Our finance panel is made up of over 130+ Lenders
Finance for Small & Medium Business
My goal is to help as many SMEs get the access to finance they need in order to expand and scale their business. Even if business is getting tough, I can help you as an owner, to secure the finance to get through these rough patches.
Awards won by Bradley's Private Equity Firm
Bradley Lay has been featured in:
Bradley is a Mergers & Acquisitions expert and CFO with a goal to help as many SMEs gain access to Finance.
From £10k to £20m
Having worked closely with 600+ UK business owners, I’ve seen first hand where the funding system breaks. SMEs are the backbone of the UK economy, yet when it comes to finance, they’re often underserved.Traditional lenders are slow, restrictive and risk averse; When you’re growing, they hold you back and when you’re under pressure, they step away.Even government backed solutions rarely deliver in reality, with complex criteria and drawn out processes that don’t match the pace of real business.So I launched SME Funded to change that.A smarter, more accessible way for business owners to secure funding which is backed by a network of 130+ lenders alongside our own deployed capital.No unnecessary friction. No dead ends. Just solutions that actually work in the real world.
~24
Hour funding available
95%
Average success rate
130+
Lenders on panel
~24
Hour funding available
95%
Average success rate
130+
Lenders on panel
Business Finance Products Available
Below is a sample of the wide range of financial products we can help you arrange, expertly designed to meet your specific business requirements and goals.
01 Business Loan
Customised loans to fuel your business growth ambitions or expansion support.
02 Asset Finance
Flexible financing options for your essential business assets.
03 Mortgage & Bridging Loan
Flexible property financing for smooth transitions and purchases.
04 Equipment Finance
Invest in critical equipment with tailored financing solutions and investment support.
05 Motor Finance
Affordable financing solutions for your business vehicle needs.
06 Software Finance
Affordable finance solutions tailored for software development and growth with multiple sector software solutions.
£750,000 FUNDED
“We were tendering a huge contract of lifetime but we didn't have the funds up front for working capital on this project. The whole process was shockingly fast and easy. That's not something I was used to with my past experience with my bank”
Adam Knight
Construction Sector Business
Fast & easy application process here
Access to finance for your business is only a call away with our streamlined application process. Quick, straightforward and designed with your convenience in mind.
Easy Application
Click the "Get Funded Now" button. Provide basic business details to help us understand your financial needs
Quick Assessment
Our team will review your application asap, ensuring a fast and efficient assessment process
Receive Your Funds
Upon approval, funds are swiftly paid to your account, enabling immediate financial action for your business
You work directly with my team with a combined 40 years of commercial finance experience.
We always work to a white glove service level.
Supporting UK SMEs
SME FUNDED
When you work with SME Funded, you’re not passed between call centres or junior brokers. You deal directly with a senior team that brings over 40 years of combined commercial finance experience. People who understand how businesses actually operate, not just how lenders think.We take a white-glove approach to every client. That means we don’t just “find you a lender”, we structure your funding properly, position your business in the best light and manage the entire process from start to finish. You stay focused on running your business, while we handle the complexity behind the scenes.Every deal is different. That’s why we take the time to understand your numbers, your growth plans and the real story behind your business. Whether you’re scaling, stabilising, or navigating a challenging period, we build funding solutions that actually fit your situation. Not generic, off-the-shelf products.Our strength lies in access and execution. With a network of over 130+ lenders, alongside our own capital, we’re able to move quickly, think creatively and deliver options that traditional routes simply can’t. Speed matters in business and we make sure finance doesn’t become the bottleneck.At SME Funded, we’re here to back UK business owners properly. No fluff, no unnecessary friction, just a partner who understands the pressure, moves at your pace and delivers funding that helps you move forward with confidence.
Common questions and answers
General Questions
How can I qualify for a commercial business loan?
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Qualification for a commercial business loan typically depends on factors such as your business credit score, financial statements, business plan and sometimes collateral. Lenders will assess your ability to repay the loan based on these criteria.
What is the typical interest rate for commercial business loans?
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Interest rates for commercial business loans can vary widely based on the lender, the size and term of the loan, and your business creditworthiness. Generally, rates can range from 4% to 20%.
How long does it take to get approved for a loan?
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The approval time for a commercial business loan can vary. We have Lenders that can give you decisions within 24 hours or It can take anywhere from a few days to several weeks, depending on the lender and the complexity of the application.
What If I Have poor Credit?
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Your credit rating plays a crucial role in determining your eligibility for a business loan.Lenders rely on your credit rating to assess your likelihood of repaying the loan. Poor credit can label you as a high-risk borrower, resulting in more stringent lending terms. However, our network of 130+ lenders allows us to find options tailored to your specific situation.
Do you provide Finance options outside of the UK?
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Unfortunately our lenders only provide finance solutions to companies registered and operating in the UK.
It's time for you to get funded
Get cash in your business asap
Click the "Get Funded Now" button and let's get you the finance your business needs
Still have questions?
If you still have a question, want clarification, or aren’t sure of how much you need, you can reach out using the contact form.
Share a bit about what you’re working on, how much you need or what’s unclear, and we’ll get back to you with a straightforward answer. No pressure to apply for anything.
Privacy Policy
1. Introduction
SME Funded Ltd. ("we", "our", "us") is committed to safeguarding your privacy. This Privacy Policy describes how we collect, use, and protect your personal information when you visit our website or interact with our services. By using our website, you consent to the practices outlined in this Privacy Policy. We prioritise the protection of your personal data and adhere to applicable data protection regulations.
