FundingBay

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

17/09/2026

Software and SaaS businesses often invest before new revenue converts into cash. Product development, delivery hires, and enterprise contract mobilisation all require capital while customer payments follow longer cycles.

Accredited lenders can support that growth with facilities of up to £2 million, and may apply Growth Guarantee Scheme backing where commercial terms would not otherwise be available. The scheme has been extended to 2030.

Recurring revenue can strengthen your commercial case, but it does not guarantee approval, and the right facility structure matters. Read our latest blog via the link in the comments.

A nursery asked for £120k to expand, but had very thin margins and leased its premises. Would you fund this?
15/09/2026

A nursery asked for £120k to expand, but had very thin margins and leased its premises. Would you fund this?

Fuel, drivers and insurance go out weeks before your customer settles. Every contract you win stretches that wait furthe...
14/09/2026

Fuel, drivers and insurance go out weeks before your customer settles. Every contract you win stretches that wait further.

Invoice finance closes the gap, releasing the bulk of an invoice shortly after you raise it.

Not every lender understands haulage. We work with the ones that do.

A restaurant had its sights set on a second location, but needed a quick boost to its cash flow to get there. With an op...
11/09/2026

A restaurant had its sights set on a second location, but needed a quick boost to its cash flow to get there. With an opportunity like that, speed mattered more than anything, and a drawn-out application was the last thing the business could afford.

Our broker Margaux arranged a £20k Merchant Cash Advance with 365 Finance, and the funds landed in the client's account within 48 hours. The advance flexes with the takings, so repayments rise and fall in step with how the business trades.

When the right moment appears, funding needs to keep pace. If an opportunity will not wait, we will help you move on it quickly.

10/09/2026

Late payment costs the UK economy £11 billion a year and contributes to around 14,000 business closures annually.

UK agencies sit squarely in the sectors most exposed to this pressure, because costs run monthly while client payment terms often stretch to 60 days or longer.

The right finance product depends on which pressure you are addressing: project billing cycles, media buying commitments, or headcount scaling ahead of revenue.

Read our latest blog via the link in the comments.

A salon asked for £80k to cover running costs, but was already repaying two credit cards and a director's loan. Would yo...
09/09/2026

A salon asked for £80k to cover running costs, but was already repaying two credit cards and a director's loan. Would you fund this?

08/09/2026

Leave the guessing to the game shows.

Disclaimer: Unofficial parody. Not affiliated with Who Wants to Be a Millionaire.

For service businesses, August can come back to bite in September.Work slows, invoices thin out, but payroll, rent and o...
07/09/2026

For service businesses, August can come back to bite in September.

Work slows, invoices thin out, but payroll, rent and overheads carry on as normal.

With few physical assets to offer as security, finding the right funding can be harder too.

If August left a hole in September, get in touch.

A serviced office business had a problem that many would envy. Demand had outstripped supply for years, leaving a long w...
04/09/2026

A serviced office business had a problem that many would envy. Demand had outstripped supply for years, leaving a long waiting list of clients and no free space to house them. The only way to grow was to create more room on site.

Our broker Jack sourced a £100k facility over five years with Funding Circle, funding a mezzanine level inside the warehouse that made space for seven additional offices. With no early repayment penalties, the client can refinance onto an increased commercial mortgage as soon as the build is complete.

Growth sometimes means building the capacity to say yes. If your business is turning work away for want of space, we will help you create the room to expand.

03/09/2026

UK production companies commit substantial capital before any revenue arrives. Broadcasters and streaming platforms pay on their own schedule, which is almost always slower than freelancers, suppliers, and payroll can absorb.

The result is a working capital cycle that can run to 180 days or more. Profitable production companies run out of cash not because the business is weak, but because the gap between delivery and payment is a feature of the model.

The funding to bridge that gap exists, and it does not require giving up creative control to access it. Full guide on our blog. Link in the first comment.

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