Business financing simplified

Raising Finance The Smart Way

We help businesses of all shapes and sizes to access finance in just three simple steps. Our market expertise and no-nonsense approach to raising finance means we can tailor our flexible service for any business.

If you would like to find out how we can help your business please complete the consultation form and a member of our team will be happy to help.

Invoice finance allows you to release funding tied up in your unpaid invoices to improve working capital.

You can search through a range of business loan products including unsecured business loans, secured business loans, bridging loans and much more.

Asset finance allows you to release funds against existing assets or can be used to purchase additional assets for the business.

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Which financial loan product is best suited for you and your business?

business funding solutions

How We Can Help

What we do:

  • We play non-advisory matchmaker between the businesses who need capital and the lenders who have it.
  • We work with borrowers with requirements from
    £50k to £25m.
  • We help businesses access all commercial debt products.
  • As a commercial finance broker, we compare and help SMEs navigate the world of alternative finance.
  • We help SMEs raise funding via a range of products including, bridging loans, unsecured loans and more.

How does it work?

  • Our smart tech and experienced team analyse the business and management’s funding requirement and goals.
  • We match this to the deal box of one of our funders and package the application.
  • We help manage the funding process from start to finish.
  • We have loan calculators that allows you to quickly see if your business is eligible for several loans such as unsecured, secured and more.
  • As a commercial broker we understand exactly the requirements and application process for our roster of lenders.

Learn about funding

Questions and Answers


For the Funding Bay discovery form you will need to submit:

1. Your last full filed accounts
2. Last 12 months of bank statements
3. Your cashflow forecast
4. Most up to date management accounts

Your further application will then depend on the facility and the lender, but for a typical unsecured loan you will need:

1. Director info
2. Last 6 months of statements
3. Management info
4. Last full filed EOY accounts
5. Aged debtors
6. Current debt in business

We have a vast network of over 200+ lenders within the traditional and alternative finance market. Our job is to use our expertise and technology to match your funding needs with the most suitable lender on our roster.

There are specialist lenders for each product. For instance, a selection of our asset finance lenders are: 
– Close Brothers, Lombard, Hitachi, Aldemore.

Invoice finance lenders: Bibby, Nucleus or Lloyds.




No. Your credit score will not be affected by your engagement with Funding Bay. However, certain lenders we pass your information to will perform checks in order to carry out their due diligence. This will never occur unless you have provided your explicit consent.

If you are in a position where you know exactly what facility you are after and which lender works for your business, it might make sense to go direct.

There are several advantages of using Funding Bay as a broker service:

– We will handle the application process
– We will search the market for the most suited lender
– Industry expertise

Qualifing questions

Can I Borrow?

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