We provide short-term funding solutions for SMEs and lower mid-market businesses through two main products: Gap Funding and Supplier Financing.

We work with UK-based limited companies that have established trading history, meet our minimum revenue thresholds, and can provide a personal guarantee.

We aim to provide decisions within 24–48 hours. In many cases, funds can be released shortly after approval.

Both. We work with a trusted network of commercial finance brokers and also welcome direct applications from businesses.

All facilities require a personal guarantee. Additional security may be considered depending on the structure and size of the facility.

Yes, early repayments are allowed and we won’t charge you for it. Many customers choose to settle early depending on their cash flow needs.

We only do soft credit checks, it has no impact on your credit score. As part of our due diligence we assess creditworthiness alongside other business performance metrics.

Yes, many of our clients use our facilities on a recurring basis, subject to performance and ongoing eligibility.

If you're a commercial finance broker, you can contact us directly to discuss onboarding and receive our broker pack.

You can find more detail about each product on our dedicated Gap Funding and Supplier Financing pages, or by contacting our team directly.

If you’re experiencing cash flow issues due to late payments from your own customers, it’s crucial that you get in touch with us immediately. We understand that these situations can arise and are here to work with you. Together, we can agree on a revised repayment approach and find a way to manage any shortfall until your cash flow improves.

It’s always best to speak to your lender before any payments are missed or returned, no matter who you have a facility with. Open communication can help prevent extra costs like bank fees and protect your business credit profile. A missed payment could impact your ability to access finance in the future. While every lender handles things differently, ignoring the problem often limits your options — early engagement gives us the best chance to support you constructively.

Yes, we do request a Personal Guarantee. This is a legal commitment made by a company director or business owner, agreeing to personally repay the facility if the business is unable to meet its obligations. In the event of default, the lender has the right to recover the outstanding amount from the guarantor’s personal finances or assets.

While providing a Personal Guarantee doesn’t impact your personal credit rating upfront, any failure by the business to repay the loan could affect its credit profile. It’s important to fully understand this responsibility before agreeing to such terms.

No, it won’t. We only carry out what's known as a ‘soft’ credit check. This type of check gives us a basic overview of your credit history to identify any potential issues, but it doesn’t leave a mark on your credit report or affect your score.

For more details on how soft checks work, you can visit: https://www.experian.co.uk/consumer/guides/searches-and-credit-checks.html

We don’t require applicants to own a home. While some long-term lenders may ask for this due to the extended risk over several years, our short-term funding does not depend on whether the business owners or directors are homeowners.