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FundingLinks

Compare funding from 100+ lenders

Tell us what you need and we’ll help match your business with suitable finance options. No obligation.

  • 100+ lenders
  • Free to apply
  • No credit impact
Funded to date
500+
UK businesses since 2023
Choice
100+
UK funding partners
Trust
5.0
stars on Google
Simplicity
One.
secure portal, end to end
Invoice finance & business funding 100+ UK lenders compared SME funding, matched properly Check your eligibility

How it works

Four steps from enquiry to funded. We do the legwork, you stay focused on running your business.

  1. 1

    STEP 01

    Swift enquiry submission

    In 60 seconds

    Tell us what funding you need and share the key details online.

  2. 2

    STEP 02

    Track it in your secure portal

    Instant access

    Manage everything from your FundingLinks Hub, on desktop or mobile.

  3. 3

    STEP 03

    Expert-led advice

    Within 24 hours

    Our specialists do all the legwork and shortlist the right lenders for you.

  4. 4

    STEP 04

    Secure your funding

    Funded in days

    We help manage the process through to approval and payout.

Ready to start? Check funding options

Funding for SMEs

Specialist desks in invoice finance and other business loans, with a range of products across our lender panel for UK SMEs.

Invoice finance

Unlock cash flow tied up in unpaid invoices through confidential discounting, factoring or selective invoice finance.

  • Confidential invoice discounting
  • Factoring with credit control
  • Selective single-invoice and single-debtor
Explore invoice finance

Business loans

Compare secured and unsecured business loans, merchant cash advance and revolving credit across 100+ UK lenders.

  • Unsecured: £1,000 to £2,000,000
  • Secured: £10,000 to £50,000,000
  • Merchant cash advance and revolving credit
Explore business loans

We also broker

Asset finance Hire purchase and leasing for equipment, vehicles and machinery.
Supply chain finance Get paid early on approved invoices at your buyer's credit rate.
Trade finance Fund import, export and supply-chain transactions.
Merchant cash advance Funding repaid as a percentage of card takings.
Revolving credit facility Flexible credit facility, draw and repay as needed.
Property finance Bridging, development and commercial mortgages.

Your application hub

Track every step in your secure client portal

When you start an application, you get access to a dedicated FundingLinks Hub. Track progress in real time, upload documents securely, manage team access, and pick up where you left off on any device.

  • Real-time application progress
  • Secure document upload
  • Team member access
  • Works on desktop and mobile
Check funding options
FundingLinks application hub shown on laptop and mobile

Case studies

Real funding outcomes for growing UK businesses

A selection of recent funding challenges we have helped clients solve, across invoice finance, asset refinance, unsecured lending and supply chain finance.

  1. Case study 1

    Confidential funding for facilities management contracts

    Sector
    Internal building works and maintenance
    Turnover
    £3.5m turnover
    Facility
    £300k invoice discounting limit and £210k loan
    Read case study

    The challenge

    The client needed a confidential funding solution to support facilities management contracts. They required both Confidential Invoice Discounting and a business loan, while protecting client relationships where customers preferred not to work directly with an invoice finance company.

    The solution

    FundingLinks arranged a bespoke Confidential Invoice Discounting facility to support the growing workload, alongside an additional cash flow loan. The structure kept the funding discreet, so existing client relationships could continue without disruption.

    The outcome

    The client secured a £300k Confidential Invoice Discounting limit and an additional £210k loan, giving them the working capital to fulfil increased contract demand without losing operational momentum.

  2. Case study 2

    High-LTV asset refinance for an acquisition

    Sector
    Drainage contractor
    Turnover
    £4m turnover
    Facility
    £1.3m asset refinance at 103% LTV
    Read case study

    The challenge

    The client had an opportunity to acquire another business, but did not have the free cash flow to fund the purchase. They owned a large fleet of unencumbered assets, but the required funding needed to exceed 100% LTV and the timeline was tight.

    The solution

    FundingLinks structured a £1.3m asset refinance deal at 103% LTV, using the client's unencumbered assets to release the acquisition cash required. The facility was secured without personal guarantees.

    The outcome

    The client completed the acquisition within the required timeframe, strengthened their market position and expanded their capabilities without compromising speed or control.

  3. Case study 3

    Supply chain finance for rapid expansion

    Sector
    Higher education provider
    Turnover
    £32m turnover
    Facility
    £3.5m supply chain finance facility
    Read case study

    The challenge

    The client was growing rapidly and targeting £250m turnover by 2028, but student fee payments arrived only three times a year. That created cash flow gaps while the business was expanding operations and acquiring new properties.

    The solution

    FundingLinks secured a £3.5m supply chain finance facility tailored to the client's growth plans, providing liquidity to manage expansion and continue purchasing properties without restricting investment.

    The outcome

    The client now has a stronger cash flow strategy, with the flexibility to manage seasonal revenue fluctuations while continuing to scale its education provision.

