Business funding
The rest of the market isn't.
A cash-flow gap, a machine you need now, invoices stuck at 60 days, a bank that's gone quiet. There's almost always a lender for it. We work out which of 200+ is worth approaching and introduce you, so you get offers from lenders you'd never reach on your own.
A named adviser reads your enquiry and calls you within one working day.Nothing goes to a lender until you say so.
£20k to £25m·200+ lenders
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What we arrange
Most businesses come to us thinking they need "a loan". About half leave with something else that fits better. Working out which is the job.
Cash into the business for growth, cash flow, stock or a one-off cost. Usually the fastest to arrange.
Buy new equipment or vehicles without the upfront hit, or release cash from assets you already own. Secured on the asset itself.
Get paid on day one instead of day 60. Works for any business that sells to other businesses on credit terms, and grows with your sales.
How it works
Six fields, no documents. Roughly how much and what for is enough to start.
Your adviser confirms a couple of details and talks through which lenders and products are realistic for the business.
You're introduced to the lenders that fit, with the context already explained, so you're not starting from scratch with each one.
Unsecured loans can offer within 24 hours of a complete application. Secured, asset and invoice facilities take longer because assets get valued. The lender runs the process; you choose whether to accept.
What an introducer does
200+ lenders, from high-street banks to specialist asset and invoice funders, each with different appetite. We know which ones want your sector, your turnover band and your asset type this month.
We introduce you to the lenders best suited to your application, with your situation already explained. You go in as a known, qualified enquiry rather than a cold application.
Lenders answer a known introduction faster than a cold application, and usually on terms your bank wouldn't match. You find out quickly what's realistic, and if now isn't the time, we'll help you plan for a better facility later in the year.
Behind the name
Lendpoint is an introducer, not a lender. We don't lend money, make credit decisions or guarantee approval. We introduce you to lenders you otherwise wouldn't reach, and if the timing isn't right, help you build a plan to get the best financing in the future.
Most owners have more options than their bank has shown them. Once they're in front of the right lender, they usually end up with more cash to play with than they've had in years.
Lendpoint
What it can look like
Three businesses that came to us with one idea of what they needed and left with something that fitted better.
Came in asking for a £400k loan. Hire purchase on the new machine plus a refinance of two owned machines released more, over a longer term, at a lower monthly cost.
An overdraft was the obvious ask. A confidential invoice discounting facility grew with the ledger instead, and the clients never knew.
Strong card takings and a seasonal spike. A merchant cash advance repaid as a percentage of daily card sales fitted the shape of the year better than fixed monthly repayments.
Common questions
Anything else, ask your adviser on the call. There's no obligation at any stage.
Request a callback →No. Sending an enquiry doesn't raise a credit check against your business or your personal profile, so there's nothing on your file from asking. A lender only runs its own check once you've chosen an option and given explicit consent.
Usually not. Existing facilities are normal. Part of the job is working out whether a new facility sits alongside what you have, or refinances it on better terms. Pick "refinancing what we have" and we'll look at the whole picture.
No. Lendpoint is an introducer. We match you with lenders from our panel and introduce you; each lender assesses the application against its own criteria and makes its own decision. We don't lend, don't make credit decisions and don't guarantee approval. There's no obligation at any stage.
Yes. Secured, asset and invoice facilities take weeks to set up because assets and ledgers get valued. Starting early means the facility is ready when you need it, and you're not deciding under pressure. Say so in the form and we'll plan around it.
A named adviser reads them and calls you within one working day to talk through what's realistic. Nothing is submitted to any lender until you've spoken and said yes. Your details are shared only with the lenders we introduce you to and the service providers needed to process the application.