What Fundably does

Fundably (legal entity: Goodloans Limited, company number 12482742) is a UK-based embedded SME lending platform founded in 2020 by Zak Nason (CEO) and Dr. Ioannis Begleris (CTO). The company operates a multi-lender matching engine that connects UK limited companies to a panel of 50+ lenders through a single application, covering term loans, invoice finance, revenue-based finance, merchant cash advances, credit lines, business credit cards, asset finance, and R&D tax credits. The platform performs a soft credit check at the matching stage — which does not impact the applicant's credit score — and applies a cascade routing model whereby a decline from one lender automatically routes the application to the next-best-fit option. Underwriters at Fundably retain a human review layer for complex cases; the company states 90% of the commercial finance broking process is automated.

The technology stack is a cloud-based REST API architecture exposed through three integration tiers: a full REST API for custom programmatic integration (api.partners.fundably.com/docs), a pre-built `` Web Component distributed via NPM as `@fundably/connect` and compatible with React, Vue, Angular, Svelte, or plain HTML, and a no-code iFrame embed that can be deployed inside any CMS within 48 hours. All three tiers support full white-labelling, and a free partner dashboard (partners.fundably.com) plus a direct-to-business application portal (app.fundably.com) complete the front-end surface.

Fundably generates revenue as a commercial finance broker, earning commission of 1–5% of gross loan amount from lenders on funded deals, averaging approximately £2,000 per deal. Partners (accountants, fintechs/SaaS platforms, affiliates) receive up to 30% of that commission with zero setup fees, zero monthly fees, and no minimum volume commitments; commission is paid within 14 days of deal completion. The company is a full member of the NACFB (National Association of Commercial Finance Brokers), ICO-registered (ZB024107), and has received investment from Google, Tom Blomfield (founder of Monzo), Octerra Capital, and Venista Ventures.

Name

Fundably

Legal name

Goodloans Limited

Website

https://fundably.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Fundably is a UK-based embedded SME lending platform that connects UK limited companies to 50+ lenders through a single soft-credit-check application, earning broker commission on funded deals and sharing up to 30% with accountant, fintech, and affiliate partners.

Ownership category

akta.pro rank

Product category

Embedded SME Lending Platform

NAICS

Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Lending & Working Capital Platforms (FSAGAJAA)

akta.pro secondary industries

P2P Small Business / SME Marketplace Lending (FSAKAHAC), SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• SME lending platform
• Multi-lender matching
• Embedded lending API
• Commercial finance broker
• Business funding aggregator

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Commission from Lenders (Partner Revenue Share): Fundably acts as a commercial finance broker and is paid commission by lenders when deals complete through the platform. Partners (accountants, fintechs, affiliates) receive up to 30% of the commission Fundably earns from lenders. Commission averages around £2,000 per funded deal but ranges from £100 on small deals to £10,000+ on large ones. No caps, no minimum volumes, no monthly fees. Paid within 14 days of deal completion.
2. Business Application Revenue (Platform Fee): Free for businesses to apply, get matched, and review lender options. Fundably earns only when a business is funded. On certain products, a small broker arrangement fee may be charged, always disclosed before commitment.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

Fundably operates an embedded SME lending platform that matches UK limited companies to 50+ lenders through a single application, with partners (accountants, fintechs/SaaS platforms, and affiliates) able to embed or refer lending via REST API, Web Component, iFrame, or a free partner portal. The company earns commission from lenders on funded deals and shares up to 30% of that commission with partners, paying within 14 days.

Product overview

Fundably is an embedded SME lending platform operated by Goodloans Limited. The core offering is a multi-lender matching platform that connects UK businesses to 50+ lenders through a single application. The product portfolio includes the Fundably Application (for businesses seeking funding), the Partner Portal (for accountants, fintechs, and affiliates to earn commission), and three integration methods: API Integration, Web Component (@fundably/connect), and iFrame Embed. The platform covers 8+ product types including term loans, invoice finance, merchant cash advances, revenue-based finance, credit lines, business credit cards, asset finance, and R&D tax credits. The commercial model offers partners up to 30% commission on funded deals with zero setup fees and zero monthly costs. The company also provides an educational SME Lending Guides resource with 25+ articles.

Differentiator

Problem solved

Functional benefit

Products and services

• Fundably Business Funding Application Single application form that matches UK limited companies to 50+ lenders across term loans, invoice finance, revenue-based finance, merchant cash advances, credit lines, business credit cards, asset finance, and R&D tax credits. Takes under 5 minutes with a soft credit check at the matching stage only and no commitment.
• Fundably Partner Portal Free partner dashboard for accountants, fintechs, and affiliates to check client eligibility, send invitations, submit referrals, and track application status and commission earnings in real time. No technical integration or FCA authorisation required.
• Fundably REST API Full REST API enabling platforms and fintechs to submit applications, retrieve lender matches, and manage the entire lending journey programmatically. Designed for custom integrations with dedicated support for platforms integrating at scale and full white-labelling.
• Fundably Connect Web Component Drop-in web component for React, Vue, Angular, Svelte, or plain HTML. Fully customisable, white-label ready, with auto-resize capability, distributed via the @fundably/connect NPM package.
• Fundably iFrame Embed No-code embed option allowing partners to copy a single iframe tag to add Fundably's lending widget to any website or CMS, including WordPress, Webflow, Squarespace, Wix, and Shopify.
• R&D Tax Credit Claims Co-service with Accountancy Cloud to prepare and submit R&D tax credit claims to HMRC, with funding advances of up to 80–85% of the expected payout within 2–4 weeks via flagship lender Buzz Capital.