  4. Case study 4

    A larger unsecured loan on more flexible terms

    Sector
    Management consultancy
    Turnover
    £20m turnover
    Facility
    £500k unsecured business loan
    Read case study

    The challenge

    The client needed to bridge a £500k cash flow gap over six months. They already had a £380k offer, but it carried a high interest rate, rigid repayments and did not provide enough funding.

    The solution

    FundingLinks secured a £500k unsecured business loan and negotiated with a lender that would not usually offer early repayment options. The facility allowed repayment from month six, avoiding early repayment penalties.

    The outcome

    The client gained an additional £120k in funding, halved the interest rate compared with the original offer and secured the breathing room needed to manage growth on better terms.

  5. Case study 5

    Selective invoice finance for UK and US growth

    Sector
    SaaS platform
    Turnover
    £4m turnover
    Facility
    £500k selective invoice finance facility
    Read case study

    The challenge

    The client invoiced 12 months in advance for its software, which meant traditional invoice finance was not a viable fit. They needed flexible access to capital and a facility that could support both UK and US entities.

    The solution

    FundingLinks secured a £500k selective invoice finance facility, allowing the client to unlock capital against invoices from blue-chip customers as needed. The lender also approved the client's US entity.

    The outcome

    The client gained working capital to support expansion in both the UK and US, while maintaining the flexibility to draw funding selectively as growth opportunities arise.

What our clients say

Real businesses, real outcomes. Read the latest from our Google reviews.

5.0 Based on 26 Google reviews Read our Google reviews

  • “The team at FundingLinks are brilliant to work with. They take exceptional care of their clients and work closely with us to drive the optimal solution every time. In particular, Sam Wells has been instrumental with a number of clients recently, ensuring that funding is delivered quickly and easily.”

    Craig Flyger
    4 months ago, Google review

  • “Funding Links provided an excellent invoice finance service for my business. Great guys who know their stuff and gave me a clear direction for funding. Would highly recommend.”

    Joe Harulow
    4 months ago, Google review

  • “Sam is absolutely amazing. Always available and goes above and beyond. He truly understands what a business needs and works with u to ensure the gets the best deal in the shortest time. Thank u Sam and all the team at Funding Links. ☺️”

    Admin 3V Recruitment
    4 months ago, Google review

  • “Excellent service from Chris and Sam. They recently helped us secure an invoice finance facility and provided great advice and guidance throughout the process. I would highly recommend using their services.”

    Andrew Ford
    8 months ago, Google review

  • “Great company with a fantastic team. Very reliable, honest, and trustworthy. If you want to take the headache out of anything funding-related, Funding Links is the company to go to.”

    Ivan Kennedy
    a month ago, Google review

  • “As a business, we work with clients all around the world. Chris and Sam played instrumental roles in identifying a tailored solution for our export projects. We wholeheartedly recommend FundingLinks to any business seeking effective and personalised funding solutions.”

    Mike
    Mike
    Furniture Design

  • “I couldn’t be happier with the exceptional service provided by FundingLinks. Their dedicated team worked tirelessly to secure the funding my business needed, and the process was swift and efficient. I highly recommend them.”

    Kate
    Kate
    Yoga Retreats

  • “Construction is a difficult industry to navigate at the best of times, especially when it comes to sourcing funding. FundingLinks made the process seamless which allowed me to focus on running the business and not worrying about my cashflow.”

    Mark
    Mark
    Civil Engineering

  • “After working with Chris and Sam for a combined total of 17 years, I wholeheartedly recommend their expertise to any business owner. Their extensive experience in the industry ensures that, as a business owner, you can trust them to identify the optimal solutions tailored to your specific needs.”

    Anil
    Anil
    Fintech Founder

Reviews provided by Google. Read our Google reviews.

A note from the founders

Twenty-five years on the inside, now on yours.

We spent over twenty-five years on the inside, building, launching and scaling lending products at one of the UK’s biggest invoice finance and loans providers.

We started FundingLinks because we wanted brokerage done with the same product knowledge an SME would get if they were inside the room. Independent of any one lender, sharp on what they’ll qualify for, involved through to drawdown.

Chris and Sam, Directors

Check funding options Read more about us
Chris Findlow, Director
Chris Findlow
Director
Sam Wells, Director
Sam Wells
Director

Our mission

Bridging the funding gap for UK SMEs

Our mission is simple: to build long-term relationships with fast-growth SMEs by giving them access to competitive funding, supporting each stage of their journey, whenever it is required.

  • Long-term relationships

    We back businesses across their journey, not just their first deal.

  • Genuine choice

    100+ UK lenders compared so SMEs see the whole market, not a panel of three.

  • Support at every stage

    From early-stage cashflow to scaling growth, we help when it matters.

Manufacturing funding Manufacturing
Hospitality funding Hospitality
Technology funding Technology
Retail funding Retail
Construction funding Construction
Recruitment funding Recruitment

Find the right funding for your business

We compare 100+ UK lenders, from major banks to specialist invoice and asset financiers. Tell us what you need, we’ll match you to the right partner on the right terms. No obligation.

No obligation. No impact on your credit score.

No obligation or credit score impact to apply