Business finance that keeps growth moving.

Published on 16 July 2026

Authors

Phillip Evans

Director

A 30-year career in finance, specifically in funding business growth and restructuring. With a love for creating fintech solutions, because accessing funding shouldn't be complicated.

Get the Right Business Loan Broker Without the Banking Runaround

Only 47% of UK SME finance applications succeed. With tightening lending criteria and the decline of relationship-based banking, most businesses waste weeks chasing rejections from unsuitable lenders. Enable Finance is the commercial finance broker that connects your business with the right finance from over 80 specialist lenders - faster, with expert support, and without the guesswork.

A Business Loan Broker Built for UK SMEs

A business loan broker connects businesses with suitable funding options by matching them to lenders that fit their needs. If you've spent days filling out bank applications only to receive a generic decline letter, you already know the system isn't built for you. A business loan broker helps by matching your business with lenders that fit your circumstances, rather than sending you through the same bank process again and again. The traditional bank manager who understood your business is gone. In their place, rigid automated scoring that overlooks your potential and ignores your circumstances.

You're far from alone. UK SME owners, finance brokers, and lenders are all dealing with a tighter funding market, where approval rates for external finance have dropped from roughly 62% in 2022 to just 47% in 2024. The median amount sought by SME employers sits at £40,000 - yet many never reach funding because they applied to the wrong lender in the first place. That makes choosing the right route to finance just as important as the application itself.

Enable Finance was built to eliminate that frustration. As a business loan broker and business finance broker operating since 2002, we help businesses compare broader business finance options before they apply, then combine deep industry knowledge with AI-powered lender matching across more than 80 specialist lenders to identify the best fit faster. Whether you need a straightforward business loan, secured or unsecured funding, invoice factoring, bridging loans, working capital, or specialist post-insolvency finance such as CVA and pre-pack administration support, the aim is the same: fewer wasted applications, better-fit lenders, and funding that matches how your business actually operates.

Why Enable Finance Works

Here's what makes us different from going it alone or using a generic comparison site, with practical benefits that come from broker-led funding support:

AI-Powered Lender Matching

• AI-Powered Lender Matching – Our technology scans real-time lending criteria across our full lender panel, instantly identifying which lenders are most likely to approve your application based on your specific business structure, trading history, and borrowing requirements.

Access to 150+ Specialist Lenders

• Access to 150+ Specialist Lenders – Brokers connect businesses with over 150 lenders for quick financing, including many specialist lenders that don't accept direct applications. This access comes through many lenders on the panel, giving you funding options you simply cannot reach on your own.

Expert Guidance That Gets Results

• Expert Guidance That Gets Results – Business loan brokers can improve the likelihood of loan approval by structuring applications effectively. Our team knows exactly what each lender looks for and packages your case accordingly.

No Upfront Fees, No Credit Score Impact

• No Upfront Fees, No Credit Score Impact – Brokers can reduce the impact on a client's credit score by using soft credit searches during the matching stage. Brokers often charge fees that may be paid by the lender rather than the borrower - meaning you pay nothing up front.

Specialist Finance for Complex Situations

• Specialist Finance for Complex Situations – From CVA and pre-pack administration funding to post-insolvency recovery and equipment finance, we handle the cases other businesses’ finance brokers turn away.

Instead of forcing you through a one-size-fits-all bank application process, we give you a streamlined path to securing funding that actually fits your business needs.

How It Works

Getting funded doesn't require complexity. Our process is designed to move from initial conversation to money in your account as efficiently as possible.

Step 1: Tell Us About Your Business

We start with a straightforward assessment of your business - turnover, income, sector, trading history, what you need the funding for, and any circumstances that might affect lending criteria (including previous financial difficulties). This takes minutes, not hours, and involves only soft credit checks that won't affect your credit score

Step 2: AI-Powered Lender Matching

Our technology analyses your profile against live criteria from our full panel of lenders. Within hours, you receive a comparison of suitable finance options - from secured and unsecured business loans to flexible finance for different borrowing situations, invoice finance, and bridging facilities. You see competitive rates, terms, and realistic approval likelihood before committing to anything.

Step 3: Expert-Guided Application

Once you've chosen the right finance option, our team helps identify the right solution before and during application handling, then manages the paperwork for you. We coordinate directly with the lender's underwriting team, respond to queries, and keep everything moving until funds reach your account. Working with brokers can save time compared to applying directly to lenders.

No guesswork. No wasted applications. Just structured progress toward the funding your business needs.

What Makes Us Different

Most alternatives focus on features. We focus on outcomes.

• 20+ Years of UK Commercial Finance Expertise – Enable Finance has been operating since 2002. We've navigated recessions, COVID, and every lending market shift in between. Generic online platforms can't match this depth of expertise in commercial finance.
• AI Technology Combined with Human Judgment – Purely automated systems miss nuance. Our technology handles the matching at speed; our experts handle the negotiation, structuring, and relationship management that gets difficult deals over the line. Brokers have expertise in lenders' criteria, improving application suitability.
• Specialist Lenders for Situations Banks Won't Touch – We work with lenders willing to fund businesses with impaired credit, those in CVA or pre-pack administration, and companies in sectors banks view as high risk. They have access to a wide range of specialist lenders that include providers specialising in business recovery and turnaround.

If other brokers offer volume, we offer precision. If banks offer rigidity, we provide tailored services built around your reality.

Proof That It Works

Results speak louder than claims.

The UK invoice finance market now advances £22.7 billion annually across over 40,000 businesses - demonstrating the scale of demand for alternatives to traditional bank lending. Meanwhile, bank lending growth to the smallest SMEs (turnover under £2 million) increased nearly 30% in recent approvals, showing that funding is available - but only when you apply to the right lender with the right application at the right time to protect trading momentum and support sales.

