Specialist commercial finance for construction and manufacturing businesses, and the wider SME market. Backed by a network of 130+ lenders.
Funding Speed
~24 Hour
Track Record
95% Success
Regulation
FCA Regulated Lending Panel
Funding Speed
~24 Hour
Track Record
95% Success
Regulation
FCA Regulated Lending Panel
SME Funded is a specialist commercial finance brokerage with deep expertise in construction and manufacturing, serving the wider UK SME market. We navigate a panel of 130+ lenders to find the right structure, not just the easiest one to place.
Where traditional banks are slow and rigid, we move fast and think creatively. Whether you need growth capital, asset finance, equipment funding or a commercial mortgage, we build the case and get it funded.
No credit checks at enquiry stage. No unnecessary process. Just clear, expert guidance from first conversation to funds in account.
"No unnecessary friction. No dead ends. Just solutions that actually work in the real world."
Funding Available
From application to cash in account, faster than any traditional banking route.
Success Rate
Industry-leading approval rates, expertly structured across all business types and sectors.
Lenders on Panel
The widest possible institutional network to match your exact business requirements.
Customised loans structured around your trading profile. From growth to working capital.
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Preserve cashflow while acquiring the essential assets your business needs to grow.
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Commercial mortgages and rapid bridging solutions for property purchases and transitions.
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Keep your balance sheet healthy while investing in the equipment that drives your output.
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From single vehicles to full commercial fleets, with competitive finance for every requirement.
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Invest in the technology that drives growth, without the upfront capital outlay.
EnquireExecutive brokers with 40+ years of combined experience, managing the entire process from your first call to funds in your account.
Provide basic business details. No lengthy forms, no jargon, just the fundamentals we need to understand your position.
Our senior team reviews your application and matches you to the right lenders from our panel of 130+ within hours.
Upon approval, funds are transferred directly to your account. As fast as same-day in many cases.
Trusted by construction firms, manufacturers and growing businesses across the UK.
"The process was shockingly fast and easy. Not something I was used to with my bank."
Adam Knight
Construction
"Bradley's team had terms in 48 hours and funds the following week. Our bank said 12 weeks. Transformative."
Richard Marsden
Precision Engineering
"As a SaaS startup, banks weren't interested. SME Funded matched us with a specialist lender instantly."
Sophia Okafor
Tech Startup
"We needed capital fast to fulfil a major order. SME Funded got us funded in under 24 hours. Incredible service."
James Whitfield
Manufacturing
"The bridging loan completed in days. Without SME Funded we'd have lost the property entirely. Exceptional."
Claire Bennett
Property Development
"Straightforward, honest and fast. Bradley structured a deal our previous broker said was impossible."
Marcus Webb
Logistics
"The process was shockingly fast and easy. Not something I was used to with my bank."
Adam Knight
Construction
"Bradley's team had terms in 48 hours and funds the following week. Our bank said 12 weeks. Transformative."
Richard Marsden
Precision Engineering
Most UK-registered businesses with at least 3–6 months of trading history are eligible. We assess your case holistically: turnover, cashflow, credit profile and purpose of funding. With 130+ lenders, we can often find routes where traditional banks cannot.
Rates vary by finance type, term, and trading profile. Because we work with an extensive panel, we source highly competitive terms tailored to your circumstances. We present clear, comparable offers with no hidden fees and full transparency throughout.
Many clients receive a decision within 24 hours. Funding can be in your account the same or next working day. Complex facilities such as commercial mortgages may take slightly longer, but we keep you fully informed at every stage.
A less-than-perfect credit history doesn't disqualify you. We have lenders who specialise in adverse credit, assessing your full business picture rather than just a score. Contact us and we'll give you an honest assessment of your options.
Having worked closely with 600+ UK business owners, primarily in construction and manufacturing, Bradley has seen first-hand where the funding system breaks. SMEs are the backbone of the UK economy, yet when it comes to finance, they're chronically underserved.
Traditional lenders are slow, restrictive and risk averse. Where they hold growing businesses back and step away under pressure, Bradley structures deals that actually get funded, bringing M&A-level thinking to every case.
It's why he founded SME Funded, a smarter, more accessible route to commercial finance, backed by a network of 130+ lenders alongside deployed capital of his own.
"No unnecessary friction. No dead ends. Just solutions that actually work in the real world."
Bradley Lay
Founder & Director
No credit checks at this stage. Confidential, expert guidance from day one, tailored entirely to your business trajectory.
Begin Your ApplicationShare a few details and our commercial finance experts will review your position personally. No credit checks at this stage, with complete confidentiality assured.
Location
Unit B, Ascensis Tower, Juniper Drive,
London, SW18 1AY
Company Number: 16931983