Before taking business funding, get clarity on what actually fits your business.
FCA-authorised, lender-agnostic business funding specialists.
We assess your situation and structure funding aligned to your cash flow and objectives — so it still works beyond approval.
What This Review Gives You
A clear view of viable funding options
Understanding how repayments affect real cash flow
Honest guidance on whether funding is appropriate now, later, or not at all
Clear trade-offs — cost, flexibility, and future impact
No obligation. No pressure. This is not an application.
Real Success Stories from UK SMEs
See how BR Finance has helped businesses like yours overcome cash flow challenges and achieve their growth goals.
Tom Powney
Briggs Shoes
"Fast, friendly service. BR understood our requirements, analysed our current state as a business and reduced our overall spend on debt servicing. We would definitely use them again."
Jeffrey Linton
JR Linton Tech
"Cash is King – And BR Finance is the Trusted Advisor Every Growing Business Needs"
In business, cash is always king—whether markets are booming or on the back foot. As a growing tech company, we knew that real expansion would require reliable funding—and BR Finance was exactly the partner we needed. From the very beginning, the BR Finance team took the time to listen. They didn't just offer us finance—they helped us set realistic, strategic growth targets and structured funding to ensure we could meet them. Five years later, we can confidently say that working with Business Ready Finance has been one of the best decisions we've made. We wouldn't hesitate to recommend them to any business with big ambitions and the drive to grow.
Enlight Group
Facilities Management
"Pervin has been a great help and very supportive. He helped us secure our first loan, which will give us the opportunity to accelerate our growth. I highly recommend him for all things finance!"
Your Success Story Next?
Join hundreds of UK SMEs who have transformed their business with our tailored finance solutions.
Why Structure Matters
Business funding is not one-size-fits-all.
Poorly structured funding creates pressure later — often not at the point of approval, but months down the line.
Outcomes depend on fit, timing, and structure — not just approval.
The right funding isn't about getting approved — it's about choosing a structure that still works twelve months from now.
How It Works
Funding Review
A diagnostic discussion to assess suitability, structure, and lender fit.
(20 minutes)
Structured Recommendation
Clear explanation of the recommended structure, lender alignment, and trade-offs.
Application Managed End-to-End
If appropriate, we handle the process directly with lenders.
Who This Is For
This review is designed for you if:
You want the right solution, not just approval
You have a real funding requirement (£10k–£1m, secured options available)
You value clear, professional guidance
You are willing to provide recent business bank statements
At full application we will require last 2 years of Accounts, 6 months bank statements, App. form. We may ask for more documents to build your application.
Frequently Asked Questions
What documents do I need for a funding review?
For a comprehensive funding review, we require recent business bank statements (typically 6 months). This allows us to assess your cash flow patterns and recommend funding structures that align with your actual business performance.
How long does the funding approval process take?
The timeline varies based on the funding structure and lender requirements. After your initial 20-minute review, we provide a clear timeline for your specific situation. We prioritise understanding your business and its needs.
What if my business has credit challenges?
We work with a range of lenders with different criteria. During your funding review, we assess your complete situation including credit history, cash flow, and business performance to identify viable options. Honest guidance is provided on whether funding is appropriate for your circumstances.
What types of business funding do you arrange?
We arrange various funding structures from £10k to £1m including unsecured business loans, secured lending, asset-based lending, invoice finance, and merchant cash advances. The recommendation depends on your business model, cash flow patterns, and specific requirements.
Is there a cost for the funding review?
No. The initial funding review is provided at no cost and with no obligation. This is a diagnostic conversation to assess suitability and structure, not a sales call or formal application.
Request a Funding Review
This review is a structured conversation — not an application and not a sales call.