One application.
The funders who fit it.
Nothing to pay us.
Connexis is the desk between your business and the market. You put the case once. We place it with the funders on our panel whose criteria it actually meets — any sector, any purpose, £25,000 to £500m and beyond — and we run it to terms you can read.
- Out to funders
- Same day
- Facility range
- £25k – £500m+
- Cost to you
- Nothing
Illustration of the journey — three different cases, one process.
Before you tell us anything, here's who you're dealing with
Most people arrive here because an introducer sent them, or because they're about to hand over information about their business and want to know who's on the other end. Fair enough.
Who we actually are
A specialist commercial finance desk. Our people have spent more than twenty years in financial services, and the funders we place business with include names that have been lending to UK companies for over five decades — banks, challenger banks, independents and specialists.
What we're not
We're not a lender, and we're not a comparison site that sells your details to whoever pays most. Nobody buys your enquiry from us. Your application goes only to funders we've picked for your situation, and you'll be told who is looking at it before anything at all is agreed.
Why it costs you nothing
When a funder writes the deal, the funder pays us. That's the entire model — no fee to you, no charge for the conversation, and no obligation to accept anything you're offered. If the numbers don't work for your business, we'll say so rather than talk you into them. No invoice, ever.
Your application isn't queued. It's placed with the funders who can write it.
A clearing bank applies one credit policy. A panel is dozens of different appetites, and the work is knowing which of them fits the business in front of it — sector, size, security and structure.
It is read, properly
A person reviews your case the day it arrives: what you need, what supports it, and what a funder will ask for before they commit.
We match, we don't broadcast
Your file is scored against each funder's live criteria — sector, trading history, turnover, security, ticket size. Only the funders who can write it see it.
Terms come back to one desk
Funders respond with terms or questions. You get a single summary from a single contact, not eight conversations with eight credit teams.
An illustration, not live data. Funders stay anonymous here for their own commercial privacy — but you'll always be told who is considering your application, and nothing is submitted anywhere without your say-so.
The first 48 hours, hour by hour
Silence is the worst part of raising finance. This is the timetable we hold ourselves to, so you always know what should be happening and when.
Most straightforward cases have terms on the table inside two working days. Property, development and larger structured transactions run to valuations, monitoring surveyors and credit committees — we give you that timetable on day one rather than at the end of week two.
Every case carries a deadline in the system. If a funder or a document slips, it escalates internally before you notice.
- Within the hour
Your case reaches a person
Not a queue and not an auto-responder. It is read, and anything a funder will inevitably ask for is flagged before it costs you a day.
- Same working day
You get our read on it
A short, direct note: where this is fundable, which structures make sense, and what in the file needs addressing first.
- Same day, usually
It goes to matched funders
Only to the funders whose criteria the case meets, and only with what they need to form a view.
- 24–48 hours
Terms start coming back
Some funders respond in hours, others in a day or two. You hear the outcome either way, including the declines and the reason.
- On receipt of terms
We translate them
Rate, term, total cost, security, covenants, early repayment. Side by side, in plain figures, before anything is signed.
- After drawdown
The same contact stays with it
The person who placed the facility remains your point of contact — for the next facility, a review, or a change in the business.
You don't need to arrive knowing which facility you want
Most enquiries open with a number and a reason, not a product name. Nine routes, £25,000 to £500m and beyond, any sector and any purpose — and frequently two of them structured together.
Term debt & working capital
A facility drawn for a set term, repaid to a schedule you can plan around.
The right answer when the number and the reason are both known. Unsecured to a point, then funders price in security, debentures or guarantees — and the sizing follows turnover and serviceability.
- Typical size
- £25k – £10m
- Typical term
- 1–6 years
- Best for
- Defined spend, planned repayment
Invoice finance
Convert your sales ledger into working capital as you raise it.
The funder advances the majority of each invoice on issue and settles the balance when your customer pays. The facility scales with turnover, which is why it outlasts most term loans.
- Typical advance
- 80–90% per invoice
- Facility size
- £50k – £50m
- Best for
- 30–90 day payment terms
Asset finance & refinance
Fund plant, vehicles, machinery — or release the value already in them.
The asset carries the security, so appetite holds where unsecured lending thins out. Hire purchase to own it outright, lease to hand it back, refinance to put capital back on the balance sheet.
- Typical size
- £25k – £50m
- Typical term
- 1–7 years
- Best for
- Capex, fleet, plant, refinance
Bridging & short-term secured
Secured money against property, priced by the month.
Auction purchases, chain breaks, refinancing against the clock, or holding a position until a sale or term facility completes. Every funder underwrites the exit first, so the exit is where we start.
- Typical size
- £100k – £100m
- Typical term
- 3–24 months
- Best for
- Speed and certainty of completion
Commercial mortgages
Long-term debt on premises you own or are acquiring.
Owner-occupied industrial, offices, retail, healthcare and mixed-use — purchase, refinance or equity release. Valuation and legals set the timetable, so early engagement is worth real money.
