We Help British Business Owners To Thrive

Need stock to meet the season? Want to take care of the invoices to keep your business moving forward? Do you want to keep your people paid and productive?

Whatever you need to get to the next quarter and the next level, we’re here to help.

4.4 star rating on Trustpilot

Offers in under 4 hours

Three solutions to help you

Traditional loans don’t work for business owners, they work for banks.

We’re entrepreneurs who have faced what you’re facing. We know that banks can’t and won’t help small businesses with small business problems like stalled cash flow, supplier invoices and payroll problems.

Or sometimes there is a great opportunity for growth, but not enough supporting capital to take that opportunity.

You don’t have to do it all alone. See how much you qualify for.

Three Funding Solutions For UK Businesses

Our products are designed with UK business owners in mind. We understand time pressures and decisions can be made in as little as 4 hours*.

Merchant Cash Advance (MCA)

Fast access to working capital with flexible, revenue-based repayments.

For businesses with strong card sales that need funding.

Learn More

Business Cash Advance (BCA)

Get quick and easy access to funds with a Business Cash Advance (BCA).

We provide the advance, and you choose the repayment option that works best for you.

Learn More

Selective Invoice Finance (SIF)

Need quick cash by “selling” specific invoices to us? Selective Invoice Financing can help!

You get most of the invoice amount upfront, and once the customer pays, you get the remaining amount, minus our fees.

Learn More

We know the challenges entrepreneurs face because we’re entrepreneurs too. We’re more than a source of funding; we’re a partner who understands your vision and supports your ambition.

Applying For Funding is Easy

1. See what you could receive

2. Apply online in minutes

3. Get an offer within 4 hours

4. Receive your funding

5. Pay us back based on your payment terms

What UK Businesses Say About Funding Alternative

Broker Feedback
As a broker at FundOnion, I’ve worked with many lenders, and Funding Alternative is always a standout. Their quick turnarounds make a real difference for clients who need urgent funding.

What I appreciate most is their willingness to look beyond just the numbers and take the client’s backstory into account. They find solutions where others might not, giving businesses the opportunity they need to move forward.

Excellent Experience
Working with Funding Alternative has been excellent. Efficient communication and prompt support have made a significant difference for our business. The funding received has enabled us to purchase stock at better prices and grow the business.

I would gladly recommend them. It's been a stellar experience. 10 out of 10.

Quick and Seamless Funding Experience
We needed cash fast to stock up before a busy season and these guys really came through. The whole thing was super straightforward.

Applied, heard back quickly, and had the funds in a couple of days. Repayments were flexible too, which helped a lot. Honestly, smooth from start to finish.

Needed quick funds for my business and…
Needed quick funds for my business and Funding Alternative delivered within 2 days!
The team answered any question I had and seemed very friendly and patient with me. Highly recommend!

Excellent would recommend
Excellent service throughout process and top turnaround times

Excellent company
Excellent company, lovely people & very easy to talk to & arrange whatever you need to.

Next Day Funding
Funding Alternative provided exceptional service with a quick, hassle-free application process. Their team was responsive and helpful, making it easy to secure the funds I needed.

Terms were clear and easy to understand, and I always got to speak to a human on call. Highly recommend for fast and reliable financial support.

See What You Could Receive

Pick the product that suits your business and move the slider to see an instant, no-obligation estimate. When you're ready, apply in minutes and we'll take it from there.

Merchant cash advance, business cash advance or invoice finance
Instant, no-obligation estimate
Apply in minutes

Monthly card receipts£50,000

% towards repayments15%

You could be eligible for*

£45,000

Of every £100

£85 yours

Amount to borrow£100,000

Repayment period6 months

Weekly repayment

£5,576.92

Total

£145,000

Invoice value£10,000

80% up front, the rest when your customer pays.

Paid to you now

£8,000

Back later*

£1,600

Apply now

*Further terms available on application. Subject to status.

Our approach combines financial flexibility with genuine understanding and a human touch. It’s about more than just money— it’s about moving forward together.

Trusted Brands We Work With

How we have helped UK Businesses

Funding alternative has helped hundreds of businesses with funding over the last couple of years.

No matter the industry you are in, our team is ready to assist!

£110,000 Business Cash Advance – Motor Trade Industry

One established car dealership approached us seeking £110,000 to expand vehicle stock levels and take advantage of several time-sensitive purchasing opportunities.

The result:

£110,000 approved to support vehicle stock acquisition.
Decision issued within hours of receiving the application.
Fully funded within 24 hours.
Client able to secure additional stock ahead of peak trading activity.
Funding structured around the business’s trading profile.

£30,000 Merchant Cash Advance – Birmingham Bakery

An established bakery approached us needing £30,000 in funding to refurbish their shop and stay open through the quieter build phase.

The result:

Funding approved within 57 minutes of receiving the applicable paperwork.
Fully funded the next business morning as the application was received late in the day.
Business able to use the funding to refurbish and open a larger space in the eating area.
As a result they have increased the number of customers they can serve.

£50,000 Selective Invoice Finance Facility – IT Industry

Our client creates and manages website infrastructure for a large legal firm. Their customer pays on 60-day terms, which puts a strain on our client’s cash flow and hurt their ability to grow and plan.

