TopFunding

Find Out How Much Funding Your Business Could Qualify For  In Just 25 Seconds. No hard checks

One short form puts your business in front of a panel of UK lenders. See the offers you actually qualify for — then decide in your own time.

How much does your business need?

Pick a figure to start — you can fine-tune it on the next screen.

256-bit encrypted · Your details are never sold on
£5k–£500kFunding range
40+UK lenders on panel
24 hrsTypical time to funds
10,000+Businesses helped

Three steps

From first click to money in the bank

No branch visits, no five-year forecasts, no chasing a relationship manager who never calls back.

1

Tell us what you need

Amount, purpose and a few details about the business. It takes about two minutes and there is no credit check at this stage.

~2 minutes
2

We match you to lenders

Your profile is run against our panel so you only see the products your business realistically qualifies for — not a generic list.

Same day
3

Choose and get funded

Compare the offers side by side, ask us anything, then accept the one that suits. Funds can land within 24 hours of approval.

24–72 hours

Funding types

The right product for the job

Different needs call for different structures. Here's what our panel covers.

Unsecured business loans

Borrow against the strength of the business, not your property. Fixed terms, fixed repayments, nothing pledged as security.

£5k–£500k3 months–6 yearsNo collateral

Merchant cash advance

Repay as a small slice of each card transaction. Quiet month, smaller repayment — ideal for hospitality and retail.

Card takingsFlexible repaymentNo fixed term

Invoice & asset finance

Release the cash sitting in unpaid invoices, or spread the cost of vehicles, plant and equipment over its working life.

Up to 90% of invoiceAsset-backed

Business credit lines & cards

A facility that sits there until you need it. Draw down, repay, draw again — you only pay for what you actually use.

RevolvingPay for what you use

Been turned down before? Read this.

A dip in your credit file doesn't end the conversation here. Several lenders on our panel weight recent trading performance far more heavily than historic scores — which is exactly why it's worth checking rather than assuming.

All credit profiles consideredSoft check only

The difference

TopFunding vs. your high-street bank

Same goal, very different experience.

 High-street bankTopFunding
Time to a decision 3–6 weeks Minutes
Paperwork up front Business plan, forecasts, full accounts A short form and recent bank data
Credit requirements Near-perfect file, often secured Trading performance weighted too
Number of lenders seen One 40+ on one application
Impact of enquiring Hard search on application No footprint to see your options
Cost to you Arrangement fees Free — lenders pay us

Reviews

What UK business owners say

Applied on the Monday evening after service, had the funds cleared by Wednesday lunchtime. I'd budgeted a month for it.
SM
Sarah M.Restaurant · Birmingham
£40,000
Two vans went at once and the bank wanted a forecast. TopFunding wanted six months of statements. Guess which one got the vans back on the road.
MJ
Marcus J.Logistics · Glasgow
£95,000
I'd written myself off because of an old default. They found a lender who looked at what the salon turns over now, not what happened in 2019.
RW
Rachel W.Hair salon · Bristol
£25,000

FAQs

Questions worth asking first

No. Seeing your indicative options uses a soft search only, which is visible to you but not to other lenders and does not affect your score. A hard search is only ever run once you decide to proceed with a specific lender — and you'll be told before that happens.
Nothing. There is no fee to apply, compare or speak to us. We're paid a commission by the lender if you go ahead, which does not increase the cost of your facility.
Your details are matched against our lender panel straight away. You'll get an email confirming what we've found, and a funding specialist will call to talk through the options and what each lender will need to complete.
Yes — it's one of the most common reasons people come to us. Bank criteria are narrow and a decline there says very little about what a specialist lender will do. We'd always rather you checked than assumed.
Not at all. Offers are indicative until you sign, and you're free to walk away at any point at no cost. Plenty of businesses check their options, then sit on them for a quarter.
For the initial form, nothing more than a rough turnover figure and your company details. If you progress, most lenders ask for the last 3–6 months of business bank statements.

See what your business qualifies for

Two minutes now could be £50k in the account this week. No credit impact, no obligation, no cost.

TopFunding

Independent business finance brokerage matching UK companies with funding from a panel of 40+ lenders.

TopFunding is a credit broker, not a lender. [Company name] Ltd, registered in England & Wales, company number [00000000]. Registered office: [address]. Authorised and regulated where required — insert your FCA firm reference number here before going live. We may receive a commission from lenders when a facility completes; this does not affect the amount you repay. Business finance is subject to status and lender criteria. Not all products are regulated by the Financial Conduct Authority.

© 2026 TopFunding. All rights reserved.

No impact on your credit score
TopFunding Secure application
Question 1 of 520% complete

What do you need the funding for?

Pick the closest match — it points us at the right lenders.

Pick a purpose to continue

How much do you need?

A ballpark is fine — you can adjust it later with your specialist.

or enter an exact figure
£

Choose a range above or enter £5,000–£500,000

How long would you like to repay over?

A best guess is fine — nothing here locks you in.

Choose a repayment term

About the business

This is what decides which lenders are a realistic fit.

Enter your business name

How is it set up?

Choose a business type

How long has it been trading?

Choose how long you've traded

Approximate is fine. Most lenders look for £10,000+ per month.

£

Enter your approximate annual turnover

Do you take card payments?

If you do, merchant cash advance may be an option.

Let us know either way

When do you need the money?

Choose a timescale

Last step

We need these to verify your identity and match you to lenders. Still no credit impact.

Enter your first and last name

Enter a valid email address

🇬🇧 +44

Enter a valid UK mobile number

Do you own your home?

Homeowners typically unlock a wider set of lenders.

Let us know either way

Used for identity verification only. No credit impact.

Enter a valid UK postcode

Date of birth

Required by lenders for identity checks.

Enter a valid date of birth (18+)

Please accept the privacy policy to continue

By submitting, you understand that your details may be shared with lenders and finance partners on our panel for the purpose of assessing your eligibility. Some partners may run a soft search on your personal credit file — this does not affect your credit score. A visible mark is only recorded on your commercial file once you sign a credit agreement. Partners may contact you directly about the outcome and next steps, and you can withdraw or close your application with any of them at any time.

Application received

We're running your business against our lender panel now.

  • A confirmation email is on its way to you.
  • A funding specialist will call you within one working hour.
  • Have 3–6 months of business bank statements handy to speed things up.
256-bit secure No credit impact