Funding finder: start from what you've got

How does the Funding finder work?

The finder runs a simple scoring rule in your browser. Each funding route lends against something specific: invoices, an asset, a property, a flow of sales, a signed order, a trading record. If you tick that thing, the route becomes a candidate. The finder then adjusts the ranking for how soon you need the money and for the amount band, because some routes suit small amounts and some only make sense above a minimum.

Nothing about this is a credit decision. It is a way of turning the question "what can I even apply for?" into a short, sensible list. The result is the same kind of thinking a specialist does in the first few minutes of a call, written out so you can read it at your own pace.

What do the fit labels mean?

Strong fit means the route lends directly against something you ticked, and your timing and amount suit it. Good fit means it lends against something you hold but one factor, such as the amount band or the timing, is less ideal. Worth a look means it could work, but it is a weaker match or depends on details only a conversation will reveal. A label is never a promise of approval.

What can't the finder tell you?

• Whether you will be approved. That depends on documents, security and a funder's assessment.
• What it will cost. Every facility is priced on the business's own circumstances, so we never publish rates. Use the total cost guide to compare real offers in dollars.
• Whether a route clashes with existing security. If a bank or another financier already holds a claim over your assets, read combining funding routes and mention it when you enquire.
• Your best structure. Many businesses use two or three routes together, each against a different asset.

How should you use the results?

Read the top route's page first, then the "have ready" list, which the finder merges into a single starter pack for the routes it ranked highest. If two routes look close, the page for each explains the trade-offs and when it is the wrong tool. When you are ready, start the enquiry: it takes about a minute, involves no credit check, and a real person reads it rather than your details being sent to a pile of lenders. Answer as accurately as you can, particularly the assets, amounts and any existing finance, because accurate answers are how we match you properly the first time.

Every route at a glance

If a bank has already said no, the Bank said no? Decoder translates the reason you were given into the routes that do not depend on it.

Frequently asked questions

Is the Funding finder an offer or an approval?

No. It is a general guide that matches what your business holds to the routes that lend against it. A lending specialist confirms what is realistic after you enquire.

Does the finder run a credit check or store my answers?

No. It runs entirely in your browser on this page, nothing is sent anywhere, and there is no credit check. Your ticks are not saved after you leave.

Why does it rank some routes lower even though I qualify for them on paper?

Ranking weighs what you hold, how soon you need the money and the amount band together. A route can fit but sit lower because another lends against something you hold more of, or suits your timing better.

What if I tick nothing and only have a trading history?

Tick the trading-history box and the finder will lean on statement-based routes, such as cash-flow loans and lines of credit, plus supplier terms. A short history will limit the amount; the bank-said-no pages explain what works for newer businesses.

Why don't the results show interest rates or costs?

Every facility is priced on the business's own circumstances, so any number published here would mislead. The total cost guide shows how to compare real offers in dollars.

Can I combine routes?

Often yes, provided the security does not clash. Each result links to its page, and the guide on combining routes explains how to plan the order.