Welcome to Funding Bay, helping UK SMEs unlock cash tied up in unpaid invoices and gain fast access to funds to pay suppliers, take on more work, and grow without waiting weeks to get paid.
© Funding Bay
Funding Bay is an FCA-regulated finance broker helping UK SMEs access flexible and affordable funding. With strong lender relationships and a simple, transparent approach, we make business financing easier and more accessible. Helping your business grow is at the heart of what we do.
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Invoice Discounting That Puts Your Cash Back in Your Hands
Your FCA Regulated Partner
Why Choose Us?
Broker Negotiated Rates
240+ Lender Network
Fast Funding Turnaround
Client-First Negotiation
Business Financing, Simplified with Invoice Discounting
Clear and Simple Process - We take the complexity out of invoice discounting and guide you every step.
Advice That Puts You First - We recommend what truly suits your business, not what benefits lenders.
Straightforward, Honest Support - No pressure, no jargon, just transparent guidance you can trust.
Invoice Discounting lets you unlock cash tied up in unpaid invoices—without changing the way you deal with your customers. Borrow up to 90% of your outstanding invoices confidentially, maintain control of your sales ledger, and boost working capital while keeping your business running smoothly.
Funding Bay has been supporting UK businesses in securing the right finance since 2017. From our base in the UK, we’ve built trusted relationships with more than 240 lenders and helped raise over £100 million in funding for SMEs.
Our team brings together expertise, transparency, and genuine commitment to helping businesses grow. We keep things straightforward, remain approachable, and ensure you always have a clear understanding of your options.
Partnering with us means working with a reliable team that puts your business first and strives to secure the most suitable funding for your needs.
Cash Flow Boost
Convert future receivables into immediate working capital without significantly impacting your balance sheet
Secure Cash Flow Support Today
Complete our simple form in just 1 minute. Get matched instantly to trusted lenders across the UK and grow without delay.
Secure Cash Flow Support Today
Complete our simple form in just 1 minute. Get matched instantly to trusted lenders across the UK and grow without delay.
Managing bills shouldn’t be a hassle. We make it easy to handle all your home services in one place: simple, seamless, and rewarding.
Scales With Growth
Your facility grows as your invoicing increases, flexing up to 50% or more as your business expands.
Director Protection
Secured against your debtor book rather than personal assets, reducing personal liability versus unsecured loans
Our Simple 3-Step Process
Initial Consultation
Begin by providing us with some basic information through our user-friendly form.
Get Matched Instantly
We match you with lenders who fit your needs and negotiate rates on your behalf.
Access Your Funds
Once approved, you can draw cash against your invoices whenever you need it.
First-rate service: I contacted Margaux, my account manager, at Funding Bay, as we needed some additional borrowing to cover cash flow. She quickly secured us the funding we needed and checked in regularly throughout the process to ensure it went smoothly. Would recommend her and Funding Bay for your business's financial needs.
Janine Fletcher
I’ve just used Funding Bay to help with some finance for growth, and they’ve been great from start to finish. I was working with a guy called Jesse Cole, and he was spot on the whole way, listened to our requirements, made it simple and personable, and was a great guy to deal with, and I would have no hesitation in recommending him and Funding Bay as a whole for any finance you need. From start to finish, we were paid out in 2 business days. Very happy customer.
Marc
I had an excellent experience working with Funding Bay. From start to finish, their team was professional, knowledgeable, and incredibly responsive. What really stood out was their transparency and clear communication throughout the entire process. I highly recommend them to any business owner looking for reliable funding solutions and top-tier customer service.
Lexi
Dylan provided excellent service, as well as clarity about what’s needed. He was efficient in a short space of time and went through everything thoroughly. I appreciate it so much, and I am very thankful to Dylan and the way he conducted himself. I highly recommend Funding Bay for any financial assistance you may need.
Britney
What a first-class experience today – knowledgeable and extremely efficient staff guided me through a seamless process. A company that does what it says it will.
Sally Barringer
Margaux has helped me with many deals and is always very efficient and professional. I highly recommend it!!
Michael
Partnership Approach
Work with lenders who understand your business and support long-term growth.
Who's Eligible? Invoice discounting suits businesses with over 2 years of trading history, invoicing customers for businesses and consistent sales ledgers, including seasonal businesses and those with varied credit profiles.
Key Benefits:
Access Up to 90%
Borrow up to 70-90% of invoices upfront; the facility flexes as payments clear and new invoices grow with you.
Retain Control
With CID (Confidential Invoice Discounting), you control credit and chasing; the lender stays hidden and customers never know they're involved.
Simple Process
Invoice as usual; payments go to a lender-managed trust in your name, keeping customer ties seamless.
