Cubefunder
Cubefunder is a UK FCA-authorised SME lender (Tallaght Financial Ltd) offering unsecured business loans of £5,000–£100,000 to Limited Companies in England and Wales, combining Open Banking-based affordability checks with hybrid human underwriting via direct, broker, and API channels.
- Company typePrivate
- Founded2019
- HeadquartersWindsor, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Cubefunder does
Cubefunder, trading as Tallaght Financial Ltd (FCA FRN 786297), is a UK-based SME lender headquartered in Windsor. The company originates unsecured business loans of £5,000 to £100,000 to Limited Companies registered in England and Wales that have traded for at least three months and generate £4,000+ in monthly revenue; it also lends up to £10,000 to Sole Traders. It has cumulatively deployed £45M+ to 1,700+ businesses and positions itself as a fast, flexible alternative for SMEs — including those declined by high-street banks — with funds typically transferred within 48 hours of approval. The product suite covers Small/Short-Term/12-Month/Unsecured Business Loans, E-Commerce Business Loans and a Merchant Cash Advance Alternative, plus sector-specific funnels for hospitality, construction, retail, salons, dental/optical, automotive, hotels/B&B, and manufacturing/wholesale.
The underwriting stack combines technology and human judgement. Open Banking via Consents Online (FCA-authorised) supplies 90 days of read-only business bank transaction data; Codat, Equifax, Creditsafe, and Heron Data feed affordability, credit, AML, and accounting checks; the Fraud Finder API (Homeppl) performs document-fraud and tampering analysis on submitted bank statements. A Broker Portal plus a live API integration (notably with LoanTube, whose monthly funded value tripled post-integration) automates inbound flow alongside direct online application, phone-based inside sales (30-minute callback), and a managed broker panel staffed by dedicated BDMs.
The business model is straightforward lending economics: a fixed cost of credit priced per loan, tiered completion fees (e.g., £395 for £5,000–£25,000 rising to £995 for £60,001–£100,000), and broker commissions on introduced deals. Repayments are daily or weekly over 3–24 months, with no early-repayment fees and no late-payment penalties. The company is privately held, UK-domestic (England and Wales only), FCA-authorised, ICO-registered, and Cyber Essentials certified; revenue, ownership, and funding rounds are not publicly disclosed.
Cubefunder firmographics
Firmographics- Name
- Cubefunder
- Legal name
- Tallaght Financial LTD
- Website
- https://cubefunder.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cubefunder is a UK FCA-authorised SME lender (Tallaght Financial Ltd) offering unsecured business loans of £5,000–£100,000 to Limited Companies in England and Wales, combining Open Banking-based affordability checks with hybrid human underwriting via direct, broker, and API channels.
- Ownership category
- akta.pro rank
Cubefunder industry classification
Industry- Product category
- SME Lending
- NAICS
- Other Nondepository Credit Intermediation (52229), Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industries
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)
Keywords
Where Cubefunder is headquartered
LocationHeadquarters
- HQ city
- Windsor
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Cubefunder business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Loan Interest/Fixed Cost of Credit: Revenue generated from the fixed cost of credit charged on loans. Each loan is priced individually with a fixed cost and pre-agreed tailor-made repayment plan. The total fixed cost is divided by working days in the loan term for daily/weekly repayment collection.
- Completion Fees: One-time completion fees charged upon loan disbursement, deducted from the loan amount. Fee tiers: £395 (loans £5,000-£25,000), £595 (£25,001-£40,000), £895 (£40,001-£60,000), £995 (£60,001-£100,000).
- Broker Commissions: Cubefunder compensates introducing brokers with a small percentage of revenue for loans facilitated through their introductions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Loans from £5,000 to £100,000 for Limited Companies in England & Wales |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
Cubefunder product offering
Product offeringCore offering
Cubefunder provides unsecured business loans ranging from £5,000 to £100,000 to limited companies based in England and Wales. Operating under Tallaght Financial LTD, it leverages Open Banking and API integrations to deliver streamlined financing to small and medium-sized enterprises.
