Independent FCA authorised broker

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.

30s
Credit decision
£2m+
Funded
FCA
Authorised

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 FCA authorised and regulated credit broker. That means we're legally required to act in your best interest — not a lender's — and to recommend products that are appropriate for your circumstances.

Check Eligibility →

Going direct vs. using Finding Capital

Your Bank

One lender only
Rigid criteria
Weeks to decide
Low approval rates
Complex process

Finding Capital

100+ lenders
Flexible criteria
Decision in 30s
Higher approvals
We handle it all

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.

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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.

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FCA Regulated

We are authorised and regulated by the Financial Conduct Authority. We're legally required to act in your best interest on every application.

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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.

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.

Hire Purchase Finance Lease Operating Lease £1K - £2M
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.

Hire Purchase Finance Lease Contract Hire Single or Fleet
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.

Unsecured Loans Secured Finance Invoice Finance Merchant Cash Advance
Learn more about Business Loans →

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 authorised broker like Finding Capital.

100+
Lenders on panel
30s
Credit decision
FCA
Authorised broker
32 years
Combined senior experience

How we find and secure your finance

STEP 01

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.

STEP 02

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.

STEP 03

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.

STEP 04

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.

Deals we've recently arranged

£120,000
Vehicle Finance
Fleet of 8 vans for a logistics company in the Midlands. Hire purchase over 48 months — declined by their bank, approved through our panel within 4 hours.
Term: 48 monthsDecision: 4 hours
£85,000
Asset Finance
CNC machining centre for a precision engineering firm. Structured on finance lease to maximise tax efficiency — full tax deduction on payments.
Term: 60 monthsFunded: 48hr
£55,000
Business Loans
Unsecured working capital loan for a professional services firm. Used to bridge a gap between completing a large project and receiving payment.
Term: 24 monthsFunded: 24hr

Ready to find your finance?

Apply in under 3 minutes and get a credit decision in as little as 30 seconds. No upfront fees, no obligation — just expert finance broking from an FCA authorised firm with a broad lender panel.