SME Money is a business finance broker. You complete one application and we match you with the most suitable lenders from our panel of 70+ providers. You then compare offers and choose the best deal for your business.

SME Money is not a lender or a broker. We use our technology to refer UK businesses' details to specialist broker partners, based on their requirements, who between them have access to over 70 lenders and insurers. Our service is free to use - we receive a payment from the broker only if funding is successfully arranged.

No. Our initial application process uses a soft credit check which has no impact on your credit score. A hard credit check is only conducted by lenders once you choose to proceed with an offer.

No. Our website, calculators, and introduction service are completely free for you to use. We are paid by our broker partners only when a successful match leads to funding being arranged for your business.

Once approved, funds can be in your bank account within 24–48 hours for most products. Some products like commercial mortgages may take longer due to the nature of the finance.

We work with UK limited companies, sole traders, partnerships, and LLPs across most sectors. Whether you are a startup looking for your first facility or an established SME seeking growth capital, our broker partners can usually help.

We work with sole traders, partnerships, limited companies, and LLPs across most industries. Your business typically needs to have been trading for at least 6 months and have a UK bank account.

It depends on the type of funding. Some unsecured business loans and merchant cash advances can be approved and funded within 24 to 48 hours. More complex products like secured loans, asset finance for specialist equipment, or shareholder protection insurance may take longer due to underwriting and valuation requirements.

Our short application form asks for basic details about your business - your sector, trading history, and what you need funding for. Your matched broker will then request any additional documentation, such as recent bank statements or accounts, as part of their application process.

Completing our introduction form does not affect your credit score. Your matched broker may carry out a soft credit search to assess the best options for your business, which is also not visible to other lenders. A full credit search is only performed when you formally apply through your broker.