Business finance broker for UK companies that want more lender choice
We search a broad lender panel for asset finance, vehicle finance and business loans, helping established businesses find the right structure, stronger approval routes and faster decisions without approaching the market alone.
What is a Finance Broker?
Why use a broker instead of going direct?
A finance broker acts as an intermediary between your business and the lender market. Rather than approaching a single bank or lender, a broker searches the entire market on your behalf - finding the most suitable product, the best available rate and the highest chance of approval.
Finding Capital is an independent finance broker. That means we work on your behalf, not a lender's, and help you compare structures that fit your circumstances.
Check Eligibility →Going direct vs. using Finding Capital
Your Bank
Finding Capital
Why Choose a Broker
The advantages of using an independent broker
Finding Capital works for you - not the lender. Here's what that means in practice.
Whole of Market Access
We search 100+ specialist lenders simultaneously - including lenders that don't accept direct applications and are only accessible through brokers.
Higher Approval Rates
Because we match your application to the most suitable lender before submitting, approval rates are significantly higher than going direct to a single bank.
Better Structures
An experienced broker structures deals to your best advantage - choosing between hire purchase, finance lease, operating lease or loan depending on your tax position and goals.
Faster Funding
Our direct relationships with lenders and streamlined process mean credit decisions in as little as 30 seconds and typically within 4 hours, with payout often completed within 24–48 hours where applicable.
Independent Finance Broker
We are an independent finance broker. We're legally required to act in your best interest on every application.
No Upfront Fees
We earn our fee from the lender on successfully funded deals. There are no upfront broker fees for standard business finance applications.
Finance Products
Business finance products we broker
We arrange finance across three core product areas - all sourced from our panel of 100+ specialist lenders.
Asset Finance
Finance machinery, equipment, technology and vehicles through hire purchase, finance lease or operating lease. The most popular business finance product for UK SMEs.
Learn more about Asset Finance →Vehicle Finance
Finance cars, vans, HGVs, and full commercial fleets. Flexible terms from 12 to 84 months with hire purchase and contract hire options.
Learn more about Vehicle Finance →Business Loans
Unsecured and secured business loans, invoice finance and merchant cash advance - for working capital, expansion and cash flow management. If you want the broader product overview first, compare this with our business finance page.
Learn more about Business Loans →Our Lender Panel
Access lenders you can't reach direct
Many of the specialist lenders on our panel don't accept direct applications. You can only access them through an independent finance broker like Finding Capital.
Our Process
How we find and secure your finance
Tell Us What You Need
Apply online in under 3 minutes or speak to a broker directly. We'll ask about your business, the finance required and your preferred structure.
We Search the Market
We match your application against our 100+ lender panel and identify the most suitable lenders for your business profile and finance requirement.
Credit Decision
Initial credit decisions are returned in as little as 30 seconds. We present you with the best available offers and explain your options clearly.
Funded
Once you're happy with the offer, we handle all the documentation. Where the product involves supplier or lender payout, this is typically completed within 24–48 hours of signing.
Recent Funding Examples