Quantifiable outcome

• Partners save £1,140–£4,740/year in subscription fees by switching from paid broker platforms
• +6 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• BluechaincoreChannel Partner/ Reseller/ DistributorBluechain is a supply chain finance platform that embedded Fundably's iFrame widget into their platform (one tag, zero engineering). Within 30 days, Fundably drove 20% of Bluechain's platform revenue. Bluechain earns commission on every funded deal from their users. Case study featured prominently on Fundably's homepage.
• Accountancy CloudcoreChannel Partner/ Reseller/ DistributorAccountancy Cloud added Fundably as a referral channel for their SME clients. Partners identify clients needing working capital, growth finance, or cash flow support, and earn up to 30% commission on every funded deal with zero operational overhead. Featured as a case study partner.
• 50+ UK Lenders (Lender Panel)coreChannel Partner/ Reseller/ DistributorFundably's lender panel includes 50+ UK lenders: OakNorth Bank, iwoca, Funding Circle, Triver, YouLend, Allica Bank, Barclays, Lenkie, Nucleus Commercial Finance, Outfund, Uncapped, Capital on Tap, Cubefunder, Buzz Capital, Lendco, and others. Lenders pay Fundably a commission (typically 1–5% of gross loan amount) when deals complete. Fundably routes applications to the best-fit lender based on eligibility matching.
• Accountancy Cloud (R&D Tax Credits)minorStrategic or Co-development PartnerFundably partners with Accountancy Cloud to prepare and submit R&D tax credit claims for businesses. Accountancy Cloud handles the technical narrative and claim submission to HMRC. This is a co-service partnership within Fundably's product offering.
• Buzz Capital (R&D Tax Credit Advances)minorChannel Partner/ Reseller/ DistributorBuzz Capital is Fundably's flagship lender for R&D tax credit advances, advancing up to 80–85% of the expected HMRC payout within 2–4 weeks. Fundably routes businesses with R&D credit needs to Buzz Capital as part of its 50+ lender panel.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• iwoca: UK-based SME lender providing working capital loans and credit lines. While iwoca is also a lender on Fundably's panel (and was the matched lender for Bluechain's first funded deal), it operates its own direct broker/partner programme and is a primary competitor for SME lending demand. Dual role as both supplier and competitor creates conflict risk.
• Uncapped: UK-based revenue-based finance provider for SMEs and e-commerce businesses, with embedded lending partnerships. Direct peer in the UK embedded SME lending space. Also functions as a lender on Fundably's panel.
• Outfund: UK revenue-based finance provider for SMEs with an embedded finance offering for SaaS and marketplace platforms. Direct peer in the embedded SME lending/partner channel space. Also functions as a lender on Fundably's panel.
• Capitalise: UK SME funding platform that matches businesses to lenders and partners with accountants and advisors. Fundably's comparison content explicitly benchmarks against Capitalise on subscription fees (£0–£395/mo), commission rates, and lender panel size. Closest direct competitor in the UK accountant and platform channel.
• Swoop Funding: UK-based SME funding marketplace connecting businesses to multiple lenders via a single application. Directly comparable to Fundably across target market (UK SMEs), product offering (multi-lender matching across term loans, invoice finance, asset finance), and partner programme (accountants and advisors). Fundably explicitly positions against Swoop on commission rates and zero-fee pricing.
• YouLend: UK embedded finance platform offering revenue-based finance and business lending to SMEs via APIs and partner integrations. Highly comparable in the embedded lending/partner channel model that Fundably targets. Also functions as a lender on Fundably's panel, creating the same dual-supplier-competitor dynamic as iwoca.

Broad incumbents

• Tide: UK business banking platform serving SMEs with integrated current accounts, invoicing, and increasingly business lending via partner integrations. Comparable in the embedded SME finance distribution layer and as a potential channel partner for Fundably's lending products.
• OakNorth Bank: UK commercial bank providing SME and mid-market business loans. Functions as both a lender on Fundably's panel and a broad incumbent in UK SME lending with a large direct origination capability. Comparable in customer profile (UK SMEs) but operates a deposit-funded balance-sheet model rather than brokerage.
• Funding Circle: UK-listed SME lending marketplace with a large direct lender panel and partner ecosystem. Functions both as a lender on Fundably's panel and as a broad incumbent in UK SME lending. Comparable in customer segment (UK SMEs) and product categories (term loans, business credit) but operates at materially larger scale.

Regional players

• Allica Bank: UK challenger bank focused on SME lending and current accounts. Functions as both a lender on Fundably's panel and a broad UK incumbent in SME finance. Comparable in customer segment and product set (asset finance, term loans) but operates its own balance-sheet origination.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/fundably
• Facebookfacebook.com/fundably

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fundably