Yes, at Cubefunder, we don’t make decisions based on arbitrary scores. We look at your business as a whole before making a lending decision. We do not instantly decline a loan solely based on a poor credit score.
If your business passes our affordability and loan criteria, we can still offer you the funding, even if you have a bad personal credit score.
We understand that a business may have its ups and downs and this may have had an adverse impact on your credit score. We will still consider applications from directors with poor credit so don’t let that stop you from applying for a business loan from Cubefunder.Apply Now
“Cubefunder was one of the only lenders that would lend us money because my credit rating was damaged trying to build the company over 10 years which is still running.”
Simon Llewellyn, The Sausage RevolutionApply Now
Any business purpose£5,000 - £100,000.
Here is a list of common business purposes that we provide a loan for. This is not an exhaustive list, we will consider any valid business purpose including plugging cash flow gaps ahead of a rent or VAT quarter.Apply Now
Takes less than 2 minutes to apply online, we only require basic information like your contact details and your company name. No business plans or bugets required.
Within 30 minutes, our dedicated customer service team will reach out to get a better understanding of your business and your funding requirements.
As soon as we receive the required documents, our team will review your information and determine how much we would be able to lend to your business.
On the same day (before funding), a member of our team will visit you at your place of work so you can get to know us and we can get to know you and your business.
Let down by the traditional institutions? We will still consider your application for a business loan.
Nothing in this world is perfect. We review your whole business and not just an arbitrary score.
As long as you have been trading for at least 3 months, we will consider your business loan application.
We provide businesses with the funding they need for any valid business reason.
No late payment penalties. If your business hits a speedbump, give our team a call and we will work with you.
We work with your business to create a suitable repayment plan for your business.
We don't punish small businesses for being successful. We don't charge any fees for settling loans earlier than expected.
We don't ask for complicated business plans or projections. On most occasions, we just need to see your business bank statements.
We provide business loans for any business purpose including tax payments, stock purchase, HMRC payments and more.
UK based lending team available to answer any questions and help you need when you need it.
We needed the funding to increase our showroom presence and have more output in our factory. I chose Cubefunder after initially being declined a loan with my business bank.
We’ve been a Cubefunder customer for 2 years now. No frustrations what so ever. Very easy to deal with.
Cubefunder was one of the only lenders that would lend us money because my credit rating was damaged trying to build the company over 10 years which is still running.
Answers to the most frequently asked questions by our customers
Yes, we will take into account more than just your credit score and review if you will be able to afford the repayments. Cubefunder always lends responsibly, and therefore we need to see that your business can afford repayments. We also urge you to seek professional advice before taking on a loan.
No. Like most lenders, we will need to carry out a credit check before we are able to lend. We only run a credit check after we have spoken to you, passed the application and have your express consent.
Our process is the same for all applicants with poor credit. Simply apply via our online form to get started and we will be in touch to make sure we have everything to make a lending decision.
We can complete the application and have funds in your business account as fast as 2 working days. The application will be processed quickest if your business bank is eligible for Open banking technology, which virtually all banks are now.
Yes, we offer unsecured business loans. We are able to offer faster lending decisions as we require less paperwork compared to a secured loan.
We will need sight of the last 90 days of business banking transactions. The quickest way to do this is with secure Open Banking technology.
We handle this using consents.online and send you a link to securely authorise your bank to supply the transaction data in a few seconds. Only if you are unable to use Open Banking Technology (eg if your bank is not in the scheme), we can accept PDF copies.