Specialty business finance products
Six specialty UK SMB finance products covered on FundBiz. Limited companies, LLPs and partnerships of 4+ only. For mainstream term loans and editorial reviews, see our sister site BestBusinessLoans. For invoice finance see MarketInvoice.
Merchant cash advance (MCA)
Repaid as a percentage of daily card-machine takings. Best for hospitality and retail with strong card flow. Tickets from £3.5k to £500k. Specialist UK MCA lender panel.
Asset finance
Hire purchase, finance lease and operating lease for equipment, vehicles and machinery. The asset is the security so PG requirements are softer than unsecured term loans.
Commercial mortgages
Long-term finance against commercial property purchase or refinance. Tickets from £150k to £10m+. PRA-regulated banks dominate the panel.
Bridging loans
Short-term, asset-backed finance for property completions and time-sensitive deals. Terms of 3 to 24 months. Specialist UK bridging lenders only.
VAT funding
Short-term loans timed to your VAT bill. Repaid out of next VAT-quarter cashflow. Useful for businesses with seasonal VAT-bill spikes against quiet trading months.
R&D tax credit advance
Cash now against your filed (or about-to-be-filed) R&D tax credit claim. Specialist UK lenders only. Useful when the R&D refund is months away but the cashflow is needed now.
How fast each product moves
Decision speed and headline cost usually pull in opposite directions. The fastest products are the most expensive; the cheapest take the longest to arrange.
Other ways to navigate
Product is one lens. Some readers start from sector, lender panel, or decline-by-reason instead.
By sector
Sector-specific specialty finance: hospitality, construction, retail, manufacturing, recruitment and more.
UK lender panel
The PRA-regulated banks and specialist lenders FundBiz routes specialty finance applications to.
After a decline
Decline-by-reason routing. The specialist panel that engages where mainstream lenders will not.
Triggered by an event
A decline, an HMRC enquiry, a balloon payment or a collapse in trading has narrowed your options. Scenario-by-scenario routing.
HMRC and tax funding
PAYE arrears, Corporation Tax, VAT and CIS funding scenarios where an HMRC deadline is driving the need.
Government-backed schemes
The Growth Guarantee Scheme, Recovery Loan Scheme legacy and Start Up Loans, and where each one fits.
Eligibility checker
Two-minute eligibility form. Limited companies, LLPs and partnerships of 4+ only.