August 2026 – Deal of the Month
£50,000 Business Cash Advance – Estate & Property Business
August saw another strong result for one established business operating within the estate and property sector. The business approached us looking for £50,000 in funding to support its ongoing operations and provide additional working capital as it continued to develop its property activities.
After reviewing the business and understanding exactly what the funding was needed for, our team was able to structure a solution that provided the capital required without unnecessary complexity.
The result:
- £50,000 business loan secured.
- Additional working capital to support ongoing operations.
- Funding structured around the needs of the business.
- Greater financial flexibility to pursue upcoming opportunities.
- A straightforward funding solution delivered by our experienced team.
For businesses operating in property and estate-related sectors, having access to capital at the right time can be crucial.
Whether it’s managing cash flow, funding opportunities, covering operational costs or supporting expansion, the right funding facility can provide the flexibility needed to keep things moving.
Another business funded. Another opportunity unlocked.
Credit Corner
Behind the Scenes with the Credit Team – August Update
August was another strong month for the Credit Team, with funding delivered across a diverse mix of sectors and business types, and a continued focus on quick decisions backed by a proper understanding of each client’s circumstances.
- Average time to offer: 3 hours 16 minutes across our core products
- Strong mix of new and existing clients across business loans and specialist funding
- Continued demand from businesses building capacity ahead of a busy autumn
Sectors showing momentum:
- Construction – managing increased workloads and project activity
- Property – investment and growth opportunities
- Retail – seasonal trading and stock requirements
- Takeaway & Hospitality – working capital and ongoing expansion
Growth Story of the Month:
A transport company secured several new contracts ahead of the school year and needed funding to scale up quickly.
Rather than relying on historic performance alone, the team assessed the strength of the new contracts and pipeline and how the additional revenue would support growth, enabling us to fund the business in time for a busy September.
Broker Tip & Looking Ahead
Start the funding conversation early!
The biggest mistake a business can make is waiting until cash flow is already a problem.
By then urgency is high, options are narrower and opportunities may have passed.
Ask your clients:
- Have they won a new contract?
- Are they buying stock or heading into a busy period?
- Are they waiting on large invoices?
- Are they planning to expand?
Each is a sign that working capital could help, and the earlier the conversation starts, the more routes to funding there are.
With the final quarter approaching, businesses will be focused on finishing the year strongly, whether that means investing in growth, shoring up cash flow or seizing opportunities that weren’t available earlier in the year. Whatever the requirement, send it over.
Unsure whether a deal fits? Send it anyway.
Have an MCA opportunity? We especially want to see it.
Let’s finish the year stronger, together.
From the Desk of our CEO, Serge Santos…
“August has been another encouraging month for Funding Alternative, and we’re particularly pleased with the momentum we’re seeing across our broker network.”
“One area that stands out is the continued growth of our MCA proposition. We’re seeing more brokers recognise the value of having a fast and flexible working capital solution available for their clients, particularly when traditional funding isn’t necessarily the right fit.
We believe there is significant opportunity to grow this product further over the coming months, and we’re investing in the processes, people and proposition needed to support that growth.”
“Our broker partners are at the heart of this. The more opportunities they bring to us, the more businesses we can help. So, as we head towards the final part of the year, my message to our broker network is simple: if you have an MCA opportunity, send it our way.”
“We’re also continuing to broaden and improve our overall funding proposition, ensuring brokers have access to more solutions and businesses have a better chance of securing the funding they need. There is plenty more to come, and we’re excited about what the next few months will bring.”
August Funding Insights
Businesses want finance that fits the way they operate.
Across our broker network, one theme kept coming through in August: SMEs need working capital quickly, with flexibility over how they use it, and without putting pressure on existing facilities.
We saw funding requested for cash flow, stock and materials, payroll, new contracts, growth investment and unexpected costs, across property, construction, transport, retail and professional services.
The opportunity for brokers is to look beyond the headline request.
A client asking for £30,000 for stock may also need working capital.
A business winning a new contract may need funding before its first invoice is paid.
A seasonal business may suit a flexible facility rather than a term loan.
The better you understand the underlying need, the more options you can offer, and that’s where our team can help.
Inside Funding Alternative
MCA is moving up the gears…
Merchant Cash Advance is fast becoming a bigger part of our product mix, and we expect that growth to accelerate through the final months of the year. For businesses with consistent card or card-linked revenue, MCA offers fast, flexible working capital that can be used across the business, from cash flow and stock to operating costs and growth, and it gives brokers an option when a client doesn’t fit neatly into a traditional lending proposition.
We’re investing in our processes and offering to make it easier for brokers to identify and submit suitable MCA opportunities. Our message is simple: if you’ve got MCA deals, we want to see them. Don’t leave deals sitting in your pipeline because you’re unsure they’ll fit, and don’t assume a client won’t qualify. Send it across and let our team take a look.
Underwriting Insight
Growth can be as much of a funding challenge as difficult trading. Historical performance matters, but so does where a business is heading: evidence of new contracts, purchase orders, forward bookings or expansion plans can strengthen a case considerably.
Pro Tip for Brokers & Introducers:
Where funding is linked to growth, include as much detail as possible on new contracts, expected revenue and upcoming opportunities. The more context we have, the faster we can decide.
