How we are funded

FundBiz is a UK commercial finance broker. We earn commission when an introduction to a lender on our panel results in funding being drawn down. This page is the full disclosure: what we earn, what it does not buy, and how we keep matching honest.

Revenue model

When an applicant we introduce signs a finance facility with a lender on our panel, the lender pays us a commission. Commission is typically a percentage of the facility size, paid once on completion. Some lenders use a flat-fee model; some pay a smaller residual on continuing facilities.

We do not charge applicants. There is no application fee, broker fee, success fee or "exclusive deal" fee billed to the borrower. Lenders pay us; you do not.

How matching is decided

The post-decline matcher and product-lander matchers route on three criteria, in this order of importance:

  1. Eligibility fit. Will the lender actually consider this applicant given their criteria, sector, ticket size and decline reason?
  2. Approval probability. Based on our panel-conversion data, which lender most often approves applicants of this type?
  3. Commission tier. Among lenders equally likely to approve, we prefer the higher tier. This is a tie-breaker, not a primary input.

The matching weights are documented in how we work. Changes to weights are version-stamped on that page.

What money does not buy

  • A position at the top of the matcher results.
  • A "preferred lender" badge that is not earned by approval-rate data.
  • The right to be quoted in a sector lander or post-decline guide without panel-fit justification.
  • Removal of a lender's known restrictions or decline reasons from a guide.

Sister sites and cross-introductions

Best Business Loans Ltd owns FundBiz and three sister sites: BestBusinessLoans (editorial reviews), MarketInvoice (invoice finance comparison) and CardMachines (terminals).

BestBusinessLoans links to FundBiz when readers move from research to applying. We disclose this on the BBL pages where the link appears. The reverse does not happen: which BBL review is highest-ranked has no effect on which lender FundBiz routes you to.

Auditing

The split between commercial decisions (commission tiering, panel acceptance) and matching decisions (which lender we route a given applicant to) is audited internally once a year. The audit checks routing logs against panel-conversion data and against the documented weights. Findings are summarised on this page in the year-end review.

Last reviewed: 26 April 2026.