Product overview
Cubefunder is a UK-based SME lender offering a portfolio of unsecured business loans primarily for small and medium-sized enterprises in England and Wales. The core product is the Small Business Loan ranging from £5,000 to £100,000 with flexible repayment terms of 3-24 months. The product suite includes Short-Term Business Loans, 12-Month Business Loans, Unsecured Business Loans, E-Commerce Business Loans, and Merchant Cash Advance Alternative as distinct loan products. Sector-specific financing options include Restaurant Finance, Construction Finance, Shop Finance, Salon Finance, Dentists and Opticians Finance, Auto Garages and MOT Finance, Hotels and B&B Finance, and Manufacturing and Wholesalers Finance. The company operates through a Broker Portal platform with API integration capabilities for partner brokers. All products share common features including no early repayment penalties, flexible repayment schedules, and fixed cost of credit pricing.
Differentiator
Problem solved
Functional benefit
Products and services
- Unsecured Business Loans
Quantifiable outcome
- 21% high-risk document rate identified among submissions using Fraud Finder integration
- +3 more outcomes
Companies that use Cubefunder
Customer profileNamed customers11 records
Segments11 records
Ideal customer profiles1 record
Cubefunder technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability2 records
Feature4 records
Cubefunder partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core and minor.
- LoanTubecoreStrategic partnership with LoanTube to deliver human-centric financial services for UK SMEs. API integration enables automated application submission when Cubefunder is identified as the right lender. LoanTube's AI-powered platform pulls real-time data from Companies House, credit bureaus, and fraud detection tools. Monthly funded value tripled after API integration. LoanTube serves as a credit broker, submitting deals to Cubefunder on behalf of SME clients.
- UK FinanceminorMember of UK Finance since 2021. UK Finance is an authoritative industry body representing members providing finance, banking, markets, and payments services. Membership provides access to policy expertise, industry working groups, conferences, and collaboration opportunities.
- FinTech For All CharterminorSignatory to FinTech For All Charter (2021), an industry-led initiative to end harassment and promote diversity in FinTech. Led by InChorus and supported by Innovate Finance, FinTech Alliance, Level39, and FCA. Commitment to creating inclusive culture, ending harassment, and promoting diversity.
- Fraud Finder (Homeppl)coreIntegration of Fraud Finder's intelligent document analysis tool into Cubefunder's loan processing system. Detects digital tampering and provides fraud detection for business bank statements. Since integration, Cubefunder has identified 21% high-risk document rate among submissions. Features include font analysis technology, version history highlighting, and transaction data extraction feeding into affordability algorithms.
- NACFBcoreCubefunder is a Patron of NACFB (National Association of Commercial Finance Brokers). Provides access to commercial finance broker network. Listed as NACFB Shortlisted on brokers page. Partnership enhances credibility and distribution through broker channel.
- Queens Park Rangers (QPR)coreOfficial Platinum Partner of QPR for 2025/26 and 2026/27 seasons. Training kit sponsor and Official Sleeve Sponsor (left sleeve of first team match shirts). Partnership includes community initiatives, fan engagement, business events, and charity work (Christmas Appeal with hospital visits and food bank donations). Local connection - Cubefunder's CEO Gary was born in West London, COO Abbie's family are lifelong QPR supporters.
- Trinifold Sports ManagementminorOngoing sponsorship support for golf athletes through Trinifold Sports Management. Athletes compete on Challenge Tour, Sunshine Tour, and EuroPro Tour. Aligns with Cubefunder's ethos of supporting promising organisations with opportunities.
- Flackwell Boxing and FitnessminorCommunity sponsorship of boxing and fitness club. Helps keep sessions affordable, upgrade equipment, support fighters at events, and expand access for families. Club provides safe space for children and adults to build confidence and improve physical/mental wellbeing.
- Women in Finance CharterminorSignatory to UK government's Women in Finance Charter. Commitment to supporting women's progression into senior roles, setting internal gender diversity targets, and publishing progress annually. Currently exceeding 50% female target in senior management (71% female).
- Izzy's ImpactminorCharity partnership supporting Izzy's Impact, a melanoma awareness and prevention charity created in memory of Izzy Eagland. Hosted charity football match at Loftus Road raising over £8,000. Charity goal to raise £5,000 for the event. Supports awareness, education, and family support.
- InChorusminorInChorus leads the FinTech For All Charter initiative, working with industry bodies and FCA to address workplace harassment and promote diversity in UK FinTech.
- Consents OnlinecoreFCA-authorised Open Banking technology provider enabling secure sharing of business bank transaction data. Read-only access for 90 days of banking transactions. Critical for affordability assessments and loan underwriting process.
