Shire Funding Solutions

Shire Funding Solutions: SME funding through brokered and own-book lending

Shire Funding Solutions is the trading name of Shire Securities Limited, a company registered in England that operates as a credit broker authorised and regulated by the Financial Conduct Authority under firm reference number 691855. The business positions itself as a funding partner for UK small and medium-sized enterprises, combining its own lending book with brokered solutions sourced from an external network of funders. According to the company, this dual approach allows it to move quickly on applications while offering a wider choice of lenders and rates.

The firm states that it has secured loans for thousands of business customers and cites more than 20 years of experience helping businesses. Its stated focus is on understanding the goals behind each funding request rather than treating applications as a purely administrative process.

Lending products available

The product range covers both debt and payment infrastructure, which distinguishes it from brokers that only arrange straightforward loans:

• Unsecured business loans: the company indicates that approval can be obtained in four hours and that it can source all types of unsecured funding.
• Secured business loans: funding arranged against a UK property with a first, second or third charge registered on the asset.
• Merchant cash advance: capital raised against future credit and debit card sales.
• Merchant services: sourcing of payment terminals and EPOS systems.
• Commercial mortgages: support for property purchase or remortgaging, with the company finding a suitable lender.
• Property development finance: funding for projects and developers across a variety of schemes.
• Bridging loans: listed among the solutions in the company's own FAQ.

Borrowing limits and eligibility criteria

The broker sets out concrete parameters for its broking service. Lending limits reach up to £750,000 for unsecured borrowing and £1 million or more for secured loans, commercial mortgages and merchant cash advances. Applicants must be limited companies, partnerships or sole traders that have been trading for at least 12 months, with annual turnover above £50,000 and no defaults, CCJs or active bankruptcies. The documentation required consists of an application form, six months of bank statements and the latest set of financial accounts.

On cost, the company states that lender fees vary from 3% up to 11% of the loan amount. It also notes that not all product types it offers are regulated by the FCA.

Speed as the central proposition

The company frames its service around turnaround time, promising funds within four hours for approved unsecured business loans and describing a straightforward application process without heavy administration. It presents its network of funders as the mechanism behind both faster decisions and more competitive pricing, and describes its blend of brokered and own-book funding as what allows it to act quickly when clients face tight deadlines.

Reputation and customer feedback

Shire Funding Solutions refers to thousands of UK businesses served and states that it is rated 'Excellent' on Trustpilot. The testimonials reproduced on its site highlight speed of response and personal attention from named staff, with one client describing the process from start to finish as simple and another awarding a 100/100 score for customer service. These are individual accounts published by the company rather than an independent assessment.

Corporate details

Shire Securities Limited is registered in England under company number 05881283. Its registered office and trading address is 1 Calico Business Park, Sandy Way, Tamworth, Staffordshire, B77 4BF. The company operates under the Shire Funding Solutions name and is authorised by the FCA as a credit broker.