• Funding solutions delivered across every major UK sector, from manufacturing and construction to recruitment and transport
• Complex turnaround deals for businesses emerging from insolvency where mainstream lenders had declined
• Fast-tracked applications delivering funding in days rather than the weeks typical of direct bank approaches
• Award winning service across corporate turnaround funding and cash flow facilities since 2002

Brokers help businesses avoid unsuitable finance products - and our approach ensures every application goes to a lender predisposed to say yes.

Who It's For

UK businesses seeking working capital

• Whether you need to manage cash flow, fund stock, pay tax obligations, support research and development, or invest in growth and expanding operations

Companies needing urgent funding

• Business bridging loans provide fast, short-term funding solutions for time-sensitive opportunities or emergencies via our bridging loan service

Businesses with complex or challenging funding needs

• Including post-insolvency, CVA, pre-pack administration, bad credit situations, limited trading history, or intellectual property-heavy businesses

Property investors and commercial buyers

• Commercial mortgages finance property purchases for business investment

Finance brokers

• Seeking AI-powered sourcing technology and access to specialist lenders for their own clients

Larger businesses and SMEs

• Across construction, recruitment, manufacturing, logistics, and other industries with demanding payment cycles

If you want the right finance matched to your business objectives without the banking runaround, Enable Finance was built for you.

Service Options & Fees

Transparency is central to how we work. Brokers simplify the loan application process for businesses - and our fee structure reflects that simplicity.

Direct Business Funding

For businesses seeking funding directly, we act as your commercial finance broker, managing the entire journey from assessment to drawdown. Business funding products include unsecured loans, asset finance, and invoice financing. Brokers can also help identify alternative funding products beyond traditional loans.

Our service covers:

• Full business assessment and lender matching
• Application preparation, submission, and management
• Negotiation of terms and competitive rates on your behalf
• Ongoing support through to funds reaching your account

Secured business loans range from £25,000 to £5 million. Unsecured business loans range from £5,000 to £750,000. Fees are typically paid by the lender upon successful funding - not by you.

Broker Technology Platform

For other businesses operating as finance brokers, our AI-powered platform provides live lender criteria, automated matching, and sourcing tools across our full panel. This lets brokers deliver faster, more accurate results to their own clients while accessing specialist lenders they may not have direct relationships with.

Features include real-time criteria updates, decision-in-principle tools, and compliance-ready documentation support. Contact us for broker partner pricing.

Specialist Funding Solutions

For complex situations - CVA funding, pre-pack administration finance, turnaround capital, or bespoke structures - we provide a consultation-led approach. These solutions are tailored to individual circumstances, working alongside insolvency practitioners and specialist lenders where necessary.

Custom pricing based on complexity and funding requirements.

Frequently Asked Questions

How quickly can we secure funding?

Timelines vary by funding type and complexity. Fast funding options include:

• Merchant cash advances for B2C businesses
• Straightforward unsecured loans (can be completed in days)
• Asset finance, invoice factoring, or turnaround funding (may take one to three weeks, depending on documentation readiness and lender underwriting)
• Invoice finance can typically be set up in around six working days

Will applying affect our credit score?

• No – not during our initial assessment and matching stage. Brokers can reduce the impact on a client's credit score by using soft credit searches, which don't appear on your credit file.
• A hard credit check only occurs when you've chosen a lender and formally proceed with a full application, and only with your knowledge.

What if our business has been through insolvency?

This is one of our core specialisms. We work with specialist lenders experienced in funding businesses that have been through CVA, pre-pack administration, or other forms of restructuring. They provide tailored funding solutions based on business needs - though terms will reflect the additional risk involved. Our team works alongside insolvency practitioners to structure viable applications. Read more about factoring during business recovery.

Do we need security for business loans?

TABLE GOES HERE

Asset finance includes finance leasing and hire purchase options, and can fund vehicles, machinery, and equipment purchases. Businesses can access asset finance from £25,000 to £5 million, helping spread the cost of large purchases over time, including comprehensive fleet finance options.

How does invoice finance work?

Invoice finance helps manage cash flow by releasing capital tied up in unpaid invoices. Rather than waiting 30, 60, or 90 days for customers to pay, you receive an advance against outstanding invoices - typically 80–90% of their value.

Invoice finance structures:

• Lump sum loan: Receive a one-off advance against invoices.
• Revolving credit facility: Ongoing access to funds as invoices are raised and paid.

Invoice finance provides access to capital tied up in invoices and helps manage cash flow for B2B companies. Specialist help can tailor invoice finance to your business needs, and it's used by over 40,000 UK businesses.

What does a broker actually do that I can't?

• Negotiates better loan terms due to industry relationships
• Knows each lender's specific lending criteria, appetite, and quirks
• Increases access to a broader range of funding options
• Provides tailored advice for businesses with complex financing needs
• Handles the entire application process

In the UK, brokers can be regulated by the Financial Conduct Authority if they provide personal loans or are recognised by trade bodies. Enable Finance provides a commercial service backed by two decades of market expertise.

Get Started Today

If you're ready to stop chasing rejections and start achieving the funding your business deserves, the next step takes less than five minutes.

Tell us about your business, your borrowing amount, and your objectives. We'll match you with the right lenders, structure your application for maximum approval likelihood, and guide you through to funding.

No upfront cost. No obligation. No credit score impact. Just expert support from a business finance broker that's been helping UK businesses secure the right finance since 2002.

Business loan brokers connect businesses with suitable funding options - let us connect yours.