Business financing simplified

Raising Finance The Smart Way

We help businesses of all shapes and sizes to access commercial 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.

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.

Commercial Finance Options

Apply today to get an offer on the table in 24 hours.


The Ultimate Guide To MBI AND MBO

business funding solutions

How We Can Help

What we do:

  • We play matchmaker between the businesses who need capital and the lenders who have it.
  • We work with borrowers with requirements from
    £20k to £25m.
  • We help SMEs raise funding via a range of corporate and commercial finance products including, invoice discounting, asset finance, bridging and development loans, unsecured loans and more.
  • As a commercial finance broker, we compare and help SMEs navigate the world of alternative finance.

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.

Learn about funding

Questions and Answers

For different types of funding, you will need slightly different documents, but for the vast majority you will require:

  1. Your last fully filed accounts.
  2. Last 12 months bank statements.
  3. Most up-to-date management accounts including balance sheet and profit and loss plus your latest aged receivables and aged debtors.

  4. A schedule of all the current debt in the 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, and these include high street banks such as Lloyds and Barclays who will have every type of lending available, to alternatives such as unsecured lenders like Funding Circle or invoice and trade financiers such as Bibby.

No. Your credit score will not be affected by your engagement with Funding Bay. 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. However, in the vast majority of cases, using a broker like Funding Bay will give you the following benefits:

  1. We sort the wood from the trees – with hundreds of lenders out there, it is not easy to know where to look.
  2. As a volume introducer, we can source the best rates available.
  3. The application processes are nuanced, and we are experts in making a business’ numbers, narrative, and requirements fit into lender deal boxes.

Qualifing questions

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