FundOnion
- Company typePrivate
- Founded2022
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What FundOnion does
FundOnion is a London-based commercial finance comparison and brokerage platform that matches UK SMEs with business lenders. Founded in 2022, the company operates a self-serve web application built on Bubble.io that uses a proprietary decision engine to filter and rank eligible lenders based on a business's trading history, turnover, and funding requirement (£10K–£5M). The platform exposes rates and terms from a lender panel that includes Lloyds Bank, iwoca, YouLend, and Ultimate Finance, and is layered with a sales-assisted broker function staffed by Associate Brokers who help applicants navigate complex funding cases. FundOnion complements the matching product with a Data Analytics Dashboard that uses automated processing to generate risk indicators, financial health scores, and benchmarking outputs, and integrates with Plaid Financial Limited (under which it operates as an FCA-regulated agent) to enable secure financial data connectivity.
FundOnion earns revenue exclusively through commission paid by lender partners on successful introductions; the platform is free for businesses, with no obligation and no impact on credit scores during comparison. The company is structured as a group with FundOnion Group Holdings Limited as the parent and operating subsidiaries spanning the brokerage business (FundOnion Limited), technology (FundOnion Technologies Limited), payments (FundOnion Pay Limited), and capital provision (FundOnion Capital Limited). To date, FundOnion has facilitated over £700M in funding applications from 8,500+ UK SME users and reports that customers are 2.26 times more likely to secure funding than the industry average. The customer base is entirely UK-based, and the go-to-market combines product-led self-service with content marketing, broker outreach, FSB membership, and British Business Bank partnership association.
FundOnion firmographics
Firmographics- Name
- FundOnion
- Legal name
- FundOnion Limited
- Website
- https://fundonion.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
FundOnion industry classification
Industry- Product category
- Commercial Lending Marketplace
- NAICS
- Sales Financing (52222)
- SIC
- Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Buy Now, Pay Later (BNPL) (CRAFALAD)
- akta.pro secondary industries
- Impact Investment & Development Investment Funds (BPADACAO), SME/Industrial Development Banks (FSABAKAF)
Keywords
Where FundOnion is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
FundOnion business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Commission from Lenders: FundOnion operates as a free-to-use platform for businesses. Revenue is generated through commissions paid by partner lenders when introductions result in successful funding. The cost to users is typically the same as if they had gone direct to the lender.
- Brokerage Services Commission: For brokerage services assisting businesses in accessing funding from the lender panel, FundOnion receives commission from lenders for successful introductions. Commission amounts vary and can be provided upon request.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Others | Free platform access with no hidden costs or obligations |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
FundOnion product offering
Product offeringCore offering
FundOnion is a free-to-use business finance matching and brokerage platform for UK SMEs. Businesses complete a digital journey, and a proprietary decision engine instantly filters eligible lenders from a panel that includes Lloyds Bank, iwoca, YouLend, and Ultimate Finance. FundOnion also provides human commercial finance brokerage services for personalized support, earning commission from lenders for successful introductions.
Product overview
FundOnion is a business finance comparison and brokerage platform positioned as a self-select matching platform for SMEs. The core offering is the Business Finance Matching Platform, which uses a proprietary Decision Engine to match businesses with relevant lenders in under 90 seconds. The platform enables comparison of various funding types including Long-Term Loans, Short-Term Loans, Emergency Loans, Secured Loans, Unsecured Loans, Invoice Finance, and Asset Finance. Additional services include a Data Analytics Dashboard that uses automated processing to generate financial health scores and risk indicators. FundOnion operates as a free-to-use platform, earning commissions from lender partners for successful introductions.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Finance Matching Platform
Quantifiable outcome
- 2.26x higher likelihood of funding approval compared to industry average (2024 customer data)
- +2 more outcomes
Companies that use FundOnion
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles1 record
FundOnion technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability2 records
Feature2 records
FundOnion partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- British Business BankcorePartnership displaying British Business Bank logo on FundOnion platform. British Business Bank is a government-backed entity supporting SME finance in the UK. This partnership signals credibility and association with trusted financial institutions.