- Hill Dickinson LLPminorLaw firm engaged if Cubefunder cannot reach mutually agreeable arrears payment arrangement. Negotiates repayment plans on behalf of Cubefunder.
- Courtney & CourtneyminorThird-party debt negotiators engaged if Cubefunder cannot reach mutually agreeable arrears payment arrangement. ICO License Number ZB261948. Trading as Glen Courtney.
- EJ FinanceminorPartnership created by Sienna McQuade to help redirect customers who Cubefunder was unable to fund to alternative funding sources.
- Puzzle FundingminorPartnership created by Sienna McQuade to help redirect customers who Cubefunder was unable to fund to alternative funding sources.
- Nationwide FinanceminorPartnership created by Sienna McQuade to help redirect customers who Cubefunder was unable to fund to alternative funding sources.
Scale indicators8 records
Recent moves6 records
Expansion highlights7 records
Cubefunder competitors and assessment
Company assessmentDirect peers
- iwoca: UK fintech providing fast, flexible working-capital loans to SMEs via direct and embedded/broker channels, directly overlapping with Cubefunder's core unsecured business loan product and customer base.
- Fleximize: UK alternative lender offering flexible secured and unsecured business loans with tailored repayment terms, competing directly with Cubefunder for the same SME borrowers.
- Capify: UK SME funder providing business loans and merchant cash advances to small businesses, closely mirroring Cubefunder's product set and target market.
- 365 Business Finance: UK provider of revenue-based merchant cash advances to small businesses, overlapping with Cubefunder's MCA-alternative flexible repayment lending.
- Liberis: UK-based embedded and revenue-based finance provider for small businesses, comparable in product model and SME focus to Cubefunder's cashflow-linked lending.
- Nucleus Commercial Finance: UK alternative lender offering business loans and cashflow finance to SMEs through broker networks, directly comparable to Cubefunder's broker-led lending model.
Emerging players
- YouLend: Embedded revenue-based financing platform for SMEs, overlapping with Cubefunder's flexible-repayment lending and API-driven distribution approach.
- Kriya (formerly MarketFinance): UK fintech offering business credit and embedded finance to SMEs, overlapping with Cubefunder's working-capital lending and API integration strategy.
Broad incumbents
- Funding Circle: Large UK SME lending marketplace offering business term loans; a broader, better-capitalised incumbent serving the same small-business borrowers as Cubefunder.
- Capital on Tap: UK provider of business credit cards and working-capital funding to small businesses, competing for the same SME financing spend.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Cubefunder social profiles
Digital presenceCubefunder compliance and trust
Trust signalCompliance3 records
Cubefunder financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cubefunder leadership team
Management profileNumber of profiles
Cubefunder funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cubefunder 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 Cubefunder
What does Cubefunder do?
Cubefunder provides unsecured business loans ranging from £5,000 to £100,000 to limited companies based in England and Wales. Operating under Tallaght Financial LTD, it leverages Open Banking and API integrations to deliver streamlined financing to small and medium-sized enterprises.
Is Cubefunder a public or private company?
Cubefunder is a private company. It is classified as unknown and is currently operating.
When was Cubefunder founded?
Cubefunder was founded in 2019. It employs 11 to 50 people.
Where is Cubefunder based?
Cubefunder is headquartered in Windsor, United Kingdom, in the Europe region.
How does Cubefunder make money?
Three revenue lines are on record. Loan Interest/Fixed Cost of Credit is the primary driver. The others are completion Fees and broker Commissions.
Who are Cubefunder's main competitors?
Direct peers on record are iwoca, Fleximize, Capify, 365 Business Finance, Liberis and Nucleus Commercial Finance. Emerging players are YouLend and Kriya (formerly MarketFinance). Broad incumbents are Funding Circle and Capital on Tap.
Does Cubefunder have an API?
Yes. Cubefunder offers a Broker API integration that enables partner brokers to submit loan applications automatically. The LoanTube partnership demonstrates API integration where applications are sent through automatically once the system identifies Cubefunder as the right lender. Additionally, the Fraud Finder API is integrated into Cubefunder's processing system for document fraud detection, requiring three simple API calls for instant fraud results and transaction data extraction. Developer documentation is at broker-portal.cubefunder.com.
What industry is Cubefunder in?
Cubefunder's product category is SME Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 52229 and its SIC code is 6153.