Answer a few questions
What the money is for, how much, and a little about the business. Done on your phone in about two minutes.
What do you need?
Pick one to see your matches.
What is the money for?
How long do your customers take to pay?
What are you buying?
What is the bridge for?
What are you building?
What is the tax for?
What would you use it for?
How much do you take by card each month?
How much do you need?
£
Please enter an amount of £1,000 or more.
What is your average monthly turnover?
Your sales each month, before costs. A rough figure is fine.
How is your credit score?
Your best guess is fine. Nothing here runs a credit search.
Do you own your home?
Some lenders only work with homeowners.
What is your business called?
Search Companies House by name or company number.
How soon do you need the funding?
Send my matched offers
Confirm where we should contact your business.
Matched lenders
We text you a code to check your number, then your matches show. Kyma Business Finance is a trading style of Smart Funding Solutions Limited, a whole of market broker. Your details go to a broker there, who will call you about your options. Nobody else gets them.
Enter the code we texted you
We sent a 6 digit code to your mobile.
You've got options
A broker has funding options ready for you
A broker will call within 2 hoursA short chat to confirm a few details and go through your options.
We'll call from this number01244 267694
Calls are 9am to 5pm, Monday to Friday. Outside those hours we call first thing the next working day.
- Indicative rates
- You could borrow
- Typical terms
- Lenders matched
Your exact terms depend on your business and each lender's criteria.
Application receivedWe'll use these details to confirm suitable funding options.In review
Funding review summaryWhat may support the application and what lenders may still review.Indicative
Positive signals
Still to check
Rates are indicative, from each lender's terms on our panel, and are not a lending decision or an offer. Your actual rate depends on the lender's checks and your business.
Indicative terms. No credit search to start.
Lenders on the panel include
How it works
From question to lender, in three moves.
A short check online, then a broker who does the legwork for you.
See what lenders could offer
Indicative rates, amounts and terms from our whole of market panel, before anyone runs a credit search.
A broker takes it from there
We call, confirm the details, and package your application for the lender most likely to say yes.
Funding options
Find the right fit for your business.
Different goals need different funding. Compare the options and start the check.
Business loans
Growth and cash flowA lump sum with set repayments you can plan around, for growth, stock, hires or a refit.
Invoice finance
Unpaid invoicesRelease the cash sitting in unpaid invoices instead of waiting 30, 60 or 90 days to be paid.
Asset finance
Vehicles and equipmentSpread the cost of vehicles, machinery or equipment, with the asset itself usually the security.
Bridging loans
Property, short termShort term property finance for purchases, auctions, refinance, chain breaks and light refurbishment.
Development finance
Builds and conversionsFunding for ground up developments, conversions, heavy refurbishments and property projects.
Merchant cash advance
Card takingsRepayments that flex with your card takings. Quieter month, smaller repayment.
HMRC loan
VAT, tax and arrearsSpread a VAT, corporation tax or self assessment bill, or clear overdue tax, and keep HMRC on side.
Alternative overdraft
Draw it when you need itA revolving facility you dip into when cash is tight and pay back when it comes in. Costs depend on the lender and how much you draw.
Why use a broker
One bank, or the whole market.
Your bank is one lender with one set of rules. A broker can put your business in front of many.
Going to your bank
- One answerA no from your bank can feel final, even when other lenders would say yes.
- Their products onlyYou see what that bank sells, not what suits the business best.
- You chase itForms, follow ups and waiting are left to you.
Going through Kyma
- Many lendersHigh street banks, specialist lenders and alternative funders, all on one panel.
- Matched to fitProducts chosen around your sector, turnover and what the money is for.
- A broker on your sideWe prepare the case, speak to the lender and keep it moving.
On your side
Someone in your corner.
What does it cost if it is not done right? The wrong broker and the wrong lender can cost you your growth, or your future. The wrong type of finance can cause more problems than it solves.
We are experts in packaging deals so our clients get the best result. We show your matches upfront, so you know the best route and the strategy behind your funding before anything goes to a lender. Then we fight your corner for the right result, not the deal that pays the most commission.
Work with someone that cares about you.
- Options you understand, fast
- The right deal, not the biggest commission
- Your case built to get a yes
- Whole of market
Kyma Business Finance is a credit broker, not a lender.
Quick answers
How much could my business borrow?
It depends on turnover, time trading and what the money is for. The check gives you an indicative figure in about two minutes.
My bank said no. Can you still help?
Often, yes. Many lenders on our panel look at how the business trades today rather than following a bank's fixed rules.
Does checking leave a mark on my credit file?
No. Seeing your options uses no credit search. A lender only searches, with your permission, if you decide to apply.
What happens after the check?
A broker calls to go through your options, confirms a few details and tells you exactly what the lender will need.
Clients
What business owners say.
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
Business ownerGoogle review
Funded in 24 hours“We had already approached other finance companies who weren’t able to help. From our first conversation to everything being completed took around 7 days, and they kept us informed throughout. If you’ve struggled to get help elsewhere, I would absolutely recommend giving them a call.”
Family-run businessGoogle review
Machine finance“Spoke with a broker, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
Business ownerGoogle review
Business loanGood to know
Questions, answered.
Will this affect my credit score?
Seeing your options does not involve a credit search. A lender only runs its own checks, with your permission, if you decide to go ahead with an application.
How quickly can I get a decision?
It depends on the lender and the funding you need. Your options show the indicative terms, and the broker looking after your case explains the next steps and timings.
What do I need to start?
Just the basics about your business and what the funding is for. If you go ahead, a lender may ask for recent accounts or bank statements.
Is this a loan from you?
No. Kyma Business Finance is a credit broker, not a lender. We source options from lenders across the whole market for your business.
What does it cost?
Any fees depend on the lender and are explained before you go ahead, and whether to proceed is always your choice.
Do you work with newer businesses?
Often, yes. What is available depends on the type of funding, how long you have traded and the lender’s criteria.
Terms in 2 minutes,
without the faff.
Know your options in about two minutes.
Know your options ↗No credit search to startWhole of market
