Lender review · Unsecured fixed-fee term loan
Cubefunder
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 09261403
- Methodology Public
Windsor-based direct lender trading as Cubefunder. Fixed-fee structure means total cost is set at outset rather than accruing as APR. Open to England-and-Wales Ltd companies trading three months or more with £4k+ monthly turnover.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- Unsecured fixed-fee term loan
- Ticket size
- £5k to £100k
- Typical rate
- Fixed total fee, quoted at offer
- Decision time
- 24 to 48 hours
- Soft search at quote
- Yes
- Limited companies only
- Yes
- FCA regulated
- Yes (check the FCA Register)
- Companies House
- 09261403
- Founded
- 2014
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity4/5
- Decision speed4/5
- Decline handling4/5
How Cubefunder works
Cubefunder operates as a unsecured fixed-fee term loan provider in the UK SMB market. Windsor-based direct lender trading as Cubefunder. Fixed-fee structure means total cost is set at outset rather than accruing as APR. Open to England-and-Wales Ltd companies trading three months or more with £4k+ monthly turnover.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £5k to £100k band, decisions land within 24 to 48 hours, and the published rate range is Fixed total fee, quoted at offer. Soft search at quote means no impact on your credit file at the eligibility stage. Cubefunder is FCA regulated.
Where Cubefunder fits best: newer ltd companies (3 months+ trading), sub-£100k tickets, borrowers wanting predictable total cost. Where it does not fit: scottish and ni registered companies, £100k+ tickets, sole traders.
Pricing examples
Worked examples using Cubefunder's published rate range (Fixed total fee, quoted at offer). This lender prices by factor rate or bespoke quote, so we show the structure, not a worked APR.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | See lender quote | See lender quote |
| £50,000 | 36 months | See lender quote | See lender quote |
| £100,000 | 48 months | See lender quote | See lender quote |
Indicative only. Confirm on a Cubefunder quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Scottish and NI registered companies; £100k+ tickets.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies only.
- Best fit: Newer Ltd companies (3 months+ trading); Sub-£100k tickets; Borrowers wanting predictable total cost.
Pros
- + Fixed total fee, no compounding interest.
- + Low minimum trading bar (3 months).
- + Funds in around 48 hours.
- + Direct lender; no broker hand-off.
Cons
- − England and Wales Ltd companies only, Scotland and NI excluded.
- − Cap of £100k limits utility for larger SMEs.
- − Headline rate not advertised, total fee revealed only at offer.
- − Smaller brand vs mainstream alternatives.
Best for
- · Newer Ltd companies (3 months+ trading)
- · Sub-£100k tickets
- · Borrowers wanting predictable total cost
Weak at
- · Scottish and NI registered companies
- · £100k+ tickets
- · Sole traders
When to use Cubefunder
Use Cubefunder when
Your application matches the best-fit profile: newer ltd companies (3 months+ trading), sub-£100k tickets, borrowers wanting predictable total cost. The published ticket range (£5k to £100k) covers your ask, the decision speed (24 to 48 hours) fits your cash-gap timeline, and the rate range (Fixed total fee, quoted at offer) is acceptable to you given your credit profile. Soft search at quote means there is no downside to running an eligibility check before committing.
Do not use Cubefunder when
Your profile sits in the weak-at list: scottish and ni registered companies, £100k+ tickets, sole traders. Cubefunder will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Cubefunder as a screen.
FAQs
What is the minimum trading time for Cubefunder?
Cubefunder typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Cubefunder require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Cubefunder is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For unsecured fixed-fee term loan specifically, expect a PG to be requested.
How fast does Cubefunder fund?
Cubefunder quotes 24 to 48 hours for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Cubefunder?
Cubefunder's published range is Fixed total fee, quoted at offer. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Cubefunder declines me?
If Cubefunder declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Cubefunder scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via www.cubefunder.com, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Cubefunder.
Specialty alternatives
See all lender reviews for alternatives.
Cubefunder compared head-to-head
Side-by-side breakdowns of rate, ticket band, decision speed, eligibility and best-fit for UK SMEs.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.cubefunder.com.