Why choose Smart Funding Solutions?​

Decision within 48 hours​

Over 250 funding lines

Funds within 48 hours of acceptance

Borrow from £5,000

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Smart Funding Solutions work directly with you to secure the funding that best suits your business. Borrow from as little as £5,000 and give your business the cash flow it needs to help it thrive. 

At Smart Funding Solutions, we appreciate that every business is different and work with you to secure the funds you request as quickly as we’re able to. Sit back, relax and let us take care of the hard work for you!

Choose Smart Funding Solutions

Secure Finance for UK Professions Using Our Wealth Of Experience

Smart Funding Solutions work with over 250 lines of credit to ensure we find you a competitive rate.

Smart Funding Solution process applications quickly, expect a decision within 48 hours.

You'll receive the funds within 48 hours of your application being approved.

Flexible terms, from 3 months to 5 years to suit you.

Do you have a question for us?

If you have any questions about how Smart Funding Solutions works, or whether we’re able to provide a solution for you and your business, simply fill in our contact form and one of our advisors will be in touch to assist you.

We’re available Monday to Friday, between 9am & 5pm to assist you with any queries. Contact Smart Funding Solutions today and we’ll provide all of the help we can.

VAT funding is a form of financing used by businesses to spread the cost of a quarterly VAT tax bill, over 3 monthly repayments, this can also be widely known as a VAT loan.

Many businesses find that their working capital is strained by VAT. VAT funding can help relieve this burden and free up capital to be spent in other areas of your business.

Smart Funding Solutions work with prime rate lenders that typically don’t require a personal guarantee, they pay HMRC direct and you repay over an affordable 3 month period at a low interest rate.

Once we have set you up with a lender, this can act as a revolving credit facility that you can renew every 3 months in line with your quarterly VAT returns.

Along with funding VAT, we can also help with Corporation Tax and Self-Assessment Tax facilities.

Benefits of VAT funding:

  • Takes the pressure off cash reserves
  • Retain working capital for other business areas
  • Smooths cash flow peaks and troughs
  • Fixed monthly repayments
  • Competitive rates
  • Quick and simple to arrange
  • Can be paid directly to HMRC

A secured loan is a loan secured against an asset, for example, a property that you own. As the loan is secured by an asset, it’s also known as asset-backed lending. This means that you borrow a set amount and if you don’t keep up with loan repayments, you could lose your asset.

Types of secured loans include where a company director uses their private home to raise money for any business rationale. You can also look to get a secured loan against assets within the business, such as machinery, vehicles or equipment. The amount you can borrow will depend on the equity within your property or business assets.

Any equity must cover the loan amount needed, important to bare this in mind when deciding how much funding is desired. Contact Smart Funding Solutions for more information on secured business loans.

Advantages of a secured loan:

  • Larger loan amounts – you can borrow more money with a secured loan, usually up to around £125,000 depending on the amount of equity available in the property you are securing the loan against.
  • Longer periods to pay back – loans can stretch beyond the typical 3-5 years of an unsecured loan, giving you longer to pay the loan back.
  • Lower repayments – as the secured loan can be paid back over a longer period and interest rates are low, repayments can be lower and more easily budgeted for, which is ideal for a new business where cash flow can be a challenge.
  • Good for poorer credit history – lenders prefer secured loans for borrowers with a less-than-perfect credit history, as they know the amount can be repaid in the event of a loan default.

VAT funding is a form of financing used by businesses to spread the cost of a quarterly VAT tax bill, over 3 monthly repayments, this can also be widely known as a VAT loan.

Many businesses find that their working capital is strained by VAT. VAT funding can help relieve this burden and free up capital to be spent in other areas of your business.

We work with prime rate lenders that typically don’t require a personal guarantee, they pay HMRC direct and you repay over an affordable 3 month period at a low interest rate.

Once we have set you up with a lender, this can act as a revolving credit facility that you can renew every 3 months in line with your quarterly VAT returns.

Along with funding VAT, we can also help with Corporation Tax and Self-Assessment Tax facilities.

Benefits of VAT funding:

  • Takes the pressure off cash reserves
  • Retain working capital for other business areas
  • Smooths cash flow peaks and troughs
  • Fixed monthly repayments
  • Competitive rates
  • Quick and simple to arrange
  • Can be paid directly to HMRC

A secured loan is a loan secured against an asset, for example, a property that you own. As the loan is secured by an asset, it’s also known as asset-backed lending. This means that you borrow a set amount and if you don’t keep up with loan repayments, you could lose your asset.

Types of secured loans include where a company director uses their private home to raise money for any business rationale. You can also look to get a secured loan against assets within the business, such as machinery, vehicles or equipment. The amount you can borrow will depend on the equity within your property or business assets. Any equity must cover the loan amount needed, important to bare this in mind when deciding how much funding is desired.

Advantages of an unsecured loan:

  • Smaller loan amounts – If you need only a small amount, such as £25,000, then an unsecured loan makes sense especially if you’ve got a property and don’t want to expose it to the risk of repossession. Lender will require you to sign a personal guarantee, opposed to asking for legal security against your property.
  • Flexible repayment periods – unsecured loans can have any repayment period, up to around five years. The longer the loan period, the lower the interest rate you’ll be charged on the loan.
  • Good for those already trading – as the loan is unsecured, the lender will assess it against your business’s trading position. They will also perform background checks such as your credit history, cash flow position, balance sheet and cash reserves.
  • Quicker to obtain – unsecured loans for small amounts are quicker to get approved, with fewer processes and legal headaches.
  • No property exposure – no need to put up property as security and few admin costs.