2. Information we collect
When you engage with our services, the personal data we may collect includes your name, email address, and other information that you provide through the introductory questionnaire, finance questionnaire or any email correspondence. The data we collect primarily comes from interactions that you initiate with us via email or the questionnaire. We do not use cookies to track your session in our website. We use cookieless tracking technology that pseudo-anonymizes individual visitors' data, ensuring that no personally identifiable information (PII) is collected or stored. This approach allows us to collect data on user interactions, such as page views, bounce rates, and session durations, without compromising user privacy.
3. How we use your information
We use the personal data you provide to better understand your business needs and preferences, allowing us to assist you with raising finance more effectively. Your data also helps us communicate with you regarding your project, provide updates, request clarification, and assist you with any queries.
4. Sharing your information
We do not sell, rent, or share your personal data with third parties except where necessary for the delivery of our services. These providers are contractually bound to protect your data and use it solely for the purpose of facilitating the services you requested. You should be aware that we may also share data when required by law, such as in response to legal processes or regulations.
5. Data retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including providing services to you, complying with legal obligations, or resolving any disputes. Basic contact information may be retained for record-keeping purposes and to facilitate future communications regarding our services, even after the use of our services. If you discontinue use of our services, other personal data will be retained only for a reasonable period to meet any ongoing obligations or legal requirements, after which it will be securely deleted.
6. Security of your data
We take reasonable measures to protect your personal data from unauthorised access, alteration, or disclosure. While we implement industry-standard security protocols, no method of transmission over the internet or method of electronic storage is entirely secure. As such, we cannot guarantee absolute security of your data.
7. Your rights
You have certain rights regarding the personal data we hold about you. These rights include the ability to access the personal data we have collected, request corrections to any inaccurate information, and ask for the deletion of your personal data, subject to applicable legal exceptions. To exercise any of these rights, you may contact us, and we will respond to your request in accordance with applicable law.
8. Third-party links
Our website may contain links to third-party websites. Please be aware that we are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.
9. Changes to this privacy policy
We may update this Privacy Policy to reflect changes in our practices or legal requirements. If any significant changes are made, we will notify you either by email or by posting a notice on our website. We encourage you to review this policy periodically to stay informed about how we are protecting your data.
10. Contact
If you have any questions about this Privacy Policy or how we handle your personal information, please contact us through our contact info.
Terms of Use
1. Introduction
By accessing or using this website, you agree to comply with and be bound by these Terms of Use. These terms constitute a legally binding agreement between you and SME Funded. If you do not agree to these terms, you must discontinue using this website immediately.
2. Website use
You are granted a limited, non-exclusive, revocable license to access and use this website for informational purposes only. By using this website, you agree to refrain from using the website in any unlawful manner or in violation of any applicable laws or regulations, engaging in any conduct that disrupts or inhibits the website's functionality or security, attempting to gain unauthorised access to any portion of the website, other systems, or networks connected to the website.
3. Intellectual property
All content on this website, including but not limited to text, graphics, images, logos, audio clips, and design elements, is the property of SME Finance or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, reproduce, distribute, republish, download, or create derivative works from any website content without prior written consent from SME Finance. Any unauthorised use of intellectual property may result in civil or criminal penalties.
4. Disclaimer of warranties
The website and its content are provided on an "as is" and "as available" basis. SME Finance makes no representations or warranties of any kind, express or implied, including but not limited to the accuracy, completeness, reliability, or availability of the website or its content, the absence of viruses or other harmful components, or any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Your use of the website is at your own risk. We do not guarantee that the website will be uninterrupted or error-free.
5. Limitation of liability
To the maximum extent permitted by law, SME Finance and our affiliates, officers, employees, or agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use or inability to use the website, errors, omissions, or inaccuracies in the website content, any unauthorised access to or use of our servers and any personal information stored therein, or any bugs, viruses, or harmful components transmitted through the website. This limitation applies even if we have been advised of the possibility of such damages.
6. Third-party links
This website may contain links to third-party websites or services that are not owned or controlled by us. We do not endorse or assume any responsibility for the content, privacy practices, or terms of these third-party sites. Accessing third-party links is at your own risk. We recommend reviewing the terms and privacy policies of any third-party websites you visit.
7. Privacy policy
Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.
8. User conduct
Users are responsible for ensuring that any content they submit or communicate through this website does not violate any applicable laws or regulations, infringe upon the rights of any third party, including intellectual property rights, or contain any harmful, obscene, defamatory, or illegal material. We reserve the right to monitor, remove, or refuse any content that violates these terms or is otherwise deemed inappropriate.
9. Modification of terms
We reserve the right to update, modify, or replace any part of these Terms of Service at our discretion. Any changes will be posted on this page with an updated revision date. It is your responsibility to review these terms periodically for updates. Continued use of the website following any changes constitutes acceptance of those changes.
10. Governing law and jurisdiction
These terms are governed by and construed in accordance with the laws of England, without regard to its conflict of law principles. Any disputes arising under these terms shall be resolved exclusively in the courts located in England.
11. Indemnification
You agree to indemnify, defend, and hold harmless SME Funded, our affiliates, officers, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from your violation of these terms or your use of the website.
11. Contact
If you have any questions or concerns about these Terms of Service, please contact us through the website form.