FundingBay

FundingBay We play matchmaker between those who have money to lend and those who need money to grow.

Funding Tip: Timing beats urgency.Lenders assess how you show up, not just what you need. A business that approaches at ...
09/06/2026

Funding Tip: Timing beats urgency.

Lenders assess how you show up, not just what you need. A business that approaches at the wrong time is harder to back than one walking in with a clean story and strong positioning.

A gas and electric controls distributor came to us with a problem we see all the time. The business was winning new cont...
05/06/2026

A gas and electric controls distributor came to us with a problem we see all the time.

The business was winning new contracts. Growth was real. But the finances behind it were working against them.

They were tied into an invoice finance facility that didn't suit their operating model, and it was costing them every month.

Jacob Kwasnica placed them with Funding Circle for a £232k unsecured business loan. He secured £119k in new monies to replace the old facility, then consolidated everything. New funding and existing debt, into a single loan, saving the client roughly £1,000 a month.

Clean structure. Cash at their disposal. Room to grow.

That's what the right broker does. Not just finds funding but finds the funding that actually fits

UK inflation hit 3.3% while growth crawled to 0.6%. That's stagflation, and it's already squeezing SME margins from both...
03/06/2026

UK inflation hit 3.3% while growth crawled to 0.6%. That's stagflation, and it's already squeezing SME margins from both sides.

Know your options before the lending market tightens further. Our latest blog explains why borrowing now, not later, could be the smartest move you make this year.

Read the full article here: https://fundingbay.co.uk/what-is/what-is-stagflation/

02/06/2026

Plan smarter and borrow better.

Funding Bay's free business loan calculator breaks down the true cost of your loan in seconds, so you can fund what is next with confidence.

Calculate. Compare. Grow.

A recruitment business asked for £400k to cover wages on a big new contract, but two clients make up nearly 70% of their...
01/06/2026

A recruitment business asked for £400k to cover wages on a big new contract, but two clients make up nearly 70% of their sales and the director took £140k in dividends last year. Would you fund this?

Running out of stock is one of the most frustrating spots a retailer can be in. Customers are ready to spend, suppliers ...
29/05/2026

Running out of stock is one of the most frustrating spots a retailer can be in. Customers are ready to spend, suppliers are ready to deliver, but without the cash to bridge the two, the sales just slip away.

That is the position one of our clients was in. A toy store with shelves emptying faster than they could refill them, and no quick way to get the working capital needed to restock.

Our broker Margaux du Hennin stepped in and arranged a £20k unsecured Business Loan with Swiftfund. Enough to bring inventory back in full, with nothing pledged against the business and no drawn-out approval process to sit through.

Cash flow gaps happen… Missing out on sales because of them shouldn't.

Funding Tip: The best time to borrow is when you don't have to. Most founders wait until they need funding to think abou...
27/05/2026

Funding Tip: The best time to borrow is when you don't have to.

Most founders wait until they need funding to think about credit, and by then, they're starting from zero.

Here is what experienced operators understand: lenders don't fund potential, they fund patterns. A corporate card settled monthly, a small facility repaid early, these are the signals that open doors.

Start building your repayment record now, future you will thank present you.

26/05/2026

Every great cup starts with the right blend, and so does every great deal.

Here's the one we brewed behind the scenes.

Equipment failure is every business owner's nightmare. One minute you're delivering for clients, the next you're stuck w...
22/05/2026

Equipment failure is every business owner's nightmare. One minute you're delivering for clients, the next you're stuck waiting on a fix that's costing you money by the day.

That's exactly where one of our clients found themselves. An offshore engineering firm with a work boat sidelined by a failed engine and gearbox, and contracts piling up.

Our broker Joseph Babalola stepped in and secured a £26k unsecured Business Loan with Iwoca. Enough to replace the equipment in full, with no assets tied up and no waiting around.

Setbacks happen. Funding shouldn't be one.

A construction business asked for £250k in funding, but had £85k in tax arrears and two suppliers chasing payment. Would...
18/05/2026

A construction business asked for £250k in funding, but had £85k in tax arrears and two suppliers chasing payment. Would you fund this?

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