Commercial Lending, Deal Origination Platform for Lenders and Brokers

FundingSearch is a digital deal origination platform that sources, qualifies, and matches pre-vetted SME borrowers to your loan products in real time. Unlike traditional aggregators, we operate as your origination infrastructure, connecting verified borrower applications directly to your underwriting team with pre-populated financial data from Companies House, accounting software integrations (Xero, Sage, FreshBooks), and open finance APIs. This reduces time-to-decision and eliminates manual data entry across your loan book.

We focus exclusively on limited company SME borrowers (typically £5k–£50m+ deal sizes) across all commercial lending verticals: asset finance, bridging loans, commercial mortgages, invoice finance, unsecured loans, trade finance, and asset-based lending. All borrowers complete a standardised application with verified financial data. You set borrower eligibility rules by sector, turnover, credit profile, and geography—we only send you opportunities that match your risk appetite.

Completely. You build custom lending profiles within the platform specifying: loan amount range, borrower revenue thresholds, industry sectors, geographic focus, credit score preferences, and any other underwriting criteria. The platform's matching engine only routes borrowers meeting your specifications, reducing noise and unqualified enquiries.

Most SME lending platforms are either consumer-facing marketplaces or AR networks that restrict lender independence. FundingSearch is pure infrastructure; you retain 100% of your direct lender relationships, your pricing autonomy, and your commission structure. We don't force you into networks, whitelist controls, or margin-sharing arrangements. You're a lender using a distribution layer, not a partner locked into a commercial ecosystem.

We pre-qualify. Every borrower application includes verified financial data (last 2–3 years of accounts, M.I. data where available, Companies House intelligence). Your underwriting team receives structured, data-enriched applications, not blank forms. This accelerates your assessment without removing your discretion.

We offer API-first architecture. Most lenders integrate via our REST API, allowing seamless two-way data flow: borrower leads → your CRM/LMS, underwriting decisions → our platform. We also support direct CRM integrations (Salesforce, HubSpot, Pipedrive) and offer CSV bulk import/export. Setup typically takes 2–4 weeks with our technical team.

Either. You can white-label our application journey on your domain, or borrowers can apply directly on FundingSearch.com, and we route them to you. Most lenders white-label to maintain brand control and SEO ownership, while smaller lenders benefit from FundingSearch's borrower marketing to reduce CAC.

You own the borrower relationship and data once matched. We don't retain or resell your underwriting decisions, pricing, or borrower outcomes. We're compliant with GDPR, ICO-registered, and operate under strict data processing agreements. You decide what happens to the borrower record; if declined, you manage the relationship independently.

Yes, many lenders build decisioning rules within their own systems using our data feed. Some use our structured data to trigger automated pre-approvals for low-risk profiles (e.g., high-turnover limiteds with strong financials). The platform provides the data; you control the commercial logic.

Not for most commercial lending products. Asset finance, bridging loans, commercial mortgages, and invoice finance are largely unregulated (provided you're not accepting deposits or offering credit to consumers). If you offer a regulated product, you should hold appropriate authorisation. We work with both regulated and non-regulated lenders. Check with your compliance team and the FCA's Handbook if uncertain.

Limited companies are business borrowers and fall outside consumer credit regulation (CONC). However, if you provide credit to individuals acting outside their business capacity, different rules apply. We work exclusively with limited company borrowers, which sidesteps CONC complexity. Confirm your lending structure with your legal team.

For business borrowing, responsible lending is about assessing repayment capacity, security, and business viability; not consumer affordability. We provide verified financial data (revenue, profit, cash flow, accounts) to support your credit decision. We don't hold lenders liable for underwriting outcomes; you retain full credit risk and commercial judgment. Our data reduces your underwriting friction, not your responsibility.

Yes. We're GDPR compliant, ICO-registered (Ref: ZB830848), and use bank-grade encryption for data in transit and at rest. All your borrower records, pricing, and product configurations are segregated and encrypted. We conduct annual security audits and pen tests.

Yes, FundingSearch is part of your blended sourcing strategy and distribution network.

All major UK SME lending verticals: Asset Finance, Bridging Loans, Commercial Mortgages, Invoice Finance, Business Loans, Unsecured Loans, Asset-Based Lending, Merchant Cash Advances, and Trade Finance. You can add unlimited loan products within each category; no per-product charges.

Yes. Unlimited. List 50 asset finance products with different terms, rates, and borrower profiles—no additional cost. The matching engine routes each borrower to the specific product they qualify for. This is why we're called a "commercial lending origination software" rather than a simple lead aggregator.

Lead routing + data infrastructure. We provide pre-qualified, data-enriched borrowers and structured application data (financials, Directors' details, charge information). Underwriting remains your responsibility. Some lenders layer their own decisioning rules on top of our data; others use us purely for sourcing.

You configure your product rules within the platform. You can't dynamically alter terms per borrower (that's your CRM/LMS responsibility), but you can create different product variants (e.g., "Asset Finance – Turnover £1m–£5m" vs. "Asset Finance – Turnover £5m+") with different eligibility rules and messaging to borrowers.