- Plaid Financial LimitedcoreFundOnion Technologies Limited is an agent of Plaid Financial Limited, an authorised payment institution regulated by the FCA. Plaid provides regulated account information services through FundOnion as its agent, enabling secure financial data connections.
- Federation of Small Businesses (FSB)coreFundOnion is an accredited FSB member, providing visibility and credibility within the UK small business community. FSB membership demonstrates commitment to serving SMEs.
- Great British Entrepreneur AwardsminorFundOnion participates in GBEA events and networking opportunities. Team members attend awards to connect with entrepreneurs and businesses seeking funding solutions.
- British Pest Control AssociationminorBPCA partnership logo displayed on FundOnion website, indicating cross-industry partnership and credibility building within business communities.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
FundOnion competitors and assessment
Company assessmentDirect peers
- LendingCrowd: UK-based P2P lending platform for SMEs offering business loans funded by individual and institutional investors. Comparable in serving UK SMEs seeking business funding.
- Funding Circle: UK-listed direct lending platform for SMEs offering business loans through a digital application and underwriting process. Comparable as a UK SME finance platform targeting the same customer segment with overlapping lender products.
- Swoop: UK-based business finance marketplace connecting SMEs with lenders across loans, invoice finance, asset finance, and equity. Direct peer offering similar matching services to the same UK SME customer base.
- Funding Options: UK business finance comparison platform helping SMEs find funding from a panel of lenders. Direct competitor operating in the same SME-lender matching category.
- Capify: UK-based alternative lender and broker offering business loans and merchant cash advances to SMEs. Comparable in serving the same UK SME funding market with similar loan product types.
- ThinCats: UK peer-to-peer lending platform providing business loans to SMEs. Comparable as a UK-based SME finance platform connecting borrowers with capital providers.
Broad incumbents
- iwoca: UK-based fintech lender offering small business loans up to £1M. While also a FundOnion lender partner, iwoca is a broader incumbent that lends directly to SMEs and could disintermediate brokers over time as it builds its own direct-to-SME brand.
- Tide: UK digital business banking platform serving SMEs with current accounts and integrated financial services. Broader incumbent that could expand into SME lending and adjacent financial services over time.
- Starling Bank: UK digital challenger bank offering business banking accounts to SMEs. Broader incumbent with the potential to expand into SME lending and adjacent finance products.
- Atom Bank: UK app-based challenger bank offering business savings and lending products. Broader incumbent in the UK SME finance market with overlapping customer base and product suite.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
FundOnion social profiles
Digital presenceFundOnion compliance and trust
Trust signalCompliance2 records
FundOnion financial estimates
Financial estimateRevenue estimate
Valuation estimate
FundOnion leadership team
Management profileNumber of profiles
Profiles8 records
FundOnion subsidiaries and ownership
Company hierarchySubsidiaries4 records
FundOnion funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FundOnion M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FundOnion
What does FundOnion do?
FundOnion is a free-to-use business finance matching and brokerage platform for UK SMEs. Businesses complete a digital journey, and a proprietary decision engine instantly filters eligible lenders from a panel that includes Lloyds Bank, iwoca, YouLend, and Ultimate Finance. FundOnion also provides human commercial finance brokerage services for personalized support, earning commission from lenders for successful introductions.
Is FundOnion a public or private company?
FundOnion is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was FundOnion founded?
FundOnion was founded in 2022. It employs 11 to 50 people.
Where is FundOnion based?
FundOnion is headquartered in London, United Kingdom, in the Europe region.
How does FundOnion make money?
Two revenue lines are on record. Commission from Lenders are the primary driver. The others are brokerage Services Commission.
Who are FundOnion's main competitors?
Direct peers on record are LendingCrowd, Funding Circle, Swoop, Funding Options, Capify and ThinCats. Broad incumbents are iwoca, Tide, Starling Bank and Atom Bank.
Does FundOnion have an API?
No public API is recorded for FundOnion.
What industry is FundOnion in?
FundOnion's product category is Commercial Lending Marketplace. Its primary akta.pro industry code is CRAFALAD, Buy Now, Pay Later (BNPL), with a secondary code of BPADACAO, Impact Investment & Development Investment Funds. Its NAICS code is 52222 and its SIC code is 6163.