June 2026 – Deal of the Month
£50,000 Selective Invoice Finance – Construction Consultancy
With summer projects gathering momentum, one established construction consultancy came to us looking for a smarter way to keep cash flowing while waiting for client invoices to be paid.
Rather than tying up valuable working capital for weeks, they opted for a £50,000 Selective Invoice Finance facility, giving them the flexibility to release funds from individual invoices only when they needed them.
No unnecessary borrowing, no complicated facilities – just quick access to cash exactly when it mattered.
After reviewing their business trading activity and upcoming project pipeline, our team structured a solution that fitted seamlessly around their day-to-day operations, allowing them to stay focused on delivering projects instead of chasing payments.
The result:
- £50,000 Selective Invoice Finance facility approved.
- Funding secured against selected invoices only.
- Immediate cashflow to support ongoing projects.
- Greater flexibility without committing the entire sales ledger.
- A tailored funding solution built around the business, not the other way around.
Sometimes the right funding isn’t about borrowing more, it’s about making the money you’ve already earned work harder.
Credit Corner
Behind the Scenes with the Credit Team – June Update
June was another busy month for the Credit Team, with a healthy mix of refinances, returning clients, and new-to-group businesses seeking funding solutions.
Whilst maintaining speed remains a key focus, we also continued to support a broader range of funding requirements across our product suite.
Here’s what has been happening:
- Average time to offer: 2 hours 51 minutes across our core products.
- Balanced deal flow across refinances, returning clients and new-to-group businesses, creating a diverse pipeline across all products.
- Growing demand for Selective Invoice Finance facilities, particularly from consultancy and project-led businesses seeking flexible working capital solutions.
- Continued collaboration across teams, helping structure tailored funding solutions for more complex requirements.
Broker of the Month: Mel
A huge congratulations to Mel M, our Broker of the Month for June!
Mel consistently goes above and beyond for her clients, bringing professionalism, positivity and an outstanding eye for detail to every deal she submits.
Her excellent communication, well-packaged applications and proactive approach make the funding process smooth from start to finish, allowing our underwriting team to move quickly and deliver the best possible outcomes.
It’s always a pleasure working with Mel, and we’re incredibly grateful for the trust she continues to place in Funding Alternative.
Congratulations, Mel! We’re looking forward to many more successful deals together!
From the Desk of our CEO, Serge Santos…
“June has been another exciting month for Funding Alternative, and one thing has become increasingly clear – UK businesses are continuing to invest in growth with confidence.
Across our broker network, we’re seeing clients move quickly to seize opportunities, whether that’s expanding operations, improving cash flow or investing in future projects. Speed and flexibility have never been more important, and we’re proud to continue delivering both.”
“As we head into the second half of the year, our focus remains on innovation. By continuing to invest in our people, technology and product offering, we’re creating even more opportunities for brokers to support their clients with the right funding solution at the right time.”
“There’s plenty happening behind the scenes, and we’re excited to share more very soon.”
UK SME Funding | June Insights
SMEs Are Planning Ahead, Not Playing Catch-Up
One trend has stood out this month: businesses are becoming far more proactive with funding.
Rather than waiting for cash flow to become a challenge, more SMEs are securing finance early so they’re ready to take advantage of new contracts, invest in stock, recruit staff and grow with confidence.
We’ve also seen increasing demand for flexible products that work alongside existing banking facilities, giving businesses more choice without unnecessary complexity.
As market conditions continue to improve, preparation is proving just as valuable as opportunity, and businesses with access to flexible funding are putting themselves in the strongest position for the months ahead.
Inside Funding Alternative
Something Exciting is on the Way…
Behind the scenes, our team has been hard at work developing an exciting new funding product that will give our brokers even more ways to help their clients.
Designed with speed, flexibility and accessibility at its core, this new solution will open the door for businesses that may not fit traditional lending criteria, while giving brokers another powerful option when structuring deals.
Alongside this, we’re continuing to enhance our technology and internal processes to make submissions smoother, decisions faster and the overall funding journey even better.
Watch this space… there’s plenty more to come.
This month, we’d also like to shine a spotlight on Selective Invoice Finance (SIF).
SIF continues to be a valuable solution for businesses that need access to cash tied up in individual invoices, without committing their entire sales ledger.
A standout case this month saw the team work closely across the business to secure a new Selective Invoice Finance facility for a busy independent construction consultancy. By funding against completed work and approved invoices, the facility provided additional working capital whilst allowing the client to continue focusing on delivering projects rather than waiting for payment.
Sectors showing strong momentum:
- Consultancy Services – continued demand for working capital support against larger projects and contract-based income.
- Automotive – funding to support stock acquisition, growth, and refinancing requirements.
- Hospitality – helping businesses manage cashflow, seasonal fluctuations, and expansion opportunities.
Underwriting Insight
One of the strengths of Selective Invoice Finance is that it allows us to assess not just the client, but also the quality of the underlying debtor and invoice. Where there is a clear audit trail, completed work, and a strong payer, SIF can provide an effective funding solution that supports growth without adding unnecessary pressure to day-to-day cashflow.
As always, the more information we receive upfront regarding the contract, invoice, and debtor relationship, the quicker we can assess suitability and deliver a decision.
