The Funding Store

What The Funding Store does

The Funding Store Ltd is a privately held UK credit brokerage headquartered in Milton Keynes that connects small and medium-sized businesses with a panel of over 100 mainstream and specialist lenders. Founded in 2018 and operating as a franchisee of Asset Finance Solutions (UK) Ltd, the firm is authorised through AFS Compliance Ltd by the Financial Conduct Authority (FRN: 625035) and is registered with the National Association of Commercial Finance Brokers. It does not lend its own capital; instead it introduces borrowers to funders across loans, asset finance, invoice finance, revolving credit, merchant cash advance, VAT/tax loans, trade finance, and property finance, with borrowing ranges of £10k to £10m and instant decisions available up to £250k.

The company runs a multi-channel go-to-market combining direct sales (website, phone, online application) with a partner programme targeting IFAs, accountants, solicitors, equipment suppliers, and other professional advisors who refer clients for ongoing commission. Its revenue model is commission-based: it receives transaction fees from lenders when customers enter into finance agreements, with no upfront broker fees charged to applicants. Process differentiation is asserted around 'clever targeting'—approaching one lender at a time to minimise multiple credit searches—and a dedicated account manager model that handles application tailoring through to funding.

The technology stack is described as a credit brokerage platform that aggregates lenders without a proprietary underwriting engine; there is no disclosed app, API, SDK, or AI/ML capability in the source material. Operational scale is modest at 1–10 employees, single UK office, and 5-star reputation on Trustpilot and Google. Distribution leverage comes from the partner referral network and the breadth of the lender panel rather than from proprietary technology, making the business model highly dependent on relationship quality, FCA-compliant broker status, and the ongoing flow of UK SME credit demand.

Name

The Funding Store

Legal name

The Funding Store Ltd

Website

https://thefundingstore.co.uk

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

The Funding Store Ltd is a Milton Keynes-based FCA-authorised credit brokerage that connects UK SMEs with a panel of over 100 lenders, offering business loans, asset finance, invoice finance, and related products on a commission-only basis.

Ownership category

akta.pro rank

Headquarters

HQ city

Milton Keynes

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission from lenders: The Funding Store receives commission payments from finance providers when customers enter into a finance agreement. They work with both discretionary and non-discretionary commission models, with commission factored into the interest rate customers pay.
2. Referral commissions: When deals are introduced to TFS via referral partners, TFS may choose to pay some of its commission to the referring party.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

The Funding Store is a UK credit broker that introduces businesses seeking finance to a panel of over 100 lenders, arranging business loans, asset finance, invoice finance, revolving credit facilities, merchant cash advances, and related products. The company does not lend its own funds; instead, it earns commission from lenders when customers enter into a finance agreement, with borrow sizes ranging from £10k to £10m and instant decisions available up to £250k.

Product overview

The Funding Store is an independent asset finance brokerage operating as a credit broker (not a lender) that connects UK businesses with a wide panel of over 100 lenders. The company offers a comprehensive portfolio of business finance products organized around five core pillars: Business Loans (including unsecured, secured, and same-day options), Asset Finance (including vehicle finance for cars, vans, HGVs, and agri-plant), Invoice Finance (encompassing factoring and discounting), Revolving Credit Facilities, and Merchant Cash Advance. Supplementary products include VAT loans, tax loans, trade finance, property finance, and motorhome finance. The company acts as an intermediary, introducing businesses to funders based on their specific requirements and circumstances, with access to the Growth Guarantee Scheme (a UK Government-backed programme).

Differentiator

Problem solved

Functional benefit

Products and services

• Business Loans

Quantifiable outcome

• Same-day funding available subject to product and lender
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and supporting.

• Asset Finance Solutions (UK) LtdcoreStrategic or Co-development PartnerThe Funding Store Ltd is a Franchisee of Asset Finance Solutions (UK) Ltd, indicating a franchise relationship providing access to systems, processes, and potentially lender relationships under the franchisor's umbrella.
• IFAs and AccountantssupportingChannel Partner/ Reseller/ DistributorIndependent Financial Advisers and accountants who refer business clients to The Funding Store for finance solutions. They receive ongoing commission for each successful referral.
• Equipment Suppliers and DealerssupportingChannel Partner/ Reseller/ DistributorEquipment suppliers, manufacturers, and dealers who refer customers seeking finance to purchase their products. They benefit by overcoming cost objections at point of sale and receiving commission on funded deals.
• Solicitors and Law FirmssupportingChannel Partner/ Reseller/ DistributorLegal professionals who refer clients needing business funding, particularly for property finance, acquisitions, or business transactions where finance is required.
• ConsultantssupportingChannel Partner/ Reseller/ DistributorBusiness consultants who enhance their service offerings by providing clients access to finance options through The Funding Store's partner programme.
• IT ProviderssupportingChannel Partner/ Reseller/ DistributorIT service providers who offer hardware and software finance options to clients through referral to The Funding Store, earning commission on successful referrals.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Funding Options: UK-based business finance broker connecting SMEs with a panel of lenders across loans, asset finance, invoice finance, and asset refinance. Direct competitor to The Funding Store with overlapping product set, lender panel model, and target SME segment in the UK market.
• Rangewell: UK business finance broker that matches SMEs with lenders for loans, asset finance, and commercial mortgages. Closely comparable to The Funding Store in business model (commission-based credit broking) and customer base (UK SMEs).
• Ascend Commercial Finance: UK commercial finance brokerage offering business loans, asset finance, and invoice finance to SMEs through a lender panel. Operates on the same credit-broker model as The Funding Store with comparable products and SME target market.
• Nucleus Commercial Finance: UK commercial finance broker providing loans, asset finance, invoice finance, and development finance to SMEs and owner-managed businesses. Highly comparable business model and customer segment to The Funding Store.

Emerging players

• Capify: UK-based alternative finance provider specialising in merchant cash advances and small business loans. Overlaps with The Funding Store's MCA offering and broader SME lending focus, though operates as a direct funder rather than pure broker.

Broad incumbents

• iwoca: One of the UK's largest digital SME lenders, offering flexible business loans up to £1m. Represents the direct-to-borrower competition to broker intermediation, making it a relevant benchmark for The Funding Store's value proposition of multi-lender access.
• MarketFinance: UK business finance platform offering invoice finance, business loans, and asset finance to SMEs. Comparable to The Funding Store's product mix and customer base, though operates as a direct lender/platform rather than pure broker.
• Allica Bank: UK SME challenger bank providing asset finance, business loans, and savings products to established small businesses. Relevant peer as a scaled alternative to broker intermediation for the same SME borrower profile TFS serves.
• Bibby Financial Services: Major UK invoice finance and business funding provider offering factoring, discounting, and asset finance to SMEs. Comparable invoice finance products to The Funding Store's invoice finance pillar, though operating at greater scale and as a direct funder.

Regional players

• Concept Credit: UK-based credit broker for asset finance, business loans, and personal finance products, primarily operating in Northern Ireland. Comparable broker model and product set to The Funding Store, but with a more regional geographic focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/thefundingstore
• Facebookfacebook.com/thefundingstoreUK
• LinkedInlinkedin.com/company/thefundingstore
• Instagraminstagram.com/thefundingstore

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 The Funding Store