Clear answers before you approach lenders

There is no single best product for every business. The purpose, amount, timing, cash-flow profile, available security and expected source of repayment all help determine which structures and lenders may be relevant.

Start with a clear breakdown of what the money will fund, when each amount will be needed and any sensible contingency. The request should also be affordable under realistic trading assumptions rather than being based only on the maximum available.

Timescales vary by product, lender and complexity. A complete request with current financial information can move more quickly, while property, acquisition or highly structured transactions usually require more due diligence.

Prepare a concise funding brief, recent financial information, bank statements, forecasts where relevant, details of existing borrowing and evidence supporting the purpose of the request. The exact requirements vary by lender and funding type.

No. Fundry helps businesses organise and present a structured funding request and connect with potentially relevant lenders. Each lender applies its own criteria and makes its own lending decisions.

No. Creating a request does not guarantee that a lender will make an offer. Availability, amount, price and terms remain subject to lender assessment, due diligence and approval.

Potentially. Different lenders have different risk appetites, and they may consider the cause, age and severity of any adverse credit alongside current performance, affordability, security and the purpose of the funding. It is important to disclose issues accurately.

It depends on the product, lender, amount and risk profile. A lender may request a personal guarantee, a charge over business assets, property security or another form of support. Review the legal and financial effect carefully before accepting an offer.

Pricing can reflect the funding type, amount, term, lender risk assessment, business performance, credit profile, available security and wider market conditions. Arrangement, legal, valuation, monitoring or early-repayment charges may also apply.

Secured funding is supported by specified assets or property that the lender may rely on if the agreement is not repaid. Unsecured funding is not tied to a particular asset, although guarantees or other contractual protections may still be required.

Yes. Compare the total amount repayable, all fees, repayment frequency, term, security requirements, guarantees, flexibility, early-repayment provisions and what happens if circumstances change.

You build a structured profile covering the business, funding purpose, financial position and supporting evidence. Relevant lenders can review the opportunity, ask questions and indicate whether they would like to progress the conversation.

Common requirements include statutory or filed accounts, current management accounts, recent business bank statements, cash-flow forecasts, aged debtor and creditor reports, existing borrowing details and evidence supporting the planned use of funds.

Funding requests can contain confidential information. Fundry supports staged sharing so that businesses can provide an initial opportunity summary and disclose more detailed or identifying information as a relevant lender conversation develops.

Yes. The initial request helps a lender understand the opportunity, but it may still need clarifications, updated figures, identity checks, valuations, legal documents or other evidence before making a decision.