Working capital for your limited company — fast, and straight with you
Solvo funds many advances of £10,000 to £75,000 from its own book, usually within 24–72 hours of your final documents. Other facilities — larger amounts, term loans, and deals better suited to a partner — are arranged through our lending partners.
- Where we fund it ourselves, one decision, made in-house
- A fixed total cost agreed before you sign — 20 or 26 weeks
- A 5% arrangement fee is deducted from your advance at funding
About 3 minutes · No obligation · Limited companies & LLPs only
Both terms are on the same £50,000 advance. A 5% arrangement fee is deducted at funding, so £47,500 reaches your account. See full pricing.
Illustrative on a £50,000 advance, after the 5% arrangement fee. Not a quote or an offer.
From application to funds. The legwork happens behind the scenes.
No paperwork mountain, no waiting weeks for a bank committee. Tell us about your business once — we do the legwork.
Apply in 3 minutes
Tell us about your company and how much you're looking to raise. No documents needed at this stage, and applying won't commit you to anything.
We underwrite it ourselves
Your application goes to our own underwriters first. We read your bank statements and come back to you — usually the same working day, with a straight answer and a price. Where a deal suits one of our lending partners better than our own book — a larger amount, a term loan, or the shape of the deal — we say so and arrange it with them. Either way we tell you which route yours is taking before you sign.
You choose — funds in 24–72h
Review your offers side by side and pick the one that works for you — or walk away. Once you accept and final documents are in, funds typically arrive within 24–72 hours.
No cost to apply. No obligation to accept any offer.
Two straightforward ways to raise working capital.
Both are designed for trading businesses that need capital quickly — for stock, staff, tax bills, refurbishment or growth.
Merchant Cash Advance / Revenue-Based Finance
Fixed weekly repayment, over 20 or 26 weeks
An advance against your future revenue, repaid by fixed weekly Direct Debit over a term you choose. You know the exact amount and the exact end date before you sign: £3,700 a week for twenty weeks, or £2,981 a week for twenty-six, on a £50,000 advance.
- Choose 20 weeks or 26 weeks — a known end date on day one
- Fixed weekly Direct Debit, so you can plan around it
- One fixed total cost agreed up front — no compounding interest
- Well suited to businesses with strong card, online or invoiced sales
How factor-rate pricing works: the total cost is a fixed multiple agreed before you sign, not an interest rate that runs. On a £50,000 advance a 5% arrangement fee is deducted at funding, so £47,500 reaches your account. Over 20 weeks at a 1.48 factor you repay £74,000 — £3,700 a week. Over 26 weeks at 1.55 you repay £77,500 — £2,981 a week. Shorter costs less in total, longer costs less each week. See full pricing.
Unsecured Business Loans
Predictable, fixed monthly repayments
A straightforward term loan for your company, with a fixed monthly repayment so you always know exactly where you stand.
- Terms from 1 to 5 years
- Fixed monthly repayments — simple to budget for
- Arranged through our lending partners; most ask for a director's personal guarantee
- Funds in as little as 24–72 hours once approved
Good to know: most lenders allow early repayment, and many reduce the total cost if you settle early. Terms vary by lender — we'll flag the differences when you compare offers.
Availability and pricing depend on each lender's assessment of your business. We can't guarantee that any lender will make an offer, and we don't claim to be cheaper than any other route.
The pounds, the percentage, and the figure it is calculated on.
Where we lend, an arrangement fee of 5% of the advance is deducted at funding. Where we introduce you to a lending partner, you pay us nothing and the lender pays a commission on funded deals — typically 2%–6% of the amount advanced, higher on merchant cash advance and some specialist facilities.
We publish no upper figure, because we won't publish a ceiling we can't stand behind. Instead you get all three numbers in writing, on every deal, before you accept anything — without having to ask.
Whatever you need it for, one application covers it.
These are the reasons UK companies most often raise working capital. Pick yours in the application — it helps us match you with the right lenders.
Growth & expansion
Open a new site, take on staff, or push into new markets while the opportunity is there.
Cash flow & working capital
Bridge slow-paying invoices so staff, suppliers and rent are always paid on time.
Stock & inventory
Buy stock at the right moment — before the season, the price rise or the big order.
Equipment & vehicles
Replace or upgrade the kit your business runs on — ovens, vans, machinery, laptops.
Tax bills
Spread a VAT or Corporation Tax bill instead of draining the account in one hit.
Marketing & new contracts
Fund the campaign, the tender or the mobilisation costs that win the next contract.
Who we can help.
The UK business lenders we work with lend to established, incorporated UK businesses. These four are our minimum — meeting them isn't the same as being approved, it's the point at which it's worth applying:
Please note: we work exclusively with incorporated businesses (Ltd / LLP). We are unable to assist sole traders or partnerships.
Check your funding options.
Three minutes, no documents, no obligation. We'll come back to you — usually the same working day.
