How it Works

At Cubefunder, we combine a mix of technology and the human element in our lending process to provide a customised, fast and flexible financing solution.

Quick and Easy Loan Application

  • 01 Apply


    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.

  • 02 Quick Call

    Quick Call

    Within 30 minutes, our dedicated customer service team will reach out to get a better understanding of your business and your funding requirements.

  • 03 Underwriting


    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.

  • 04 Meet us

    Meet us

    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.

Why Choose Cubefunder

Simple Eligibility Criteria

Simple Eligibility Criteria

lending criteria
Fast application process

Fast application process

No early repayment penalty

No early repayment penalty

Direct Lender

Direct Lender

We accept bad credit

We accept bad credit

No late payment penalty

No late payment penalty


Customer Testimonials

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.

Maria Dolan

Customer Testimonials

We’ve been a Cubefunder customer for 2 years now. No frustrations what so ever. Very easy to deal with.

Westley Brown
WBM Scaffolding

Customer Testimonials

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 Revolution

Application process FAQ

What is the minimum lending criteria?

The minimum eligibility requirements are:

  • A limited company registered in England or Wales
  • Minimum of 3 months trading
  • Monthly revenue +£4,000
  • Business purpose

How long will the application process take?

The initial application takes less than 2 minutes to complete. After we receive your online application, our goal is to process your application and have funds in your account as fast as possible. The biggest delays in the process happen if we are unable to get in contact with you and get the documents we require.

How fast can I get a decision?

We will call and email you to progress your application on the same working day that we receive your application.

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.

Why do you need my phone number and email?

We aim to contact every applicant on the same working day that we receive the application. We will contact you using the phone number and email provided in your application. We speak with every customer to get the whole picture of their business as we do not make lending decisions solely based on arbitrary scores.

Do you visit every business?

Yes, we value the human side of lending and visit every customer at their place of business before funding. After the visit, we will aim to have the funds in your account within 24 hours.

What documents do I need to provide?

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 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.

If you have any questions about the Open Banking initiative, you can visit the official Open Banking website here.

Read Full Faq

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A business loan for any business purpose.