From working capital and growth funding to unsecured and secured facilities, we help UK companies compare business loan options through our 100+ lender panel.
We help established companies compare the right route for cash flow, growth, stock, refinance and wider commercial funding requirements.
Fast access to working capital and growth funding without taking security over business assets on the right cases.
A more structured route for larger facilities where security can support longer terms or stronger pricing.
Access a reusable line of funding so the business can draw down when needed rather than borrowing one fixed amount.
Release cash tied up in unpaid invoices and smooth working capital without waiting for customers to settle.
Repay through future card takings, making it a useful route for businesses with consistent card-based revenue.
Restructure existing borrowing or release headroom so the business can stabilise payments and move forward with a clearer plan.
We review your funding requirement, turnover, trading profile and product fit so the case reaches the most suitable lenders first.
Suitable unsecured products can return a decision in as little as 30 seconds, while more complex or larger requests may take longer to underwrite.
Once accepted and signed, funds on the right products can often be paid into your business account within 24 hours.
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.
Bring in funds to manage short-term pressure, cover gaps between costs and receipts, or give the business more breathing room.
Use funding to back stock, recruitment, fit-out, marketing, acquisitions or wider commercial investment plans.
Some products are built for speed, while others are designed for larger or more structured requirements with longer terms.
The strongest outcome usually comes from matching the product to the use of funds, the profile of the business and the timing required.
The strongest business loan enquiries are not just about needing money quickly. They are usually about smoothing cash flow, funding growth or moving on an opportunity without slowing the wider business down.
Bring in capital when the business needs breathing room, without waiting for retained cash to catch up with the requirement.
Move on stock, hiring, fit-out, expansion plans or wider investment without slowing the rest of the operation down.
Borrow without giving away equity, while choosing a route that matches the amount, speed and security available.
Recent trading performance and bank statement behaviour often matter more than headline turnover alone.
Lenders respond better when the requirement is specific, sensible and commercially linked to the business plan.
Past credit issues do not always rule a deal out, but they do affect which lenders and structures are realistic.
Our advisors are specialists in matching businesses to the right funding product. Start an enquiry and we'll do the work for you — no obligation, just a clear initial review of your options.
Business loans can be complex — unsecured business loans, revolving credit, invoice finance, merchant cash advance and wider capital funding solutions. Our specialists will assess your business in plain English and point you directly to the best option for your situation.
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"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."
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 — our advisors will identify these options where available and appropriate for your circumstances.