SME Lending Guides
Insights for accountants, platforms & businesses
In-depth articles on embedded lending, accountant partnerships, multi-lender platforms, and business funding in the UK.
Capitalise Alternative: Why Accountants Choose Fundably
Fundably and Capitalise compared for UK accountants. Covers subscription fees, commission rates, lender panel, portal features and why zero-fee partners often earn more with Fundably. Explains Capitalise's tiered subscription model, the impact on net commission per deal, Fundably's embedded integration options across iwoca, Funding Circle, YouLend and Triver and key decision factors for accountancy firms.
Accountants
4 guidesCan Bookkeepers Earn Commission on Business Loan Referrals?
A practical guide for UK bookkeepers on earning referral commission from SME lending. Covers FCA rules and the Ltd-company carve-out, what bookkeepers can do without authorisation, how much they can earn and how to get started. Worked earnings examples for 30 to 50 client practices, the ICB and AAT position on referral income and how to identify funding needs in client accounts.
Adding Funding Advisory to Your Accountancy Practice
How UK accountants can build a funding advisory service for SME clients. Covers spotting funding needs in client conversations, structuring the introducer model that keeps you outside FCA regulated activity and earning up to 30% commission via Fundably. Panel includes iwoca, Funding Circle, Nucleus Commercial Finance and Capital on Tap, with no setup fees and a 48 hour go-live.
Do Accountants Need FCA Authorisation to Refer Clients?
FCA rules for UK accountants referring clients to SME lenders. Explains why commercial credit broking to UK Limited companies sits outside the FCA regulated perimeter, when authorisation is genuinely required and the clean introducer path to earning up to 30% commission via a NACFB member commercial finance broker like Fundably with no licence of your own.
How Accountants Earn Lending Commission (UK Guide)
How UK accountants earn commission on SME lending referrals. Explains how partner programmes work, what FCA rules apply, what to expect from your first funded deal and typical commission ranges. Fundably's panel covers 50+ UK lenders including iwoca, Funding Circle and Nucleus Commercial Finance, paying up to 30% on every funded deal within 14 days of completion.
Platforms
4 guidesBest Embedded Lending Providers for UK Platforms
The top embedded SME lending providers for UK platforms compared side by side (Fundably, YouLend, Liberis, Capitalise and Swoop). Covers revenue share rates, setup and subscription fees, integration options across REST API, Web Component and iFrame, full white-label capabilities and lender panel breadth. Explains which provider suits payment platforms, accountancy software, neobanks and mixed B2B SaaS user bases, and the typical time to go live for each.
Multi-Lender vs Single-Lender Embedded Lending
Multi-lender and single-lender embedded lending compared for UK platforms. Covers approval rates, commercial structure, UX and choosing the right model. Explains why multi-lender matching across iwoca, Funding Circle, Outfund, YouLend and Triver typically doubles approval rates versus a single MCA provider, the revenue impact per 100 applicants and how integration complexity compares.
How Platforms Generate Revenue from Embedded Lending
How UK platforms and fintechs earn revenue from embedded SME lending. Covers revenue share models, commercial structures and approval rate impact. Explains why approval rate matters more than commission percentage, how revenue compounds with a multi-lender model across iwoca, Funding Circle, YouLend and Outfund, what Fundably pays platform partners per funded deal and how to optimise placement for maximum conversion.
How to Embed Lending in Your Platform (UK Guide)
How UK platforms and fintechs embed SME lending via API, Web Component or iFrame. Integration options, commercial models, compliance and revenue share for embedded lending partners. Multi-lender approval routing across Fundably's 50+ panel including iwoca, Funding Circle, YouLend and Outfund, with up to 30% revenue share per funded deal and a typical 48 hour go-live.
Business Funding
16 guidesFunding After a Bank Rejection: What Next?
A practical guide to funding after a bank rejection in the UK. Covers why high street banks say no, alternative options including iwoca, Funding Circle, Nucleus Commercial Finance, Triver and YouLend and how to improve your chances. Explains the most common rejection reasons, what alternative lenders look for and how to access multiple offers via a single soft-search application.
