Giving you access to lenders you can’t approach directly. Expertise from nearly 50 years inside UK Banking
We arrange invoice finance, property funding, asset finance and merchant card advances for businesses across the UK – including deals your Bank turned down.
Speak to the Team today: 0113 518 2253
Authorised and regulated by the Financial Conduct Authority (FCA 937211)
WHY WE ARE DIFFERENT
After nearly fifty years experience across the team with most of time spent working in high street banks, private lenders, invoice finance specialist and bridging lenders – you start recognising which applications lenders actually want to see.
Not which ones they say they’ll consider.
Which ones they want.
That’s the difference between a broker who sends your details to twenty lenders hoping something sticks, and someone who knows the three decision-makers most likely to say yes to your specific situation before you waste time on paperwork.
We act as your virtual bank manager – except we have access to multiple lenders instead of just one. We will tell you straight whether something works or doesn’t. If your bank said no, we’ll explain why and whether a specialist lender sees it differently. If we can’t help, we’ll say so upfront and save you the time.
We can’t get everyone approved. Nobody can. But we know which lenders move fastest, which ones understand complex situations, and which ones you can’t approach directly without a broker relationship.
Call the team on 0113 518 2253
Address: Parkhill Business Centre, Walton Road, Wetherby, West Yorkshire, LS22 5DZ
Contact the team
Call us on 0113 518 2253
WHEN YOUR BANK SAYS NO
Scenario: Property developer in Scotland. Valuation came in light. Bank pulled out. Exchange in three weeks.
We found a bridging lender who understood the refurb potential – completed in 12 days. Sometimes it’s not about whether you can buy it. It’s about whether you can afford to wait.
Scenario: Manufacturing business in Yorkshire. £800K tied up in invoices. 60-day terms killing cashflow. Thursday panic because payroll is next Friday.
Confidential invoice discounting released £640K before payroll was due. Their customers never knew they were using it. They stopped checking the bank balance every morning.
Scenario: Hospitality business in Birmingham. Card revenue £45K monthly but seasonal. Traditional loan repayments would crush them November through February.
Merchant advance adjusts with their takings – they repay more when busy, less when quiet. The fixed repayments that would have closed them in January became a non-issue.
Scenario: Transport company in Leeds. Expanding fleet. Three vans, two trucks, new machinery. £180K outlay would empty reserves.
Asset finance spread over four years. They kept working capital for the contract that needed the equipment – the deposit they didn’t spend went into hiring the team to operate it.
WHAT CAN WE HELP WITH?
Invoice Finance: Confidential Invoice Discounting, Factoring & Asset Based Lending
For businesses with £50K to £5M+ in outstanding invoices, typically on 30-60 day terms.
Your customers don’t pay for 45 days but you need to pay suppliers, staff, and overheads this week. That gap between invoicing and payment strangles growth.
Invoice finance releases up to 90% of invoice value within 48 hours. With confidential invoice discounting, your customers never know you’re using it – you still chase payment, maintain relationships, keep control.
With factoring, the lender manages your sales ledger and chases payment for you. Asset based lending works for businesses with stock, machinery, or property alongside invoices.
After spending years arranging invoice finance facilities at major banks, we know which lenders suit trading businesses, which ones understand seasonal patterns, and which ones actually move at the speed you need.
Invoice Discounting | Factoring | Asset Based Lending | Selective Invoice Finance
Property Finance: Bridging Loans, Development Finance & Commercial Mortgages
For property investors, developers, and businesses acquiring premises.
You’ve found the right property but the timing’s wrong. Existing property needs selling first. Development requires staged funding. Traditional mortgage takes three months and you need to exchange in four weeks.
We arrange bridging finance from £50K to £5M+ (typically 1-24 months), development finance for ground-up builds and refurbishments, and commercial mortgages for owner-occupied or investment properties.
Our relationships include specialist property lenders who understand light refurbishment, HMO conversion, site assembly, and situations where high street banks say no.
Bridging Finance | Development Finance | Commercial Loans
Asset & Equipment Finance: Vehicles, Machinery & Business Assets
For businesses buying cars, vans, trucks, plant machinery, manufacturing equipment, or renewable energy installations.
Why empty your reserves on a £60K vehicle or £150K machinery when you can spread the cost over three to five years? You need the working capital for the contract that requires the equipment – not tied up in the equipment itself.
We work with lenders who finance everything from single vehicles to entire fleets, construction plant, manufacturing machinery, agricultural equipment, and commercial solar installations.
Finance can be structured as hire purchase (you own it at the end), lease purchase, or operating lease depending on your tax position and how long you’ll use the asset.
Vehicles | Machinery | Business Assets
Merchant Card Advance: Flexible Funding Based on Card Sales
For retail, hospitality, and service businesses taking card payments (in-person or online).
Depending on your monthly card revenue, borrow between £1,000 and £1 million. Unlike a typical bank loan, repayments are made as a fixed percentage of your daily card takings.
You don’t repay the same amount every month. As your sales fluctuate, so do your repayments. Busy December – you repay more. Quiet February – you repay less.
Perfect for businesses with seasonal revenue, where fixed loan repayments during slow months create cashflow pressure you don’t need.
Card | Flexible Funding
Trade Finance
Trade finance acts as the financial backbone for global commerce, particularly in the context of funding stock transactions. Imagine you’re a company looking to engage in international trade, buying and selling goods across borders. Trade Finance simplifies this process by providing essential funding solutions
We at Shadowfax Funding Solutions can help guide you to the right trade finance tools such as letters of credit and trade credit insurance. Letters of credit ensure secure transactions, allowing you to pay only when specific conditions are met. When used with Trade Credit insurance from our trusted partners it safeguards businesses from the risk of non-payment by buyers, promoting a more secure trading environment.
What happens when you work with someone who has fought your corner from inside a bank
FAQ's
Please see below for Frequently Asked Questions (FAQ’S)
Why should I use a finance broker instead of going direct?
Brokers give you access to multiple lenders (including some you can’t approach directly) and know exactly which ones are likely to approve your application. We increase your chances of getting a “yes” and can often negotiate better terms on your behalf.
After nearly 50 years inside major banks, we know which lenders want to see which applications. This saves you time, improves your approval odds, and gets you funded faster.
What does a Finance Broker do?
A finance broker acts as a middleman between your business and a range of lenders. Instead of going from bank to bank yourself, we assess your needs and match you with the most suitable finance options—saving you time, hassle, and often money.
We handle the entire process: application preparation, lender liaison, solicitor coordination and completion. You focus on running your business.
Do I need good credit to apply?
Not necessarily. Many lenders consider your full business picture, not just your credit score. They look at Cashflow, assets, trading history and the strength of the deal itself.
We help find a solution that fits your circumstances. If your bank said no because of credit history, a specialist lender might see it differently – especially for property deals with strong security or invoice finance backed by quality debtors.
Is it expensive to use a finance broker?
No. We’re transparent on any costs we charge directly to you upfront, before you engage us. In most cases, we’re paid commission by the lender once your facility completes.
We’ll explain exactly how we’re remunerated before you proceed with any agreement. There are no hidden costs.
Are you regulated?
Yes. We are authorised and regulated by the Financial Conduct Authority (FCA) as Shadowfax Funding Solutions Limited, firm reference number 937211.
Our registered address is Parkhill Business Centre, Walton Road, Wetherby, West Yorkshire, LS22 5DZ.
Get in touch
Funding question? Even if you're not sure what's possible, call us. We'll tell you straight whether we can help.
If you would like to know more about the products and services we offer or have any other questions then please click the button below to get in touch. Alternatively, you can call us direct on 0113 518 2253