The Funding Store

The Funding Store: business finance with access to over 100 lenders

The Funding Store is a UK-based finance brokerage that positions itself as an intermediary between SMEs and a broad network of lenders. Its proposition focuses on comparing offers from over 100 financiers so that clients can choose the one that best suits their needs, with an application process the company describes as fast and with no initial search fee.

Finance products

The firm's catalogue covers various types of business finance:

• Unsecured business loans, aimed at cash flow, growth and seizing opportunities.
• Secured loans, with flexible repayment options.
• Asset finance to spread the cost of equipment, machinery or vehicles.
• Asset refinance, to release capital tied up in assets already owned.
• Factoring and invoice discounting, which turn outstanding invoices into immediate cash.
• Revolving credit facility, with the possibility to draw, repay and draw again up to an agreed limit, paying interest only on the drawn balance.
• Merchant cash advance, repaid through a percentage of future sales.
• VAT and tax loans, which allow spreading the payment of tax obligations.
• Vehicle finance, including cars and motorhomes.
• Trade finance for domestic and international operations.
• Property finance, for both commercial spaces and residential projects.
• Growth Guarantee Scheme, a guarantee programme that seeks to boost lender confidence and facilitate access to finance.

Application process and timescales

The process described by the company consists of four steps: the client submits basic information about their business and needs, a team member contacts them to gather further details and tailor the application, the available conditional offers are presented and, once the documentation is accepted and signed, funds can arrive the same day. The firm indicates that instant decisions and same-day funding are subject to the product and the lender.

The funding range shown on the website goes from £10,000 to £10 million. The company states that instant decisions are available up to £250,000, subject to the lender, and that each client has a dedicated account manager as a single point of contact throughout the process.

Client profile and sectors

The firm targets small businesses that need access to finance at the right time. Among the common uses it mentions are working capital, purchasing stock, equipment, hiring, refurbishments, expansion and project mobilisation. The website includes a section on the sectors it finances, although it does not detail which ones in the available material.

Differentiating points according to the company

The Funding Store highlights several aspects of its operation: access to some of the UK's leading financial institutions, with rates it describes as competitive; a selective approach that avoids multiple credit searches by approaching only the right lenders; no initial charges, as it only earns if the client accepts an offer; and a willingness to coordinate with the client's advisers, such as accountants, independent financial advisers or lawyers. The company states it is registered with the NACFB (National Association of Commercial Finance Brokers) and fully authorised and regulated.

FAQs and resources

The website includes an FAQ section covering types of finance, uses, terms, need for security, how asset finance works, differences between factoring and invoice discounting, and features of the revolving credit facility. It also publishes a blog with articles on topics such as late payments, corporation tax finance, the Growth Guarantee Scheme, VAT finance for the hospitality sector and comparisons between asset finance and equipment loans.

Location and contact

Phone: 01908 880420 · Email: info@thefundingstore.co.uk