Business Funding Trends 2026

Nick Richardson: What a year it has been. In 2025, we offered 100s of millions of pounds to businesses, funded business across almost all industries and worked with over 100 lenders. 2025 has been a record year for our team! Our most exciting year so far from my point of view. So Quin, Liam, which deal had the biggest impact on you in 2025? Which one really stuck with you the most?

Quinlan Noble: We’ve helped so many great businesses this year. The one that stuck with me involved securing a £1 million facility for a major online retailer. What made it special was the structure: a revolving credit facility with no personal guarantee, which many lenders simply can’t support. The client has been able to fund inventory growth, without putting personal assets at risk, while also improving cash flow. Seeing that kind of outcome is exactly why I enjoy being a funding specialist.

Liam Francis: I know the feeling Quin, we’re at our best when we’re helping businesses plan for the future. I’ve also seen demand increasing for revolving facilities this year that sit in the background over traditional large term loans. My deal of the year was a £230k revolving facility for a company that sells tents and marquees.  They initially came to us for asset finance, but this wasn’t the right fit, so we stepped back and re-structured the solution entirely. We sourced a facility that allows businesses to spread any supplier payments over a long term. 

Nick Richardson: Yes,I hear what you’re saying Liam. I think the increase in demand for these facilities has a lot to do with business owners being hesitant about the increasingly high cost of short-term debt. There is so much uncertainty in the economy that it’s gotten hard for some of them to plan with confidence. So those were two great examples you both shared.  Now, what would you say were your highlights of 2025?

Quinlan Noble: My highlight hasn’t been a single moment, but the sheer volume and variety of businesses we’ve been able to fund this year. That breadth didn’t happen by chance. It’s the result of the years we’ve spent building strong lender relationships, expanding our panel, and deepening our understanding of how different businesses really operate.

Nick Richardson: I couldn't agree more. Watching the team collaborate, problem solve, and structure complex deals has been incredibly rewarding. We’re not just funding businesses, we’re helping them make better financial decisions, plan with confidence, and access the right support as they grow. That is really what I love about being a funding specialist.

Liam Francis: Absolutely. We’re not just helping clients on a one off basis, more and more, we’re becoming part of their long term growth plans, and that’s been a real highlight for me this year. Being able to support businesses beyond just the initial loan offer puts us in a really strong position heading into 2026.

Nick Richardson: Thanks for sharing guys. Looking back on 2025, what stands out the most for me is how the experience we’ve built over many years is showing in the work we’re doing today. In the current environment, businesses need funding partners who understand complexity and can tailor solutions to their needs.  That’s exactly what we’ve been focused on and it puts us in a strong position heading into 2026.