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

London is the UK's largest business market and no two funding needs on it look the same. A Shoreditch recruitment agency waiting sixty days for a client to settle an invoice has a very different problem to a City consultancy smoothing a lumpy month or a growing IT services firm buying kit to win a bigger contract. Funding Flow works across all of it. We are a commercial finance broker, not a lender, so our job is to understand what your business actually needs and then find the market that fits it rather than pushing you towards a single product.

For recruitment and staffing firms across the capital, invoice finance releases cash tied up in unpaid invoices so payroll never stalls between billing and settlement. IT and consultancy businesses tend to lean on unsecured and secured business loans to invest ahead of revenue, alongside VAT loans that spread quarterly bills and commercial mortgages when they move to bigger premises. Card led retailers and hospitality venues can use a Merchant Cash Advance, repaid as a share of daily card takings so repayments rise and fall with trade. Whatever the sector, we match the ask to the right facility rather than the other way round.

One application reaches 50+ lenders, a broker stays on your case from first call to drawdown and decisions often come back within 24 hours. Because we see the whole market, you are compared across banks, challenger lenders and specialist funders in a single go, which usually means better terms than knocking on one door. Funding Flow is not regulated by the FCA, which is correct for business to business commercial finance, and it lets us move quickly for London firms that cannot afford to wait weeks for an answer.