UK Business Finance Brokerage

Fast Business Funding
For UK Companies

Simple, transparent funding solutions designed to help businesses scale, manage cashflow, and unlock growth.

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  • £250M+ arranged for UK businesses
  • 24–48h typical funding speed
  • 4.9/5 client satisfaction

Why UK businesses trust Summit Capital

  • Fast Approvals

    Decisions in hours, not weeks.

  • Flexible Finance

    Repayment terms shaped around your cashflow.

  • UK Businesses Supported

    Thousands of UK SMEs funded across every sector.

  • Secure Process

    Bank-grade encryption and GDPR-compliant data handling.

  • Funding in 24–48 Hours

    From application to funds in your account.

ICO Registered GDPR Compliant UK Lender Panel No Upfront Fees Trusted by UK SMEs
Funding Solutions

Finance built around your business.

Whether you need to bridge a tax bill, fund equipment, or accelerate growth — we match you with the right lender from our UK panel.

Most popular

MCA Finance

A merchant cash advance gives you an upfront lump sum repaid as a small percentage of your daily card or bank takings — no fixed monthly payments.

  • £10k – £500k available
  • Repayments flex with customer card takings
  • No fixed monthly repayment schedule
Typical eligibility
  • Trading for at least 6 months
  • UK or Ireland based business
  • £10k+ average monthly card turnover
  • Accepts card payments through PDQ or online checkout
Get an MCA quote
Quarterly

VAT Loans

Spread your HMRC VAT bill into manageable monthly payments instead of taking a lump sum out of working capital each quarter.

  • 3-month VAT funding structure
  • Funds can be paid directly to HMRC
  • No home ownership required up to £200k
Typical eligibility
  • £15k+ monthly business revenue
  • Trading for at least 1 year
  • 600+ Experian personal credit score
  • HMRC VAT statement required before funding
Apply for VAT funding
From £25k

Secured Loans

Larger facilities at competitive rates, secured against property or business assets — ideal for acquisitions, expansion, or refinancing.

  • £25k – £5m typical range
  • Terms up to 25 years
  • Lower rates than unsecured
Typical eligibility
  • Suitable property or business asset security
  • Clear business use for the funds
  • Affordability and exit route assessed by lender
  • Valuation and legal work may be required
Explore secured options
No collateral

Unsecured Loans

Fast access to working capital with no need to put up assets — based on the trading strength of your business.

  • Up to £350k available
  • Weekly or monthly repayment options
  • Soft credit checks only
Typical eligibility
  • £15k+ monthly true revenue
  • Trading for at least 1 year
  • 600+ Experian personal credit score
  • Home ownership not required for facilities up to £200k
Check what you qualify for
Trade specialist

Construction Finance

Fund payroll, materials, plant hire and retentions while you wait on project payments. Stage funding tailored for UK contractors and developers.

  • CIS-friendly structures
  • Retention and invoice finance
  • Plant & equipment leasing
Typical eligibility
  • UK contractor, developer or trade business
  • Recent bank statements or open banking review
  • Project, contract or invoice evidence where relevant
  • Funding matched to cashflow and project stage
Fund your next build
Cashflow

Working Capital Finance

Smooth out seasonal dips, fund stock or marketing pushes, and keep day-to-day operations moving — without touching your overdraft.

  • Revolving and term facilities
  • Top-up funding available
  • Suitable for ecommerce & retail
Typical eligibility
  • Usually assessed from recent trading performance
  • Open banking or 6 months bank statements preferred
  • Proof of ID required before funding
  • Renewal options may be available after part repayment
Unlock working capital
The Process

Funding in three simple steps.

One short application. One dedicated adviser. One clear path to capital.

  1. 01

    Apply

    Tell us about your business in under two minutes. No documents needed at this stage — just the basics.

  2. 02

    Get Reviewed

    Your dedicated adviser matches you with the right lenders from our UK panel and presents the best offers.

  3. 03

    Receive Funding

    Sign your agreement digitally and receive funds — typically within 24 to 48 hours of approval.

Insights

Funding knowledge, simplified.

All articles
MCA · 6 min read

What Is A Merchant Cash Advance?

A plain-English guide to how an MCA works, when it makes sense for UK businesses, and the questions to ask before you sign.

VAT · 4 min

VAT Loans Explained Simply

How VAT funding works, when to use it, and how to keep HMRC happy without draining cashflow.

Lending · 5 min

Secured vs Unsecured Loans

A side-by-side look at the pros, cons, and ideal use-cases for each — so you can borrow with confidence.

Cashflow · 7 min

How UK Businesses Improve Cashflow

Seven practical levers — from invoicing to inventory — that UK SMEs use to stay liquid through any season.

Why Summit Capital

The brokerage UK businesses come back to.

We exist to make business finance feel less like paperwork and more like progress. No jargon, no pressure, no surprises — just clear options and quick decisions.

Talk to a funding specialist

  • Fast Turnaround

    Decisions in hours. Funds in your account in 24–48 hours.

  • Human Support

    A dedicated UK-based adviser from first call to final draw-down.

  • Simple Applications

    One short form. No 20-page packs. We do the heavy lifting.

  • Funding Expertise

    Specialists in MCA, VAT, secured, unsecured, and construction finance.

  • Transparent Process

    Clear costs, clear terms, clear timelines — always.

Client Stories

Trusted by UK business owners.

★★★★★

“Summit secured a £180k facility for our second restaurant in under three days. The process was honestly the most painless finance experience we’ve had.”

James Mottram Owner · Cornerstone Kitchens, Manchester
★★★★★

“We needed £75k to fund a big retention on a London project. Our adviser at Summit understood construction inside out and turned it around in 36 hours.”

Sarah Patel Director · Highline Build & Civils
★★★★★

“As a Shopify brand growing 3x year on year, cashflow is everything. Summit’s MCA structure flexes with our trading — exactly what we needed before Q4.”

Rachel O’Connor Co-founder · Northbound Apparel
★★★★★

“Our VAT bill always lands at the worst time. A VAT loan through Summit smoothed everything out — fixed payments, no drama, fully transparent.”

David Thompson MD · Thompson & Co Logistics, Birmingham
Eligibility Check

See what your business qualifies for in 60 seconds.

No credit footprint. No obligation. A specialist will follow up within one working hour to walk you through the options that fit your situation.

  • Trading 6+ months · UK Ltd or Sole Trader
  • Monthly turnover from £10k
  • £5k – £5m funding available

Soft search only — no impact on your credit score.

Ready To Unlock Funding For Your Business?

Apply in minutes, or book a call with a UK funding specialist at a time that suits you.

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