No cost to check your options, and no obligation. If we fund you, a 5% arrangement fee is deducted from the advance (how we're paid).
Application received
Thanks — we've got your details. Nir will be in touch shortly, usually the same working day.
Your reference: — quote this if you get in touch.
Need us sooner? Call Alex on +44 7462 180375 or email nir@solvofunding.co.uk. You can also go through the same questions with Alex, our AI assistant, on +44 7462 180375 — an automated line, and those calls are recorded.
Plain-English guides to business funding.
No jargon, no sales pitch — just how this market actually works, so you can decide with your eyes open.
Business loan vs revenue-based finance
Fixed monthly repayments or a percentage of your sales? How the two products differ, and which suits which business.
Read the guide → ProcessHow fast is business funding, really?
What "funds in 24–72 hours" actually means, step by step — and what can slow an application down.
Read the guide → EligibilityBusiness funding eligibility in the UK
The checklist lenders actually use — trading history, turnover, bank account conduct — before you spend time applying.
Read the guide →Free guide: The UK SME Funding Guide
A plain-English walkthrough of unsecured business funding for UK limited companies — written to be read in fifteen minutes.
- The main funding products, and who each one suits
- What lenders look at before they say yes
- How pricing and broker commissions really work
- Red flags to watch for anywhere you apply
Questions, answered plainly.
What does this cost me?
Nothing to apply, and nothing to receive an offer. If you go ahead and we are the lender, an arrangement fee of 5% of the advance is deducted at funding — on a £50,000 advance you receive £47,500 — and you repay a fixed total agreed before you sign. At a 1.48 factor over 20 weeks that is £74,000, in weekly payments of £3,700; total cost £26,500 on the £47,500 you receive. There is no compounding interest, but the total is fixed from day one, so repaying sooner does not reduce it. Where we introduce you to one of our lending partners instead, you pay us nothing and the lender pays our commission — typically 2%–6% of the amount advanced, and we tell you the amount in pounds before you accept. Full pricing.
How fast can funds arrive?
Business lenders in this market typically give a decision within hours of receiving a complete application. Once you accept an offer and final documents are signed, funds usually land within 24–72 hours. Larger or more complex cases can take longer.
Will you credit-check my company or me?
Where we are the lender, yes — we do it ourselves. We start with a soft search on the company and its directors, which does not affect anyone's credit score and does not show to other lenders. If we go to a formal offer and you accept it, we record a hard search. One hard search is normal; several in a short period can pull a score down, which is one reason we do not shop your file around. We also read 3–6 months of business bank statements, usually through a secure open banking connection.
What documents will I need?
Usually just your last 3–6 months of business bank statements. For larger amounts, lenders may also ask for filed or management accounts and recent VAT returns. Nothing is needed to submit the initial application.
Are you a lender?
Yes — for advances between £10,000 and £75,000, Solvo Funding often lends its own money, with the credit decision made in-house. Other facilities we arrange with one of our lending partners — which route a deal takes depends on the deal itself, and we tell you which it is before you sign. We act as an introducer when we arrange the facility with one of our lending partners. We always tell you which of the two we are doing on your deal before you accept anything, and where we are introducing you we tell you what we are paid. We do not provide advice or recommendations — the choice is always yours.
How do you get paid?
Two ways, depending on your deal. When we lend to you, we make our money on the arrangement fee and on the difference between what we advance and what you repay — both are on your agreement before you sign. When we introduce you to a lending partner, that lender pays us a commission, typically 2%–6% of the amount advanced, and we tell you the amount in pounds before you accept. Separately, if an accountant or broker introduced you to us, we may be paying them a commission on your deal — ask and we will tell you what it is.
There's one exception worth understanding. On a revolving credit line, an overdraft-type facility, or any facility with an approved limit you draw against in part, the commission is calculated on the approved limit and not on the amount you draw. So on a £70,000 revolving line at 5%, our commission is £3,500 whether you draw the full £70,000 or only £20,000 — and on a £20,000 drawdown that is 17.5% of the money you actually received, even though the rate is 5%. That's something we tell you, not something you should have to work out.
On merchant cash advance, revenue-based finance and some specialist facilities, commission may be higher than 6%.
We publish no upper figure, and there is no ceiling of any kind. We'd rather publish nothing than a maximum we can't stand behind. What you get instead — on every deal, in writing, before you accept anything, without having to ask — is three things: the amount in pounds, the percentage, and the figure that percentage is calculated on. All three. A percentage on its own isn't disclosure, and we don't treat it as one.
My company is under 6 months old, or turnover is below £25k a month. Can you help?
Usually not yet — we need six months of real trading and around £25,000 a month coming through the business account. If you are close to those numbers, apply anyway and we will be straight with you about whether we can help.
Do you work with sole traders or partnerships?
No. We work exclusively with incorporated businesses — UK limited companies and LLPs — and we're unable to assist sole traders or partnerships. This is a firm rule, not a preference.