The business finance platform for UK companies
Fund what
comes next.
Tell us what your business needs. An adviser, working from one system that holds every lender’s criteria, finds the right route, explains what each offer really costs and stays with you until you have a decision.
- Free to check, no obligation
- One application, many lenders
- An adviser when you want one
Your funding options
Example£75,000
Over 24 months · Harbour Bakery Ltd
- Unsecured business loan6 lenders on the panelStrong fit
- Merchant cash advance3 lenders on the panelGood fit
- Revolving credit facility2 lenders on the panelNeeds info
Estimated repayment
£3,511
a month, illustrative
- to reach specialist lenders across our panel
- 1 enquiry
- funding, depending on the lender and your business
- £1k–£1m
- to check your options, with no obligation
- £0
- who guides you from first call to decision
- Your adviser
Why BrightSky
Software that does the legwork. People who make the call.
Business finance has always depended on judgement, relationships and knowing who to call. BrightSky keeps that human value and builds software to remove the opacity, jargon and waiting around it.
Your adviser, start to finish
A real person who gets to know your business, answers your questions and stays with you until you have a decision.
A panel of specialist lenders
Every lender’s criteria sits in one system, so your adviser can look beyond the high street to lenders that suit how your business earns.
The real cost, explained
Interest, fees, factor rates and guarantees set out in plain English for every offer, so you can compare like with like.
From £1,000 to £1 million
Business loans, cash advances, revolving credit, invoice finance and tax funding, shaped around what you need.
Less paperwork chasing
Share bank statements once, securely, and your adviser prepares everything lenders need to see.
No cost, no obligation to check
Finding out what’s possible costs you nothing. Lenders usually pay us, and we’ll always tell you how.
How it works
A clearer path to funding.
Four steps, and no guesswork about what happens next.
- 1
Tell us what you need
Share how much you're looking for, what it's for and a few details about your business. It takes a few minutes.
- 2
Connect your information
Link your business account securely through open banking, or upload recent bank statements.
- 3
Compare suitable routes
We match you with lenders that fit your profile and explain the trade-offs in plain language.
- 4
Move forward with support
Your adviser helps you prepare, answers questions and keeps you updated until a decision is made.
It takes about two minutes, with no obligation.
Your application, in view
No more wondering what’s happening.
Your adviser keeps you updated at every step, and your online account brings it together, so you always know where you stand.
Know where things stand
What’s been sent, which lenders are reviewing and what happens next.
Share documents once
Upload statements securely or connect your bank, instead of emailing attachments.
Compare offers side by side
Amount, term, total repayable, fees and guarantees, laid out the same way.
Your adviser, a message away
Ask a question whenever it comes up and get an answer from someone who knows your case.
£75,000
Harbour Bakery Ltd · Business loan
- Enquiry
- Documents
- With lenders
- Offers
- Funded
Lenders
- Lender AOffer received
- Lender BReviewing
- Lender CMore info needed
From your adviser
“Good news: one offer in already. Lender C just needs last month’s statement. Shall I call you this afternoon?”
Today, 11:42Funding routes
Find the funding that fits.
Every business borrows differently. Explore the main routes we arrange, or tell us what you need and we'll point you in the right direction.
Business loans
A lump sum repaid in fixed instalments over months or years.
Unsecured business loans
Borrow without putting up property or assets as security.
Merchant cash advance
Repay as a share of your card takings, so payments flex with sales.
Revolving credit
A facility to draw on, repay and draw again as you need it.
Invoice finance
Release cash tied up in unpaid customer invoices.
VAT and tax loans
Spread a VAT or corporation tax bill over a few months.
Short-term loans
Borrow for 3 to 12 months to bridge a gap or seize a chance.
Fast business funding
Routes and preparation that keep things moving when timing matters.
Loan calculator
Estimate your repayments.
Adjust the amount, term and rate to see what a fixed-rate business loan could cost each month.
Estimated monthly repayment£3,083.14
- Total repayment
- £110,993
- Total interest
- £10,993
Illustrative only. Assumes a fixed rate and equal monthly repayments, with no fees. The amount, rate and term you're offered depend on your business and the lender.
Your next move starts with a clearer view.
Tell us what you need. We'll show you the routes that fit your business and help you take the next step.