How quickly can I get a business loan approved in the UK?

Online lenders can approve business loans within 24-48 hours, with funds available in 2-7 days. Traditional banks typically take 2-6 weeks. Unsecured loans under £50,000 are fastest. At FundingBay, we match you with lenders offering quick approval - some decide within hours.

What credit score do I need for a UK business loan?

There's no single requirement, but scores above 650 improve your chances. Many lenders now focus more on cash flow and business performance than credit scores alone. We work with lenders across the credit spectrum, including specialists for businesses with poor credit history.

Can I get a business loan with no collateral or security?

Yes, unsecured business loans from £1,000-£500,000 are available without collateral. They're based on creditworthiness and cash flow rather than assets. Interest rates are higher than secured loans, but approval is faster with no asset valuations needed.

What's the difference between secured and unsecured business loans?

Secured loans require collateral (property, equipment) and offer lower rates (3-15%) with higher limits. Unsecured loans need no collateral but have higher rates (6-25%) and lower limits. Secured suits major investments; unsecured suits quick funding needs.

Partner in focus

Infina Financial

Home - Partners in Focus - Infina Financial

Funding Bay has partnerships with a host of practices that can benefit our clients. As part of the FundedClub we aim to create and foster a network between partners and clients alike. Funding Bay champions SME development, and by sharing our network with you, we can create an SME hub so that our clients can continue to grow and develop. We want to be more than just simply a funding solution, but a holistic service and guide for your business.

Infina Financial

Infina provides financial direction and advisory services to high-growth UK SMEs. Top-level accounting and finance expertise, without the commitment of a full-time appointment.

Working with ambitious businesses, founders and investors, from seed stage through to Series A and beyond, Infina is a strategic finance partner. Combining day-to-day finance operations, monthly planning and insights, statutory and tax compliance services, and Board-level strategic guidance.

Infina sits alongside business leaders as an embedded partner, giving founders and management teams the financial clarity, structure and confidence to make better decisions, leverage technology, and scale effectively.

How are you different from your competitors?

Infina is breaking the traditional mould of finance and accounting functions.

Providing a fast, adaptive, tech-enabled, and bespoke service, Infina embeds itself within teams or existing finance functions to restructure, optimise, and set the business up for its journey towards scalability.

Their flexible model, comprising of Accountants, Finance Managers, and CFOs, ensures that their clients get access to experienced finance professionals across the full range of operational, reporting, and strategic elements of accounting and finance functions.

Your success is their success, and what sets them apart is the depth of their clients’ relationships, as well as their willingness to contribute to the growth ambitions of the people and businesses that they work with.

Who can you help?

Infina builds trusting relationships with bootstrapped Founders, Boards of start-ups and scale-ups, as well as Investors and VCs looking to grow their portfolios. Whether the challenge is a lack of visibility over financials, inconsistent monthly reporting, or the need for strategic financial guidance ahead of a raise, Infina provides the structures, clarity and expertise to move forward with confidence.

What is your most recent success story?

In 2024, we began working with a client from incorporation – initially supporting a bootstrapped strategy before the business evolved and the case for external capital became clear. Over the last 12 months, we have supported the business through a series of debt and equity raises totalling over US$50m, acting as their embedded CFO and finance function throughout, leading on financial modelling and managing all due diligence processes end-to-end. In parallel with the fundraising, we supported the business through a period of significant operational scaling, growing from a team of 10 to over 70 people across more than 10 countries, with ARR growth exceeding 300% over the period.

Special offers for Funding Bay FundedClub members?

Infina offers a complimentary introductory consultation for Funding Bay FundedClub members. This is an opportunity to discuss your current finance and accounting setup, explore where there may be gaps or opportunities for improvement, and understand how Infina’s expertise could support your business at its current stage of growth.

Entrepreneur in focus

Fred Maude and Jack Carr – Addesu

Fred Maude and Jack Carr , co-founders of Addesu, a UK SME. Read on for more insights into this entrepreneur’s business savvy.

Partners in business funding

Become a Partner

If you have a portfolio of clients who could benefit from commercial alternative finance products, look no further. At Funding Bay, we pride ourselves on expertly matching each individual business case with a suitable product, to help your client’s business flourish. If you’d like to learn more about how our service could benefit your clients, please complete the form below, and we’ll be in touch.

Invoice Finance

Partner in focus

Infina Financial

Infina Financial

How are you different from your competitors?

Who can you help?

What is your most recent success story?

Special offers for Funding Bay FundedClub members?

Fred Maude and Jack Carr – Addesu

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