Business Loans up to £1,000,000 for UK SMEs
Flexible business loans from Fundify Funding helps UK SMEs compare and inquire short-term funding, unsecured business loans, and working capital finance from £1,000 to £1,000,000 through a single broker enquiry.
How much do you need?
Business Funding Options Built Around Cashflow
Compare funding routes for working capital, short-term borrowing, and unsecured business finance without applying to each lender separately. When you are ready, start a funding application.
Unsecured Business Loans
Business funding without using property, vehicles, or equipment as security. Suitable for growth, stock, cash flow, or unexpected costs.
- £1,000 - £1m
- No asset security required
- Broker-matched lenders
Working Capital Finance
Support day-to-day trading needs such as payroll, supplier payments, tax bills, or seasonal stock.
- Cashflow support
- Short-term needs
- Lender criteria review
Short-Term Business Loans
Bridge temporary funding gaps or act on time-sensitive opportunities with clear repayment terms.
- Fast broker review
- Planned repayments
- Six months statements
Secured Business Loan
Explore funding backed by eligible business assets, with the security, affordability, and repayment terms considered together.
- Asset-backed options
- Security terms vary
- Compare lender criteria
Lenders We Work With
Our lending panel includes names such as the providers below. Availability depends on lender criteria, your business profile, affordability, and document review.
When short term business loans can help
Short-term business loans are usually considered when a business has a defined funding need and a realistic repayment route. Common examples include buying stock before revenue arrives, covering a temporary cashflow gap, funding a time-sensitive project, or managing supplier payments while customer invoices are outstanding.
Fundify Funding helps compare lender options rather than presenting one fixed product. That matters because lender criteria can vary by sector, turnover, trading history, bank statement conduct, and the reason for borrowing. A broker-led review can help identify whether an unsecured business loan, working capital finance, or another short-term facility is the better fit.
If speed is the priority, explore fast business loans for same day and short-term funding options.
Choosing the right business loan
The right facility starts with the reason you need funding and the way your business expects to repay it. A business loan can help bring forward a planned investment, manage a temporary timing gap, or spread a cost over a period that fits expected cash flow. Before comparing offers, write down the amount required, when the funds are needed, what they will pay for, and where repayments will come from. This gives a lender a clearer picture of the request and helps you assess whether borrowing is proportionate to the need.
A short-term facility may suit a specific, temporary need with a clear repayment route. Working capital finance may be more relevant when ordinary trading creates a gap between paying costs and receiving customer payments. An unsecured business loan does not require a particular asset as security, although lenders still assess the business and may ask directors for guarantees or other commitments. Product names and terms differ between providers, so check the actual agreement rather than relying on the label alone. Fundify Funding can review the request and introduce options where the business and lender criteria appear to fit.
What to compare before accepting an offer
The headline amount is only one part of a finance offer. Compare the total amount of repayment, the payment amount and frequency, the length of the agreement, and any fees. Check whether the rate is fixed or variable, whether repayments change over time, and whether there are charges for missed payments or early settlement. Ask how quickly funds are expected to arrive after approval and whether that timing depends on further checks or documents. These details can affect the real cost and practical fit of borrowing.
Consider repayments alongside existing commitments and your normal operating costs. A payment that appears manageable in a strong month may put pressure on cash flow during a quieter period. Review a realistic forecast that includes payroll, rent, tax, suppliers, and other borrowing. If income is seasonal or relies on a small number of customers, factor that pattern into the repayment plan. Take time to read the full agreement, ask about anything unclear, and make sure the business can meet the obligations before accepting. Comparing these points helps you weigh speed and flexibility against cost and commitment.
Preparing a business loan enquiry
A well-prepared enquiry makes it easier to understand the request and identify what a lender may need next. Be ready to describe what the business does, how long it has been trading, the amount sought, and the intended use of funds. Explain any important timing, such as a supplier deadline, contract start, or expected customer payment. If the request supports growth, outline how the investment is expected to benefit the business and how repayments fit the forecast.
Recent business bank statements are commonly requested, often covering the last six months. Lenders may also ask for company registration details, director information, identification, management accounts, tax information, or details of existing borrowing. Requirements vary, and additional documents may be requested after an initial review. Keep records accurate and make sure the people named on the application understand the enquiry. Start an application when you are ready to share your details.
How the broker process works
Fundify Funding is a brokerage, not a lender. The process begins with an enquiry about the business, its funding purpose, and the amount and timing required. The team reviews the information provided and considers which lender routes may be relevant. If more detail is needed, it may be requested so that the application can be presented clearly. Where a suitable route is available, the enquiry can be introduced to a lender for its own assessment and decision.
Each lender makes its own decision, sets its own terms, and may carry out checks before making an offer. An enquiry or broker review does not guarantee approval, a particular rate, or a funding date. If an offer is made, review the documents and ask questions before deciding whether to proceed. You remain responsible for choosing whether the facility is suitable for your business. To discuss a specific situation, contact the Fundify Funding team before submitting an application.
Use borrowing with a clear repayment plan
Borrowing is most useful when it supports a defined business purpose, and the repayment plan has been considered in advance. Estimate the full cost of the project or cashflow need, including any associated fees, and avoid requesting more than the business can use productively. Map expected repayments against cash coming into the business, allowing for normal fluctuations and unexpected costs. If the facility is intended to bridge a gap, identify the event that should close that gap and consider what you would do if it arrived later than expected.
Existing finance should also be included in the picture. List current balances, payment dates, and any upcoming changes to commitments. This helps you consider the combined monthly burden instead of looking at a new payment in isolation. If the figures feel tight, revisit the amount, timing, or proposed use of funds before proceeding. A lender or broker can explain the application process, but only the business can judge how a commitment fits its plans and risk tolerance. Explore our guide to revolving credit and term loans for another perspective on matching a funding structure to the need.
Am I Eligible?
We review your business profile against lender criteria before recommending suitable next steps. Requirements vary by lender, but these details usually matter. For more preparation advice, read our business finance guides.
Business Trading
Most lenders want to understand how long the business has been operating and how revenue is generated.
Bank Statements
Six months of business bank statements are normally required for lender review.
Affordability
Funding options are shaped by turnover, cash flow, existing commitments, and repayment ability.
Frequently Asked Questions
Ready to find the right funding?
Start one enquiry for unsecured business loans, working capital finance, or short-term business funding.