Quantum Business Finance

Quantum Business Finance, commercial finance broker in the United Kingdom

Quantum Business Finance Limited is a company registered in England and Wales (Company No. 16915289) that acts as an intermediary between UK businesses and a network of over 50 commercial finance providers. The company does not lend money directly: its role is to compare offers from specialist lenders and support the client throughout the entire process, from the initial application to the disbursement of funds. It is also registered with the Information Commissioner's Office under ICO number C1907806.

Available finance products

The range of solutions covers various working capital and investment needs:

• Business loans: secured and unsecured funding from £10,000 to £5 million, with fixed or variable rates and terms tailored to cash flow.
• Factoring and invoice discounting: advance of up to 90% of the value of outstanding invoices within 24 hours, aimed at businesses that invoice other businesses.
• Working capital: short-term injections for operational expenses, demand peaks, or one-off purchases, with funding from three months.
• Asset finance and leasing: spreading the cost of vehicles, machinery, IT equipment, and specialist tools over terms of one to five years, with hire purchase and leasing structures.
• Merchant cash advance: funding linked to daily card sales, with no fixed monthly repayments, aimed at retail, hospitality, and e-commerce businesses.
• Commercial mortgages: bridging loans, development finance, and commercial property mortgages up to £5 million, with access to specialist property lenders.
• Secured finance: using business assets or property as collateral to obtain larger amounts and lower rates, even with an imperfect credit history.
• Revolving credit facilities: reusable lines that allow funds to be drawn down, repaid, and used again without applying for a new facility.

Application process and timelines

The procedure is divided into four steps. First, the client completes an online application of about 60 seconds that includes a soft credit check with no impact on credit score. Then, advisors search among more than 50 specialist lenders for the most competitive terms for each profile. Next, the client receives formal offers typically within 24 to 48 hours, managed by an assigned account manager who handles underwriting, compliance, and documentation. Finally, digital signing of the contract allows the capital to be received in the company's bank account, usually on the same working day.

Service model and coverage

The company states that it does not charge arrangement fees or hidden costs: its remuneration comes from the lender once the facility is completed. Each client has a named account manager, accessible by phone, email, and video call. Coverage extends to businesses in all regions of the United Kingdom, from London, Manchester, or Birmingham to the Scottish Highlands. The site shows an average rating of 4.9 out of 5 based on more than 500 reviews, with testimonials mentioning machinery leasing, working capital, and merchant cash advance facilities.

Client profile and stated terms

The service is aimed at UK limited companies seeking capital for growth, working capital, or asset investment. Available funding starts at £10,000 and can exceed £5 million. The advertised representative rate starts from 6.9% APR. The company presents itself as an alternative to traditional banking, with access to lenders that do not operate in the retail channel and with digital processes that avoid branch delays.

Location and contact

Unit B2, SouthMoor Business Park, Manchester, M23 9XS · Phone: 01925 351 347 · Email: contact@quantumbusinessfinance.com