We now unlock their invoices on the same day they receive them, giving them the working capital to keep their business flowing.

The result:

Our client provided the business information package by lunchtime.
We’d approved a £50,000 facility before the day ended, including approval for 5 of their different customers.
Invoices funded the next day.

£15,000 Business Cash Advance – Retail Industry

One retail client approached us needing £15,000 quickly to secure additional inventory and maintain momentum.

The result:

£15,000 approved to support stock investment.
Offer issued just 28 minutes after receiving the application.
Fully funded the very same day.
Business able to secure inventory ahead of increased demand.

£20,000 Merchant Cash Advance – Butchery

An established butchery in London approached us seeking £20,000 in funding to expand their business to add delivery.

The result:

Funding offered within 49 minutes of receiving the application.
Fully funded late in the afternoon, on the same day.
Client was able to cover the costs for packaging, transport and launch costs.

£100,000 Business Cash Advance – Fitness Industry

With January membership demand approaching, a gym needed capital quickly to expand its weights area and Pilates studios, allowing them to accommodate up to 50% more members during peak times and fully capitalise on seasonal momentum.

The result:

£100,000 released to fund expansion works immediately.
Increased capacity across weights and Pilates rooms.
Ability to maximise January sign-ups without operational strain.
Same-day approval and completion.

Why Choose Funding Alternative?

	FUNDING ALTERNATIVE	PRIVATE EQUITY	BANK LOAN
Cost	One fixed fee	Loss of ownership & control	Director guarantees, charges on assets
Time to Funding	Within 24 hours	Months	Weeks or months
Amount	£15,000 to £250,000	£100,000+	£10,000 to £500,000
Repayments	Flexible or Fixed	Pref share dividends, rolled-up loans	Fixed
Flexibility	We work around your business needs	Will impose restrictions on use of capital	Can only offer standard terms
Engagement	Online only engagement possible	Lengthy negotiations	Requires a lot of paperwork
Support	Dedicated relationship manager	Limited	Support centre

	FUNDING ALTERNATIVE
Cost	One fixed fee
Time to Funding	Within 24 hours
Amount	£15,000 to £250,000
Repayments	Flexible or Fixed
Flexibility	We work around your business needs
Engagement	Online only engagement possible
Support	Dedicated relationship manager

	PRIVATE EQUITY
Cost	Loss of ownership & control
Time to Funding	Months
Amount	£100,000+
Repayments	Pref share dividends, rolled-up loans
Flexibility	Will impose restrictions on use of capital
Engagement	Lengthy negotiations
Support	Limited

	BANK LOAN
Cost	Director guarantees, charges on assets
Time to Funding	Weeks or months
Amount	£10,000 to £500,000
Repayments	Fixed
Flexibility	Can only offer standard terms
Engagement	Requires a lot of paperwork
Support	Support centre

The Latest Funding News For UK Businesses

Business Cash Advance

What Is Revenue-Based Finance and How Can It Help Your Business Grow?

Find out how revenue-based finance works, how repayments can follow your income, and whether it could help you fund your next stage of business growth.

October 2, 2026 No Comments

Business Cash Advance

August Newsletter

For businesses operating in property and estate-related sectors, having access to capital at the right time can be crucial.

September 29, 2026 No Comments

Selective Invoice Financing

Turn Outstanding Invoices into Growth Capital

Learn how selective invoice finance turns unpaid invoices into working growth capital for stock, hiring, marketing and more. Find out how it works.

August 15, 2026 No Comments

Selective Invoice Financing

The Different Forms of Invoice Financing

Understand the different forms of invoice financing, including selective, whole-book, disclosed and confidential invoice finance.

August 10, 2026 No Comments

Unsure which solution is right for your business?

Contact our team and we will assist with selecting the right funding for your needs.

We Help British Business Owners To Thrive

Traditional loans don’t work for business owners, they work for banks.

Three Funding Solutions For UK Businesses

Merchant Cash Advance (MCA)

Business Cash Advance (BCA)

Selective Invoice Finance (SIF)

Applying For Funding is Easy

1. See what you could receive

2. Apply online in minutes

3. Get an offer within 4 hours

4. Receive your funding

5. Pay us back based on your payment terms

What UK Businesses Say About Funding Alternative

See What You Could Receive

Trusted Brands We Work With

WorldPay

Rated on Trustpilot

Receipt Bot

Transunion

Square

Elavon

SumUp

How we have helped UK Businesses

£110,000 Business Cash Advance – Motor Trade Industry

£30,000 Merchant Cash Advance – Birmingham Bakery

£50,000 Selective Invoice Finance Facility – IT Industry

£15,000 Business Cash Advance – Retail Industry

£20,000 Merchant Cash Advance – Butchery

£100,000 Business Cash Advance – Fitness Industry

Why Choose Funding Alternative?

The Latest Funding News For UK Businesses

What Is Revenue-Based Finance and How Can It Help Your Business Grow?

August Newsletter

Turn Outstanding Invoices into Growth Capital

The Different Forms of Invoice Financing

Unsure which solution is right for your business?