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Find the perfect funding solution for your
business

Find the perfect funding solution for your business

Begin exploring your funding options by completing our online form, telling us more about your business and funding requirements along with uploading some basic financial information.

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Choose Smart Funding Solutions

Secure Finance for UK Professions Using Our Wealth Of Experience

At Smart Funding Solutions, it’s our aim to make business funding accessible to all business types.
We specialise in matching you with the right funding company, for the type of funding your business needs.

We compare a panel of trusted UK lenders

A tailored and transparent service

Our indicative terms are designed to give you a rough idea of the options available to you
without submitting a full application

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Credit score friendly

Our indicative terms are designed to give you a rough idea of the options available to you without submitting a full application

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Clear, fast & fair

We will always supply your personalised indicative terms within 24 hours, with no obligation to proceed and no hidden fees

expert advice

Expert Advice

Our team of advisors have years of knowledge and expertise in the commercial finance industry, matching clients with their ideal lender and product, seamlessly every day

Whole of Market

Whole of market

We have a whole of market lending panel with over 300 lenders, this allows us to offer multiple products at the most competitive interest rates

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Zero broker fees

Smart Funding Solutions are a free to use service, we don’t charge for you to utilise our industry expertise and knowledge

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Simple solutions

The information we provide is clear and concise, allowing you to take the time to make informed borrowing decisions that best suit your business

What our Clients say about us

Martin LewisMartin Lewis
11:35 26 Feb 24
Excellent company that provided funding options quickly. The deal we received was exactly what we needed.
Kate MennissKate Menniss
06:58 26 Oct 23
A very quick and efficient service from Simon. The whole process was streamline and extremely easy. Would highly recommend
Sahir ShaikhSahir Shaikh
09:38 18 Oct 23
Craig DouglasCraig Douglas
15:25 25 Sep 23
Craig goes out his way to fund you the best deal and is on top form. Thank you for all your support
Nita JujNita Juj
07:49 09 Sep 23
Jon NewcombeJon Newcombe
16:02 24 Jul 23
Simon was excellent throughout the process. He knows his stuff and is easy to deal with.
Doris BrandwoodDoris Brandwood
14:07 01 Jul 23
I manage the VFO department at Walji & Co Accountants and contacted Simon on behalf of one of my clients who had a unique situation that made him appear unsuitable for finance. I had a chat with Simon and he got straight onto the case and found a fantastic finance deal which allows my client to take his business to the next level.Communication was great and finance that appeared unattainable sorted within a short period of time. This is the kind of service I am happy to recommend to my clients with finance needs.
country homescountry homes
11:43 09 May 23
I contacted Smart Funding Solutions in order to apply for a VAT funding loan. Simon Palmer the Director responded within half an hour of my request and was able to confirm funding within a 24 hour period. It is the first time I have had to apply for funding owing the a short term cash flow problem, he made the journey so easy, was kind and highly efficient. I would highly recommend Smart Funding Solutions for a fast, professional service. 5* Frances Atkinson Director.
We were looking for financing new equipment. Simon at Smart Funding is excellent, objective driven without the horrendous form filling of your usual High Street bank. Whole thing took just a few days.
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Want to find out more or apply?

Contact options:

Enquiry Form

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!

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.

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A business loan is a financial product that provides funds to businesses for various purposes, such as expanding operations, purchasing equipment, managing cash flow, or investing in marketing efforts.

Various types of businesses can apply for a business loan, including sole traders, partnerships and limited companies.

This will depend on several factors: time trading, financial accounts, affordability, creditworthiness, current obligations and the security on offer.

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The approval timeline can vary depending on the lender and the complexity of the loan application. Some lenders offer quick online applications with approval decisions in as little as a few hours, while others may take several days or weeks for a decision.

Business loan repayment terms can vary widely depending on the lender and the purpose of the loan. They can range from short-term loans (less than a year) to medium-term (1-5 years) or long-term loans (5+ years).

Interest rates on business loans can vary based on factors such as the borrower’s creditworthiness, the lender’s policies, market conditions, and the type of loan. Rates can be fixed or variable, and it’s advisable to shop around for competitive rates.

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The specific documentation required may vary depending on the lender, but commonly requested documents include financial accounts, bank statements, VAT returns, and cash flow forecasts.

Lenders typically consider factors such as the business’s creditworthiness, revenue and cash flow, collateral (if applicable), the personal credit history of the business owners, and the purpose of the loan.

A secured business loan requires collateral, such as property or equipment, to secure the loan. In contrast, an unsecured business loan does not require collateral but may have higher interest rates due to the increased risk for the lender.

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

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.

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Yes, there are alternative financing options like lines of credit, invoice financing, equipment financing, crowdfunding, and business credit cards. Each has its own unique requirements and benefits, so it’s important to explore different options.

There are many options when it comes to business loans for new start-ups. From government backed loans, secured loans, equity investments and grants. Deciding which route to go down will depend on the amount you’re looking to raise.

Yes, business loans can be used to fund the start-up costs of a new business, such as equipment, inventory, marketing, or lease expenses. However, lenders may require additional documentation and evaluate the viability of the business plan.

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.

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