Funding Xchange – reviews, analysis and fees

Last updated on 10 August 2023

Funding Xchange is a basic broker portal that pairs SMEs and sole traders with up to 70 different investors.

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The basis of the portal is simple – enter some company details, how much you are looking to borrow, and for what purpose, into an online form, and Funding Xchange will draw from its pool of lenders that will theoretically provide your funds.

There is no impact on your credit score for this, but be aware that Funding Xchange has no involvement or power over whether your application is accepted. You will need to complete the full application process with the lender in question.

Always check the small print here to see what interest rate you will likely be charged, how long it will take to receive your funds, and any early repayment fees you may be liable for.

Video: Business loans and finance explained

Funding Xchange business loans and finance

Pros and cons of Funding Xchange for business finance 

Wide range of lending products Funding Xchange is a broker portal, not a lender – you will need to wait for your funds
Over 70 different partner lenders, meaning you are likely to find somebody willing to work with you Being recommended a lender does not guarantee that your application will be accepted
Fully regulated by the FCA Very few online reviews
Funding Xchange pros and cons

Business loans

Business loans, whether secured or unsecured, are perhaps the primary purpose of any SME utilising the services of Funding Xchange. Enter your company details and requirements and the portal will provide a list of investors that are potentially willing to lend to you. 

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Asset finance 

Funding Xchange will pair you with a business that is willing to finance an expensive asset purchase on a hire or lease basis, or a lender that is willing to secure lending against existing apparatus that your business owns.

Business vehicle finance

If you are looking for a single company car or a fleet of vehicles to bolster your business performance, Funding Xchange will pair you with specialist lenders.

Invoice finance

Invoice factoring can help you access immediate funding from outstanding invoices, maintaining a cash flow while you wait for these bills to be settled. It may be faster to apply directly, though – see our guide to invoice factoring service providers to check if this is the case. 

Merchant cash advance

Funding Xchange can connect you with a lender that may provide a merchant cash advance against future debit or credit card sales. See merchant cash advance if you prefer to apply directly.

Commercial mortgages

Funding Xchange can compare lenders that offer commercial mortgages, or buy-to-let options for an SPV. For more specialis lenders, see commercial mortgages.

Business credit cards

Funding Xchange does not compare business credit card providers. See best business credit cards

Funding Xchange account login

Funding Xchange key information

Phone number020 3695 9206
App downloadsN/A
Number of branchesN/A
FSCS protected?No
Key information

Funding Xchange reviews

Review platformScoreNumber of votes
FeefoNot reviewedN/A
Reviews.ioNot reviewedN/A
Smart Money PeopleNot reviewedN/A
Which?Not reviewedN/A
Average score3.2/51
Funding Xchange reviews and ratings

Business eligibility criteria

Funding Xchange is a broker, not a lender, so borrowing criteria will be assigned by the business that provides the funding. The only way that you can learn if you are capable of receiving funds by putting in an application.

Business finance alternatives

While Funding Xchange has a wide array of lenders available, it may be faster to apply for finance directly through one of the preferred partners. Consider what lending stream you are looking for and check out our guides to each product.


How do I apply for finance from Funding Xchange?

You can call Funding Xchange on 020 3695 9206 to discuss your needs, or fill in an online application for the lending stream that your business requires. You’ll get a provisional response within minutes.

If I borrow from Funding Xchange, who provides the money?

Funding Xchange works with 70 different lenders, aiming to pair you with the best possible financier for your needs.

How much can I borrow from Funding Xchange?

This depends on the lender that Funding Xchange puts you in contact with. 

Will getting a quote for lending from Funding Xchange impact my credit score?

No, Funding Xchange will not run a credit report when you make an enquiry about possible lending. Bear in mind that this means you may not be accepted for funding by a supplier if you have poor credit.

Will Funding Xchange charge me for their services?

Funding Xchange does not charge a fee to recommend you a lender, but the financier in question may set additional fees.

Will I need to secure a Funding Xchange loan against an asset?

Funding Xchange works with lenders that offer both secured and unsecured loans. Depending on your credit score and how much you are looking to borrow, the latter may be the only option open to you.

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