Do you use one lender or a panel?

Finding Capital works with a broad panel of lenders across asset finance, vehicle finance, business loans, invoice finance and specialist facilities.

Does every lender see my case?

No. We match each enquiry to the lenders most likely to suit the amount, asset type, trading profile and urgency of the requirement.

Can newer businesses still be considered?

Yes. Some lenders on our panel specialise in younger businesses, start-ups, specialist assets or more complex credit profiles.

Lender Access Explained

Meet the lender panel behind our business finance decisions

Finding Capital does not rely on a single lender. We work with a broad lender panel across asset finance, vehicle finance, business loans and specialist facilities so we can match each case to the most suitable route.

Check Eligibility → How Our Broker Service Works

100+Lenders and specialist funders

30sFastest decision window

£1K to £2MTypical facility range

FCAAuthorised credit broker

Panel Categories

The types of lenders we work with

The value of a lender panel is not just quantity. It is the mix of funders, appetites and underwriting styles available across different products and sectors.

Asset Finance

Asset and equipment financiers

Specialist lenders for machinery, production assets, healthcare kit, technology, fit-out and revenue-generating equipment purchases.

Vehicle Finance

Commercial vehicle lenders

Providers for vans, HGVs, refrigerated fleets, specialist vehicles, EVs and larger fleet facilities with block pricing.

Business Loans

Business loans lenders

Unsecured loan providers, secured lenders, revolving credit specialists and growth capital funders for broader business requirements.

Cash Flow

Invoice and receivables funders

Specialist funders focused on invoice discounting, factoring and working capital products linked to debtor books.

Complex Cases

Specialist credit and niche lenders

Lenders with appetite for newer businesses, specialist assets, thinner credit files or cases that do not fit a high street template.

High Value

Structured and larger-ticket funders

Funders for larger multi-asset transactions, fleets, higher-value loans and structured facilities where pace and packaging matter.

Who We Use

Examples from the lenders and funders we work with

Below are examples of named funders that sit within the wider panel. The section is ready for branded PNG logos, with graceful fallbacks until the final files are added.

Lloyds Bank

High-street business banking and commercial lending support across established UK firms.

Cambridge & Counties

Specialist commercial lending with appetite for UK SMEs and asset-backed requirements.

Siemens

Well-known vendor and equipment-linked funding routes in selected business sectors.

Investec

Private bank and specialist funder support for larger-ticket or more structured requirements.

Photolease

Specialist equipment and technology-led funding routes for selected commercial purchases.

What It Means

Why a lender panel matters when you need the right funding route

Many businesses begin with one idea in mind, but the most suitable route can depend on the asset, supplier, urgency, credit profile and wider commercial goal. A broad lender panel makes that matching process much more practical.

Better lender fit

We can align the case with lenders that like the asset class, sector, amount, trading profile and urgency instead of forcing every case down one route.

Approval efficiency

Matching to likely funders first helps reduce wasted submissions and improves the chance of getting a useful answer quickly.

More structure choice

Hire purchase, lease, unsecured loan, invoice finance or revolving credit may all solve different versions of the same business problem.

Stronger specialist coverage

Specialist sectors like healthcare, print, logistics, food distribution and construction often need lenders who understand their equipment and timelines.

How we use the panel in practice

We review the requirement first, then target the lenders most likely to suit the case rather than broadcasting applications unnecessarily.

Asset-led enquiries are matched by equipment type, residual value and supplier profile.

Vehicle cases are filtered by vehicle class, fleet size, dealer type and business age.

Business loan cases are matched by turnover, urgency, use of funds and whether the business needs unsecured or secured support.

Where useful, we connect funding examples and sector pages so clients can compare real deal shapes before applying.

How Long Approval Takes

Typical timelines once the right lender path is chosen

Approval speed varies by product, but the lender panel helps us find the route that best matches the urgency of the deal.

Fast asset and vehicle triage

Many straightforward asset and vehicle cases can be matched and submitted the same day they arrive with us.

Same-day or next-day decisions

Some business loans and specialist facilities need a bit more underwriting, but quick products can still move inside 24 hours.

24 to 72 hour payout windows

Once terms are accepted and documents are complete, many funders can pay suppliers or release funds quickly.

Common Questions

Lender panel FAQs

Do you send my case to every lender? +

No. We target lenders based on product fit, likely appetite and the information provided in your enquiry so the process stays focused and commercially sensible.

Can the panel help with specialist assets or newer businesses? +

Yes. One of the main advantages of a broader panel is access to lenders who understand niche sectors, specialist equipment and younger trading histories.

What should I look at next? +

If you want proof of deal shape, review our funding examples. If you want product detail, compare asset finance, vehicle finance and business loans and capital funding solutions.