Advantages of a secured loan:

  • Larger loan amounts – you can borrow more money with a secured loan, usually up to around £125,000 depending on the amount of equity available in the property you are securing the loan against.
  • Longer periods to pay back – loans can stretch beyond the typical 3-5 years of an unsecured loan, giving you longer to pay the loan back.
  • Lower repayments – as the secured loan can be paid back over a longer period and interest rates are low, repayments can be lower and more easily budgeted for, which is ideal for a new business where cash flow can be a challenge.
  • Good for poorer credit history – lenders prefer secured loans for borrowers with a less-than-perfect credit history, as they know the amount can be repaid in the event of a loan default.

Unsecured business loans are a type of funding that doesn’t require the business to put up any personally owned or business-owned assets up as collateral. This differs from secured business loans, which require the finance to be backed by an asset of some type.

Because no assets are secured against an unsecured loan, it’s a requirement in the majority of cases that the person taking out the loan, the borrower, has a good credit rating. Due to these types of loan having no security by way of assets, they tend to have a shorter repayment period with a higher rate of interest.

Unsecured loans are suitable for growing businesses in need of immediate money to expand or develop further.

Working capital loans, are loans that fund everyday business operations. Businesses use working capital loans to cover things like payroll, rent and debt payments. This is a flexible loan option for small businesses that need cash quickly to cover immediate expenses.

Cash flow loans are similar to working capital loans, but they’re approved solely on your business’s past and future cash flow projections. You may not have to put up collateral and the approval process can take just a few hours. This a highly flexible loan compared to other business funding options, which require a fair number of hoops to jump through for approval.

Essentially, they can fall in both the unsecured and secured funding categories, depending on how much capital is needed and how quickly. Short term cash flow issues can quickly be resolved by way of an unsecured loan with a personal guarantee and long-term working capital can be achieved by way of securing a loan against any assets that you have.

We can look to achieve both working capital & cash flow loans with basic business information, such as bank statements, accounts and managements. Funders nowadays have intelligent ways of lending money, from securing loans against asset free vehicles to lending against your average card transactions throughout the business.

By using a loan for working capital, you can free up cash for your business growth or expansion plans without relying on your invoices to raise finance.

It can also help seasonal businesses manage their cash flow during peak and low seasons. Any form of working capital or cash flow loan gives you the cash you need to meet your basic business expenses if something goes wrong and you need some time to recoup losses.

It’s also a great way to keep your company’s growth from getting out of hand, which is sometimes the case with rapid growth. You’ll have the cash you need to purchase inventory and pay for the staff you need to keep your business running smoothly while you grow.

Unsecured business loans are a type of funding that doesn’t require the business to put up any personally owned or business-owned assets up as collateral. This differs from secured business loans, which require the finance to be backed by an asset of some type.

Because no assets are secured against an unsecured loan, it’s a requirement in the majority of cases that the person taking out the loan, the borrower, has a good credit rating. Due to these types of loan having no security by way of assets, they tend to have a shorter repayment period with a higher rate of interest.

Unsecured loans are suitable for growing businesses in need of immediate money to expand or develop further. Smart Funding Solutions can help with unsecured business loans.

Advantages of an unsecured loan:

  • Smaller loan amounts – If you need only a small amount, such as £25,000, then an unsecured loan makes sense especially if you’ve got a property and don’t want to expose it to the risk of repossession. Lender will require you to sign a personal guarantee, opposed to asking for legal security against your property.
  • Flexible repayment periods – unsecured loans can have any repayment period, up to around five years. The longer the loan period, the lower the interest rate you’ll be charged on the loan.
  • Good for those already trading – as the loan is unsecured, the lender will assess it against your business’s trading position. They will also perform background checks such as your credit history, cash flow position, balance sheet and cash reserves.
  • Quicker to obtain – unsecured loans for small amounts are quicker to get approved, with fewer processes and legal headaches.
  • No property exposure – no need to put up property as security and few admin costs.

Working capital loans, are loans that fund everyday business operations. Businesses use working capital loans to cover things like payroll, rent and debt payments. This is a flexible loan option for small businesses that need cash quickly to cover immediate expenses.

Cash flow loans are similar to working capital loans, but they’re approved solely on your business’s past and future cash flow projections. You may not have to put up collateral and the approval process can take just a few hours. This a highly flexible loan compared to other business funding options, which require a fair number of hoops to jump through for approval.

Essentially, they can fall in both the unsecured and secured funding categories, depending on how much capital is needed and how quickly. Short term cash flow issues can quickly be resolved by way of an unsecured loan with a personal guarantee and long-term working capital can be achieved by way of securing a loan against any assets that you have.

We can look to achieve both working capital & cash flow loans with basic business information, such as bank statements, accounts and managements. Funders nowadays have intelligent ways of lending money, from securing loans against asset free vehicles to lending against your average card transactions throughout the business. Contact Smart Funding Solutions for further information on working capital and cash flow loans.

By using a loan for working capital, you can free up cash for your business growth or expansion plans without relying on your invoices to raise finance.

It can also help seasonal businesses manage their cash flow during peak and low seasons. Any form of working capital or cash flow loan gives you the cash you need to meet your basic business expenses if something goes wrong and you need some time to recoup losses.

It’s also a great way to keep your company’s growth from getting out of hand, which is sometimes the case with rapid growth. You’ll have the cash you need to purchase inventory and pay for the staff you need to keep your business running smoothly while you grow.

Call our friendly team - we're happy to help