Business Finance for Oxford. From £10k to £2m+

Oxford's economy runs on ideas: research spinouts, life sciences companies and IT firms scaling quickly on the back of talent and intellectual property. Knowledge businesses like these often grow faster than their cash allows, and traditional lending built for bricks and mortar does not always understand them. Funding Flow does. We are a commercial finance broker, not a lender, so we take your case to the whole market and find the lenders who back fast moving Oxford firms, rather than leaving a scaling company to argue with a single bank that never quite gets it.

Technology and life sciences firms usually want flexible unsecured business loans to fund hiring and research ahead of revenue, without pledging a founder's home. Consultancies use invoice finance to release cash from unpaid invoices and VAT loans to smooth the quarterly bill, keeping cash flow steady through lumpy project cycles. Companies moving into laboratory or office space reach for commercial mortgages, while asset finance covers the specialist equipment behind the science and lets a firm spread its cost over the years it earns.

A single application from you goes to 50+ lenders, a broker handles the case from first contact to funds released and many decisions come back within 24 hours. Seeing the entire market at once means an Oxford company is compared across banks, challenger lenders and specialist funders together rather than tied to one panel, which tends to sharpen the terms. Funding Flow is not regulated by the FCA, which is correct for business to business commercial finance, and it keeps pace with how quickly Oxford companies move.