Lender review · SMB lender (entity not verified)
Infund
- Reviewed May 2026
- Editor Oliver Mackman
- Methodology Public
Infund appears in some UK SMB finance directories but the Companies House register does not show a clear active operating entity under the name. INFUND LLP was dissolved in 2008 and INFUND TECHNOLOGIES LIMITED is in liquidation. Operating status as a current UK SMB lender is not verifiable at the time of review. Listed for completeness only.
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
- SMB lender (entity not verified)
- Ticket size
- Bespoke
- Typical rate
- Quoted at offer
- Decision time
- Not published
- Soft search at quote
- No
- Limited companies only
- No
- FCA regulated
- No
Scores against our methodology
- Rate transparency1/5
- Eligibility clarity0/5
- Decision speed0/5
- Decline handling0/5
How Infund works
Infund operates as a smb lender (entity not verified) provider in the UK SMB market. Infund appears in some UK SMB finance directories but the Companies House register does not show a clear active operating entity under the name. INFUND LLP was dissolved in 2008 and INFUND TECHNOLOGIES LIMITED is in liquidation. Operating status as a current UK SMB lender is not verifiable at the time of review. Listed for completeness only.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the Bespoke band, decisions land within Not published, and the published rate range is Quoted at offer. A hard search may apply at quote stage; ask before you submit if credit-file footprint matters to you. Like most UK lenders to limited companies, the standard SMB lending sits outside the FCA perimeter.
Where Infund fits best: reference only. Where it does not fit: any borrower wanting a verified counterparty.
Pricing examples
Worked examples using Infund's published rate range (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 Infund 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: Any borrower wanting a verified counterparty.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Reference only.
Pros
- + Brand referenced in some UK SMB finance directories.
Cons
- − No active UK operating entity verified on Companies House.
- − No published rates, eligibility or product detail.
- − Borrowers should confirm the contracting entity and FCA status before engaging.
Best for
- · Reference only
Weak at
- · Any borrower wanting a verified counterparty
When to use Infund
Use Infund when
Your application matches the best-fit profile: reference only. The published ticket range (Bespoke) covers your ask, the decision speed (Not published) fits your cash-gap timeline, and the rate range (Quoted at offer) is acceptable to you given your credit profile.
Do not use Infund when
Your profile sits in the weak-at list: any borrower wanting a verified counterparty. Infund 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 Infund as a screen.
FAQs
What is the minimum trading time for Infund?
Infund 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 Infund require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Infund 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 smb lender (entity not verified) specifically, expect a PG to be requested.
How fast does Infund fund?
Infund quotes Not published 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 Infund?
Infund's published range is Quoted at offer. The headline number is rarely the offered number. Rate transparency on this lender scores 1/5 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 Infund declines me?
If Infund 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. Infund scores 0/5 on decline handling in our methodology.
Where to apply
Apply directly via www.infund.co.uk, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Infund.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.infund.co.uk.