February 2026 – Deal of the Month
£50,000 Business Cash Advance | Construction Supply Industry
February trading remained strong – but supplier payments and stock requirements were tightening cashflow.
We supported a business within the construction supply sector that required immediate working capital to secure materials and meet contractor demand. Traditional lenders couldn’t move at the required pace. Using live trading performance and historic data, we structured a £50,000 Business Cash Advance with repayments linked to revenue flow.
Offer issued in exactly 28 minutes!
The result:
- £50,000 released quickly.
- Stock secured without disruption.
- Cashflow protected during peak activity.
- Momentum maintained without long-term pressure.
Deal Shoutouts! | Selective Invoice Finance
£50,000 SIF deal funding against a few debtors for a company providing fire safety solutions into various sectors, was needed to assist cashflow pending receipt of debtor payments.
£200,000 SIF deal provided for a company providing procurement services for the construction industry, funding against several debtors and needed for cashflow pending an agreement being sourced for a whole turnover facility, agreed on a confidential basis and outside of our normal parameters based on the strength of the business and the individuals behind it.
Speed. Structure. Certainty.
Credit Corner
Behind the Scenes with the Credit Team – February Update
February accelerated the strong start to the year, with the Credit Team delivering even faster decisions while maintaining disciplined underwriting.
Submission quality remained solid, and we continue to see resilient trading across key sectors despite ongoing cost pressures for SMEs.
Pro Tip for Brokers & Introducers:
Pre-qualify revenue and homeowner status before submission, and include a clear funding reason.
Strong notes = Faster offers.
Broker of the Month
Funding Hut
This month’s recognition goes to Funding Hut, and in particular one broker, for consistently strong submissions, clear communication, and proactive deal management.
Well-packaged cases with upfront context continue to drive faster approvals and smoother completions.
We value the partnership and look forward to many more funded deals together! Thanks!
From the Desk of our CEO, Serge Santos…
“February has been an incredibly strong month for funding, with our team delivering a high volume of deals while maintaining the fast turnaround times our brokers and clients rely on. In today’s environment, speed and certainty of funding can make the difference between securing an opportunity and missing it – and it’s great to see so many businesses benefiting from quick, clear decisions.”
“As we move further into 2026, our focus is on building on this momentum – continuing to support our broker network, maintaining rapid decision-making, and ensuring our clients have access to the funding they need to grow when it matters most.”
UK SME Funding | Quarter Update
Liquidity over headline rates.
Certainty of funds remains the priority.
Short-term facilities dominate.
Supporting stock cycles and trading gaps.
Speed is expected.
Delays cost opportunities.
Context improves outcomes.
Strong upfront communication drives approvals.
Inside Funding Alternative
Here’s what’s been happening:
- Average Time To Offer: 2 hours 24 minutes – Our fastest turnaround so far this year.
- Decision Quality: Strong first-pass accuracy, driven by clearer revenue verification and structured application write-ups.
- Sectors Showing Momentum:
- Garages – Workshop upgrades, equipment investment, and fleet expansions
- Retail – Seasonal stock purchasing and working capital support
- Key Underwriting Insight: Providing open banking at an early stage gives us clear visibility of cashflows, helping us provide faster turnaround times and more fruitful offers.
- Criteria Updates (Now Live):
