Business Finance for Cardiff. From £10k to £10m

As Wales' capital, Cardiff carries a broad economy from financial services and media to a growing construction sector. Each feels cashflow differently. Financial and professional firms carry payroll between billing cycles, media and digital businesses deliver projects and then wait to be paid, and construction firms fund labour and materials across long programmes before any money comes back. The common thread is a gap between doing the work and banking the payment. In a capital city where competition for contracts is real, having funding ready to close that gap is often what lets a Cardiff business commit with confidence.

For the media and digital firms around Cardiff Bay and the city centre, an unsecured business loan funds hiring and growth without diluting ownership, while invoice finance releases cash held in unpaid invoices. For construction firms, bridging and development finance carries a scheme through to completion, and asset finance spreads the cost of plant and vehicles. VAT loans ease the quarterly demand. We choose the funding that suits the way your business earns.

Funding Flow is a commercial finance broker rather than a lender, so we work the whole market for you. One application reaches 50+ lenders and we manage every case ourselves, which means no repeating the paperwork. Decisions often come within 24 hours and funding runs from £10k to £10m. We are not regulated by the FCA, which is correct for business to business commercial finance, and it keeps the process quick and clear.