Buy-to-Let Mortgages for UK Landlords & Property Investors
UK buy-to-let mortgages explained. Fixed and variable rates, interest-only and capital repayment options, limited company SPV and personal name structures, all matched across 50+ specialist lenders including Barclays and Lendco. Covers stress tests, typical loan-to-value limits, portfolio landlord criteria, HMO and multi-unit lending and how to apply with one soft-search application across Fundably's panel.
How to Compare Business Loans UK
How UK businesses compare loan offers across lenders, products and rates. Explains what APR and factor rates actually mean, how to read fees and the total cost of borrowing and the fastest way to access multiple offers. Fundably's one soft-search application matches you across 50+ lenders including iwoca, Funding Circle and Nucleus Commercial Finance.
Business Credit Lines UK: How They Work and When to Use One
UK business credit lines explained. How revolving credit facilities work, typical limits and costs, drawdown mechanics and how to compare offers across Fundably's 50+ lender panel. Covers iwoca and Funding Circle FlexiPay as the two most common credit line products for UK SMEs, with eligibility from three months trading and a soft credit check at matching.
Merchant Cash Advance UK: How It Works and Costs
UK merchant cash advances explained. How MCAs work, factor rates, holdback rates, daily versus weekly remittance, eligibility and how YouLend (the only MCA provider on Fundably's panel) compares against alternative revenue-based and term loan options across 50+ lenders including Outfund, Uncapped, iwoca and Funding Circle, with funding in as little as 24 hours.
Revenue-Based Finance vs Term Loans (UK)
Revenue-based finance and term loans compared for UK SMEs. Costs, repayment flexibility, eligibility and which suits your business, with live offers across Fundably's 50+ lender panel. Covers RBF specialists Outfund, Uncapped and YouLend alongside term lenders such as iwoca, Funding Circle and Nucleus Commercial Finance, with worked examples of total cost on a £100k facility.
Asset Finance UK: Fund Equipment & Machinery
Asset finance for UK SMEs explained. Hire purchase, finance lease, operating lease and asset refinance, matched in one application across 50+ lenders including iwoca, Funding Circle and Nucleus Commercial Finance. Covers typical deposits, terms from one to seven years, soft credit checks at matching and how each structure affects ownership and tax treatment.
Auction Finance UK: Fund a Property Auction Purchase
Auction finance for UK property buyers explained. How bridging loans work, indicative costs, the 28 day completion deadline and how to secure terms before auction day. Matched across Fundably's 50+ lender panel including OakNorth, Allica Bank and specialist bridging providers, with a soft credit check at matching and indicative offers in as little as 24 hours.
Business Credit Cards UK: How to Choose the Right One
Business credit cards for UK SMEs explained. Card types, cashback and rewards, how limits and APRs work and how to pick the right card for your spending pattern. Covers options across Fundably's 50+ panel including Capital on Tap and Funding Circle FlexiPay, with eligibility, typical credit limits and the practical limits of Section 75 protection on commercial cards.
Business Loans UK: A Complete Guide
UK business loans explained. Term loans, revolving credit, secured and unsecured options matched in one application across 50+ lenders including iwoca, Funding Circle, Nucleus Commercial Finance and OakNorth. Soft credit check at matching, indicative offers in hours and funding from £1,000 to £25 million depending on the lender, security and trading history.
Green Finance for UK SMEs: Fund Sustainability Projects
Green finance for UK SMEs explained. How green loans work, what projects qualify (solar, EV, heat pumps, insulation), typical sizes and rates and how to apply across Fundably's 50+ panel in one application. Includes asset finance and term loan options from lenders such as iwoca, Funding Circle, Nucleus Commercial Finance and OakNorth, plus signposting to government-backed schemes.
Invoice Finance: Release Cash From Invoices (UK)
Invoice finance for UK businesses explained. Factoring versus discounting, advance rates of 80 to 95%, typical fees and how to compare offers across Fundably's 50+ lender panel. Covers Triver as the flagship same-day single-invoice option, alongside iwoca and traditional whole-book providers, with eligibility from three months trading and a soft credit check at matching.
