Funding Guru: products, terms and eligibility

Funding Guru is a UK provider of bridging loans. The legal entity named on its site is Funding Guru Limited, company number 11761452. It is based in Leeds. It gives its founding year as 2014.

Funding Guru says it was founded in 2014 by Matt Haycox, who is its founder and CEO, to help other business owners access finance based on his own experience of raising it. It is privately held and based at 11 Park Place, Leeds. It describes itself as primarily a direct lender with in-house underwriting that is also a broker, and says that if it cannot fund a case itself it will know who can.

In its own words on scale:

• Says it has loaned more than £500m to UK businesses since 2014 (figure on its site in October 2026).
• Says it typically finances between £100,000 and £1,000,000 but considers requests of various sizes.

Everything on this page comes from what Funding Guru publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Funding Guru publishes one product for UK businesses. The table above gives the amounts and terms as it states them.

• Commercial bridging loan: Usually replaced with long-term funding or settled when the property is sold.

Commercial bridging loan

Funding Guru describes a bridging loan as finance typically secured against property or another valuable asset, used as temporary funding while permanent finance is arranged, typically lasting under 12 months. Applicants need a clear exit strategy, such as sale proceeds, a refinance onto a longer-term mortgage or loan, or business cash flow. It says adverse credit, including CCJs or defaults, is considered case by case. Loan-to-value limits are not stated on the page read.

Funding Guru says its finance is used for:

• Property purchases and auction buys
• Property development and renovation
• Buy-to-let and investment purchases
• Property chain solutions
• Temporary funding while arranging longer-term finance

Sectors and business types it says it funds:

• Property investors and developers
• Says it considers applications from any sector and business owner, including those with chequered credit history

Funding Guru publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Can be used for any commercial purpose with a clear exit strategy.
• Secured against property or another asset; details of the security asset required.
• Applicants with adverse credit are considered.
• Annual accounts, management accounts and three months of bank statements typically requested.

Funding Guru describes its process like this:

1. Complete the short online application.
2. Submit the bridging proposal, including the security property and exit strategy.
3. Provide supporting documents such as accounts, bank statements and property details.
4. The proposal is assessed and, if approved, funds are released.

Information it says it asks for:

• Annual accounts and management accounts
• Last three months of bank statements
• Property details (size, condition, sales particulars)
• Estate agent evidence of property value
• Renovation plans or refinancing evidence
• Business cash flow projections

Every application is subject to status and the lender’s own criteria at the time.

A bridging loan is short-term borrowing secured on property, used to bridge a gap until a sale or longer-term finance completes. Interest is often rolled up or retained and repaid with the loan at the end, so the plan for repaying it, known as the exit, matters as much as the property.

Lenders lend up to a share of the property’s value and will want to see that exit. Bridging costs more than long-term borrowing, so it is worth understanding how lenders differ before you compare offers.

Points Funding Guru publishes that are worth knowing:

• Also acts as a broker and says it can access a wider panel of lenders.
• Says it typically lends between £100,000 and £1,000,000 across all products (About page).
• Bridging loans are typically secured against property.

Security and guarantees

Loans must be secured against property or another valuable asset, with details of the security asset required. A clear exit strategy is required. Early repayment terms are not addressed on the page read.

The pages we checked do not carry a regulatory statement, so we describe none. Ask Funding Guru how it is regulated and check any claim on the FCA Register.

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of bridging loans with profiles here include Glenhawk, Lendhub and MS Lending Group. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.