Compare Funding Options
Compare business funding and property finance options side by side. Understand how facilities differ in cost, security, flexibility, repayments, eligibility and the type of requirement they are designed to support.
Which Funding Option Is Right for Me?
Not sure whether to explore a business loan, invoice finance, asset finance, revolving credit, bridging finance or development funding?
The main Shadowfax funding guide explains the principal options available to UK businesses, property investors and developers.
Compare Business Funding Options
Explore working-capital facilities, business loans, invoice finance, asset finance and other commercial funding structures.
Invoice Finance vs Business Overdraft
Compare invoice-led working capital with a conventional overdraft limit.
Factoring vs Invoice Discounting
Compare credit control, confidentiality and sales-ledger administration.
Invoice Finance vs Asset-Based Lending
Compare receivables funding with a wider facility supported by additional eligible assets.
Business Loan vs Invoice Finance
Compare a fixed loan with funding linked to eligible unpaid invoices.
Business Loan vs Merchant Card Advance
Compare scheduled loan repayments with collections linked to future card sales.
Asset Finance vs Hire Purchase
Compare asset-funding structures for vehicles, machinery and equipment.
Asset Finance vs Leasing
Compare ownership, flexibility and end-of-term options.
Unsecured Loan vs Secured Loan
Compare borrowing without specific asset security against asset-backed borrowing.
Revolving Credit Facility vs Business Loan
Compare reusable credit with a fixed loan and repayment schedule.
Trade Finance vs Invoice Finance
Compare pre-sale supplier funding with post-sale receivables funding.
Compare Property and Development Finance
Compare acquisition, refurbishment, mortgage and development funding for property investors, businesses and developers.
Bridging Finance vs Development Finance
Compare short-term property funding with staged development finance.
Bridging Finance vs Commercial Mortgage
Compare temporary property finance with longer-term commercial mortgage funding.
Development Finance vs Refurbishment Finance
Compare funding for substantial development with finance for refurbishment works.
Bridging Loan vs Second Charge Loan
Compare short-term bridging with borrowing secured behind an existing first charge.
Commercial Mortgage vs Buy-to-Let Mortgage
Compare commercial and mixed-use property finance with residential investment mortgages.
Development Finance vs Joint Venture Finance
Compare secured development debt with an equity partner sharing risk and returns.
Development Finance vs Mezzanine Finance
Compare senior development debt with subordinate finance used to reduce the equity requirement.
Bridging Finance vs Auction Finance
Compare general bridging with funding prepared around an auction completion deadline.
Refurbishment Finance vs Bridging Finance
Compare a general bridge with finance structured around acquisition, works and exit.
Funding Solutions by Industry
Start with the way the business or investment operates, then compare the funding facilities designed to support its assets, cash cycle, expenditure and growth plans.
Funding for Recruitment Businesses
Compare recruitment invoice finance, payroll funding, factoring, invoice discounting, revolving credit and business loans.
Funding for Manufacturers
Compare asset finance, trade finance, invoice finance, asset-based lending, revolving credit and business loans.
Funding for Contractors
Compare invoice finance, trade finance, revolving credit, business loans and asset finance for contractors and consultants.
Funding for Property Investors
Compare bridging finance, development finance, commercial mortgages, buy-to-let mortgages, refurbishment finance and second-charge funding.
Tools & Calculators
Model indicative borrowing, compare facility costs and understand how different assumptions may affect a proposed funding structure.
Bridging Finance Calculator
Estimate the gross facility, deductions, day-one advance and indicative redemption figure.
Open the calculatorDevelopment Finance Calculator
Model acquisition, build costs, drawdowns, finance costs and indicative development leverage.
Open the calculatorBusiness Loan Capacity Calculator
Explore indicative borrowing based on affordability and the assumptions entered.
Open the calculatorBusiness Loan Comparison Tool
Compare monthly payments, total interest and overall borrowing costs.
Open the comparison toolInvoice Finance Comparison Tool
Compare indicative costs and model different invoice finance assumptions.
Open the comparison toolFunding Calculators Hub
Explore all available Shadowfax calculators and comparison tools.
View all funding toolsNot sure which funding option fits?
Shadowfax Funding Solutions can help review the requirement, available security, cash flow, property, assets and repayment route before suitable lenders are approached.
Comparing Funding Options FAQs
Where should I start when comparing funding?
Begin with the purpose, required amount, timescale, available security and repayment route.
What should I compare before choosing business finance?
Compare the purpose, total cost, repayment structure, security, flexibility, eligibility and effect on future cash flow.
Is the lowest interest rate always the best option?
No. Fees, repayment timing, security, facility conditions and the total amount payable can all affect suitability.
Can more than one funding facility be used?
Potentially, where the structures are compatible and the total borrowing remains affordable.
Are the calculators lending offers?
No. Calculator results are indicative and actual terms remain subject to lender criteria and approval.
This hub provides general information and does not constitute financial, investment, tax, legal, mortgage or property advice. Lending availability, pricing, fees, security, eligibility and repayment terms depend on the borrower, facility, lender and circumstances. Property or other assets may be at risk if secured borrowing is not repaid. Shadowfax Funding Solutions Limited is a credit broker, not a lender.