Property Finance UK: Commercial, Bridging & Development
UK property finance explained. Commercial mortgages, bridging loans, development finance and refinancing matched across 50+ lenders including Barclays and Lendco. Covers loan-to-value limits, stress tests, typical rates and timelines for owner-occupied, investment and mixed-use property. One soft-search application across Fundably's panel returns indicative terms from multiple lenders within 24 to 48 hours.
R&D Tax Credits UK: Access the Cash Early
UK R&D tax credits explained. Who qualifies, how much they're worth under the merged scheme and how Buzz Capital advances up to 85% of your HMRC claim while Accountancy Cloud prepares the claim itself. Covers eligibility, typical claim sizes by sector, advance pricing and how Fundably connects accountants and founders to both partners in a single introduction.
Video Games Tax Relief & VGEC: A UK Studio's Guide
VGTR has been replaced by the Video Games Expenditure Credit (VGEC) from 1 April 2025. What UK game studios get under the new scheme (34% gross and 25.5% net), how the BFI Cultural Test works and how to fund development while waiting for HMRC, with working capital options across Fundably's 50+ panel including iwoca, Funding Circle and Triver.
Working Capital Finance for UK Businesses
UK working capital finance explained. Overdrafts, short-term loans, invoice finance and trade credit, when to use each and how to compare offers across Fundably's 50+ lender panel. Covers fast options like iwoca and Funding Circle FlexiPay alongside Triver for invoice finance, with eligibility from three months trading and a soft credit check at matching.
Embedded Finance
3 guidesEmbedded Lending Revenue Models: How Platforms Get Paid
Guide to embedded lending revenue models for UK platforms: revenue share, net interest margin, referral fees and hybrid models. Worked examples comparing the broker-arranger model (up to 30% revenue share via Fundably) with single-lender NIM share (such as YouLend), payment timing, minimum volumes and exclusivity terms to look for in an embedded lending partner.
What Is Embedded Finance? A Guide for Platforms
A plain-English explanation of embedded finance for UK platforms. Covers what it is, how it works and the six main product categories: lending, payments, insurance, banking, investment and wealth. Practical examples of integrated financial products, the structural enablers (open banking, BaaS, FCA evolution) and which category generates the most revenue for B2B platforms.
What Is Embedded Lending? A Guide for UK Platforms
Plain-English guide to embedded lending. What it is, how UK platforms use it to earn revenue share on SME funding and how Fundably enables multi-lender embedding via iFrame, Web Component or API. Covers approval rate impact, commercial models and integration timelines, with a panel of 50+ lenders including iwoca, Funding Circle, YouLend and Outfund.
Compare
3 guidesCapitalise Alternative: Why Accountants Choose Fundably
Fundably and Capitalise compared for UK accountants. Covers subscription fees, commission rates, lender panel, portal features and why zero-fee partners often earn more with Fundably. Explains Capitalise's tiered subscription model, the impact on net commission per deal, Fundably's embedded integration options across iwoca, Funding Circle, YouLend and Triver and key decision factors for accountancy firms.
Capitalise vs Fundably vs Swoop: Which Is Best?
A three-way comparison of Capitalise, Fundably and Swoop for UK accountants. Covers commission rates, fees, lender panels (iwoca, Funding Circle, Nucleus Commercial Finance, YouLend), portal features and which platform suits different firm types. Breaks down each platform's commercial model, subscription costs, embedded integration capabilities and how to choose based on client profile and revenue ambition.
Swoop Funding Alternative: How Fundably Compares
Swoop Funding and Fundably compared for UK accountants and platforms. Covers commission rates, product breadth, integration options (REST API, Web Component, iFrame) and which is better for pure lending referrals versus broader funding advisory including grants and equity. Explains transparent commission, the 50+ Fundably panel including iwoca, Funding Circle, YouLend and Triver and when each platform fits best.