not incentivised to push one product over another and not working toward anyone's targets but yours.
When you enquire, we search the full market — 100+ lenders — and match your case to the one most likely to approve it at the best available terms. One enquiry. Whole-of-market access. A real answer from a real specialist.
"We are transparent about how we earn. We tell you our commission before you commit to anything. That is how we think a broker should work."
— Finding CapitalIndependent brokers. Working for you.
Finding Capital is an independent finance broker — not tied to any lender, not pushing any single product. We search 100+ lenders and find the right fit for your business. One enquiry, whole-of-market access.
We are transparent about commission. We tell you upfront. That is how we think a broker should work.
The right structure for different funding needs
Unsecured Business Loans
Fast access to working capital and growth funding without taking security over business assets on the right cases.
Secured Business Loans
A more structured route for larger facilities where security can support longer terms or stronger pricing.
Revolving Credit Facility
Access a reusable line of funding so the business can draw down when needed rather than borrowing one fixed amount.
Invoice Finance
Release cash tied up in unpaid invoices and smooth working capital without waiting for customers to settle.
Merchant Cash Advance
Repay through future card takings, making it a useful route for businesses with consistent card-based revenue.
Refinance & Consolidation
Restructure existing borrowing or release headroom so the business can stabilise payments and move forward with a clearer plan.
Do you qualify for a business loan?
Our advisors are specialists in matching businesses to the right funding product. Start an enquiry and we'll do the work for you, with no obligation and a clear initial review of your options.
What businesses say about our funding support
"We needed working capital quickly and the team helped us compare lenders properly rather than just pushing one option."
"The callback was fast, the paperwork was lighter than expected and funds were available within the timeline we had been given."
"We wanted growth funding without wasting weeks going bank to bank. Finding Capital gave us a much clearer route forward."
Business loans explained
Our panel offers funding from £1,000 up to £2,000,000, depending on the product and your business profile. Unsecured loans typically go up to £500,000; secured lending can accommodate larger facilities. The amount available to your business will depend on your turnover, trading history, credit profile and the type of finance you're applying for.
We aim to respond to new enquiries within 1 hour. On suitable unsecured products, credit decisions can be returned in as little as 30 seconds and typically within 4 hours, with funds often paid into your account within 24 hours of acceptance. Secured lending and more complex facilities can take longer, and our advisors will give you a realistic timeline for your case.
Our initial enquiry and advisor consultation are designed to help you understand the right route first. If a formal credit search is needed for a specific lender, that only happens once you choose to proceed and give your express consent.
Yes. We work with specialist lenders who consider businesses and directors with adverse credit histories, including CCJs, defaults and missed payments. The availability and cost of finance will vary depending on the severity and recency of the issues. Our advisors will be honest with you about your options and will only submit to lenders where there is a realistic chance of approval.
For most unsecured applications you'll need: 3–6 months business bank statements, your most recent filed or management accounts, proof of identity (passport or driving licence) and basic business information. Secured and larger facilities may require additional documentation including property details, asset schedules and a business plan.
For many unsecured business loans, lenders will require a personal guarantee from the business directors. This means you personally guarantee to repay the loan if the business cannot. Some lenders offer limited or no-personal-guarantee products, and our advisors will identify these options where available and appropriate for your circumstances.
Still have questions?
A specialist can answer any question about structure, lenders or eligibility before you commit to anything.
Prepare properly before you apply
Business loans across the UK
If you have existing borrowing you want to restructure, see our business refinance and consolidation page. For West Midlands SMEs comparing local working capital, invoice finance and asset-backed routes, see our business loans Birmingham guide, or browse all business finance locations.