Fund Business
desk@fundbusiness.uk

Finance you need,
arranged properly.

Business and commercial finance. Term lending, asset and invoice finance, commercial mortgages, trade and working capital — and property finance when the deal needs it. Send us the transaction and you will have a considered answer and options the same working day — not a call centre, not fake promises and not a credit search.

Rather email?

Email the deskdesk@fundbusiness.uk

Introducers welcome — fees agreed in writing before anything is submitted.

01Your details

02The requirement

What is the finance for?
Facility required*

03Anything else

No credit search. Your details are not shared without your say-so.

What we arrange

Six facilities, one desk.

Business and commercial finance is the day job; property finance runs alongside it for the deals that need it. Everything below is arranged UK-wide, from one enquiry.

Business loans

Secured and unsecured term lending from three months to six years — growth, recruitment, stock, tax bills, an acquisition or buying out a shareholder. Unsecured decisions rest on trading performance and the directors. Bringing property or business assets in as security usually buys a longer term and better pricing. Filed accounts help, but recent management figures and bank statements are often enough for a view.

Asset finance

Hire purchase and lease for plant, machinery, commercial vehicles, tooling and IT — new or used, from a dealer or a private sale. Refinancing assets you already own releases cash back into the business. Because the asset carries much of the risk, asset finance often works where a straight loan does not, including for younger companies and thin balance sheets.

Invoice finance

Factoring, confidential discounting and selective single-invoice funding, releasing up to 90% of the ledger. It turns a sixty- or ninety-day payment term into cash in days, and the facility grows with turnover instead of being reset once a year. Take factoring if you want credit control handled for you; take discounting if you would rather your customers noticed nothing.

Commercial mortgages

Owner-occupier and investment lending to 75% LTV on shops, offices, industrial units, warehouses, surgeries and mixed-use property. Buying your own trading premises, refinancing a facility that has become expensive, or releasing equity from a building already owned. Terms run long; pricing turns on the covenant, the tenant and the property itself.

Trade & working capital

Import and export lines, letters of credit, stock and purchase-order funding, and revolving cashflow facilities. For businesses paying suppliers up front and getting paid months later. The funding sits against the transaction rather than the overdraft, so one unusually large order does not swallow the headroom you need for everything else.

Property finance

Development, bridging, refurbishment, investment and buy-to-let, and private or high-net-worth lending. Ground-up schemes, conversions and permitted development, land with or without planning, auction purchases running against a deadline, and portfolio refinance. Priced on the deal — the security, the exit, and how quickly it has to happen.

Common questions

Before you send it.

The things people ask before they fill anything in. If yours is not here, put it in the notes and it will be answered with the rest.

How quickly will I hear back?

Send an enquiry on a working day and you will have a considered answer and options the same day — a reply from someone who has read the transaction, not an automated acknowledgement. If it is urgent, say so in the notes and email the desk quoting your reference.

Will enquiring affect my credit file?

No. We do not run a credit search to give you an answer, and nothing goes to a lender until you have seen the terms and told us to go ahead. Your details are not shared without your say-so.

How much can I borrow?

That depends on the facility rather than on us. Unsecured term lending is sized on trading performance, asset finance on the asset, invoice finance on the ledger to 90% of it, and commercial mortgages on the property to 75% LTV. Tell us the figure you need and what it is for, and you will get an honest answer about whether it is there.

What does it cost to use Fund Business?

Fund Business is a credit broker, not a lender, and may be paid an introductory fee by the lender we introduce you to. Any fee payable by you is agreed in writing before anything is submitted.

Are you regulated by the Financial Conduct Authority?

Fund Business is a credit broker, not a lender. Most business and commercial finance is not regulated by the Financial Conduct Authority, and no facilities we source are regulated by it. Where a facility is secured against property or business assets, those assets are at risk if you do not keep up repayments.

Do I need filed accounts to get an answer?

Not to get an answer. Recent management figures, three to six months of business bank statements and a clear picture of what the money is for are usually enough for a view. Filed accounts, an aged debtor list or a schedule of assets sharpen it, and we will ask if the lender needs them.

Can you help with adverse credit, or after a decline?

Often. A CCJ, a missed payment plan, a short trading history or a decline elsewhere narrows the list of lenders rather than ending it, particularly where there is an asset or a ledger to lend against. Tell us at the outset. A decline you did not mention is the thing most likely to waste your week.

Do you cover the whole of the UK?

Yes. The desk works UK-wide — England, Wales, Scotland and Northern Ireland — and everything is handled by email and phone, so where you are does not change how quickly you get an answer. Property lending is the one place location genuinely moves appetite and pricing.

Can introducers and brokers use the desk?

Yes, introducers are welcome. Pick “Introducer / broker” at the top of the form and describe the client’s transaction as you would your own. Fees are agreed in writing before anything is submitted.