Business Funding,
Without the Fuss.
Tell us what you need and we'll line up finance partners that fit — it takes about 2 minutes.
Find the right funding
- Business Loans£10k – £1m
- Invoice Finance£20k – £5m
- Asset Finance£1k – £5m
- Bridging Loans£25k+
- Development Finance£250k+
- Merchant Cash Advance£5k – £500k
- Business Credit Cards£500 to £250k
Free to use. No obligation.
Selected finance partners include
Three steps, no fuss
From first question to comparing options — here's the whole process.
Tell us what you need
One short check — about 2 minutes. No 40-page business plan, no forecasts.
We line up partners that fit
We match your business with finance partners from our panel based on how you actually trade.
You compare and choose
Clear options, your decision, your pace. Walk away free at any point.
Find the right fit for your business
Different goals need different funding. Compare the options and start a 2-minute check.
- Business Loans£10k – £1m
- Invoice Finance£20k – £5m
- Asset Finance£1k – £5m
- Bridging Loans£25k+
- Development Finance£250k+
- Merchant Cash Advance£5k – £500k
- Business Credit Cards£500 to £250k
Business Loans
£10k – £1mA lump sum with predictable repayments you can plan around — for growth, stock, hires or refurbishment.
Invoice Finance
£20k – £5mRelease cash tied up in unpaid invoices instead of waiting 30, 60 or 90 days for customers to pay.
Asset Finance
£1k – £5mSpread the cost of vehicles, machinery or equipment — the asset itself usually acts as the security.
Bridging Loans
£25k+Short-term property finance for purchases, auctions, refinance, chain breaks and light refurbishments.
Development Finance
£250k+Funding for ground-up developments, conversions, heavy refurbishments and property projects.
Merchant Cash Advance
£5k – £500kRepayments that flex with your card takings. Quieter month, smaller repayment.
Starts with the business-loan check
Business Credit Cards
£500 to £250kFlexible spending power for everyday business costs, with interest only on what you use.
The bank way vs the Fred way
Same goal — a very different experience.
The bank way
- Weeks of waiting3–6 weeks for a decision, if you get one
- Heavy paperworkBusiness plans and forecasts before anyone says hello
- Strict criteriaPerfect credit often needed
Typical wait for a bank decision: 3–6 weeks.
The Fred way
- One short checkAbout 2 minutes, not weeks of waiting
- Do it from your phoneNo branch appointments, no printing
- Judged on how you tradeWe look at your business today, not just its history
Who is Funding Fred?
Funding Fred was built on a simple frustration: watching good businesses wait weeks for a bank to say no. We think finding business finance should be quick, clear and human.
Fred is the straight-talking funding guide we wish every business had — plain English, quick answers, no pressure. Behind him is a small UK team who line up finance partners from our panel, while you stay in control at every step.
“Good businesses shouldn't wait six weeks for a ‘no’. That's the whole reason Fred exists.”
— Fred, Funding Fred
Funding Fred is an introducer, not a lender.
Ask Fred
What's best for seasonal sales?
If your sales move with the seasons, a merchant cash advance can be a good fit — repayments track your card takings. Quieter month, smaller repayment: that's the whole idea.
Do you offer unsecured loans?
Many of our finance partners offer unsecured options, so property security isn't always required. What's available depends on your business circumstances — the 2-minute check is the quickest way to find out.
Can I finance equipment?
That's asset finance. The equipment itself usually acts as the security, which keeps your working capital free for the day-to-day.
Is there a hard credit check?
Checking your options with Funding Fred doesn't involve a hard credit search. Finance partners may run soft searches, and fuller checks only happen if you choose to proceed.
Prefer a person? Talk to a real human
What business owners tell Fred
From businesses matched with funding through Fred.
“Applied on a Monday evening, had funds by Wednesday.”
Sarah M.
Restaurant, Birmingham
“Straightforward and fast. Matched to a lender that actually fit.”
Daniel K.
Logistics, Leeds
“No pushy calls, just clear options. Exactly what I needed.”
Priya R.
Retail, Manchester
Frequently asked questions
Clear answers before you check eligibility.
Funding, without the fuss — ready when you are.
Check your options in about 2 minutes.
Check eligibilityStart with the right kind of funding
Six practical guides covering the main routes UK businesses use. Begin with the comparison, then go deeper on the option that fits your plans.
Compare funding
How to Compare Business Loans in the UK: Rates, Fees and Terms
To compare business loans properly, look past the headline rate: check the total amount repayable, arrangement and exit fees, term length, whether a personal guarantee is required, and how fast the funds arrive.
Read the comparison