- Typical size
- £250k – £100m
- Typical term
- 5–25 years
- Best for
- Acquiring or refinancing property
Development & construction
Staged funding against land, build costs and professional fees.
Residential, commercial and mixed-use schemes, drawn in tranches against monitored surveyor reports. Gearing follows GDV and cost, and the funder's confidence follows the team's track record.
- Typical size
- £500k – £150m
- Typical term
- 9–36 months
- Best for
- Land, build and refurbishment
Acquisition & structured debt
Senior, unitranche and mezzanine debt for the larger transaction.
Management buy-outs, bolt-on acquisitions, shareholder reorganisations and growth capital — structured with debt funds, clearing banks and private credit, including club and syndicated positions.
- Typical size
- £5m – £500m+
- Typical term
- 3–7 years
- Best for
- M&A, MBO, growth capital
Revenue-based & merchant advances
Repayment that moves with your takings rather than a fixed date.
An advance recovered as an agreed share of card or bank receipts, so a quiet month costs less than a strong one. Common in retail, hospitality, leisure and anything with a genuine season.
- Typical size
- £25k – £2m
- Typical speed
- Often within 24 hours
- Best for
- Seasonal and card-led trade
VAT, tax & seasonal facilities
Short facilities for the liabilities that arrive at the wrong moment.
Quarterly VAT, corporation tax, duty and stock build, spread over months instead of landing in one week — without drawing down the working capital the business is actually trading on.
- Typical size
- £25k – £2m
- Typical term
- 3–12 months
- Best for
- VAT, tax, duty, stock peaks
Figures describe what is typical across the UK market rather than an offer from us. Pricing, gearing and terms are set by the funder and depend on the business, the security and the transaction.
What does the business turn over?
This runs in your browser. Nothing is sent, nothing is stored and no credit file is touched — it simply sets up your application so you aren't starting from a blank page.
Four cases, four completely different structures
Anonymised, and illustrative of what the panel places week to week. They're here to show how differently the same requirement gets structured depending on the business behind it.
Refinanced away from an incumbent bank that wanted the whole structure reworked. Placed with a single lead funder on a seven-year term, with headroom for the fifth site.
Released capital held in existing plant and funded a new line in the same facility. Security sat on the assets rather than the trading business, which kept the covenant package light.
Auction purchase with 28 days to complete. Two funders responded inside 48 hours; the cheaper needed a valuation the agent turned round in three days.
Paying contractors weekly against 60-day client terms. A confidential receivables facility turned every approved timesheet into same-day cash and scaled with the desk.
Illustrative of the deal types placed through our panel. Amounts, structures and timings vary with every business, and nothing here is a promise of what you'd be offered.
The unglamorous part, done properly
Raising finance means handing over accounts, statements and plans. This is precisely how that information is handled once it reaches us.
Your documents live in a vault, not an inbox
Bank statements and accounts are uploaded straight into encrypted storage. Nothing important is left sitting in an email chain, and every file is tied to your case rather than floating around.
Nobody buys your enquiry
We are not a lead generator. Your details are shared only with funders considering your application, and never sold on to anyone else — not to insurers, not to other brokers, not to anyone.
Every step is logged
Who looked at your file, when, and what they said. It means nothing gets lost between people, and if you ask us what's happening, the answer is on the screen in front of us.
One person, one thread
You're not passed around a call centre. Messages, documents and decisions all sit in one place, with the same named contact from first conversation to drawdown.
Deadlines sit with the system, not your memory
If a funder goes quiet or a document has been outstanding too long, the case escalates internally. Transactions slip when nobody is watching the clock; here something always is.
Nothing is submitted behind your back
You'll know which funders are being approached before it happens. No scattergun applications, and no surprise searches appearing on your file.
Business lending in this country stopped being a high-street game some time ago. Most of the money now sits with funders outside the big four — an advantage if someone knows where to place the case, and a problem if you're knocking on one door at a time.
- £68bn
- Lent to UK SMEs by banks in 2025
- British Business Bank / UK Finance
- 60%
- Of that came from challenger and specialist lenders
- not the big four
- £11.6bn
- SME asset finance written in H1 2025 alone
- British Business Bank tracker
- 45%
- Of smaller UK businesses used external finance
- and most only asked one lender
Everything people ask before they apply
If your question isn't here, ask it. Better answered now than halfway through an application.
Rather speak to someone?
Ask us anything — including whether borrowing is the right move at all. Five minutes with someone who places this every day is worth an afternoon of reading.
Or email ops@connex.is — we answer within one working day.
Funding read through your sector
The same desk and the same application, written for the questions your sector actually gets asked.
Tell us what the money is for.
We'll place it properly.
Four minutes to submit, no credit search to start the conversation, and a named contact on it from the first read to drawdown. At the very least you'll know what your business can raise, and on what terms.
Connexis Group is not a lender. We are a commercial finance desk that presents your application to funders and lenders on our panel. All lending decisions, rates and terms are set by the funder, and any agreement you enter into is with them rather than with us.
You don't pay us. Where a funder proceeds with your case they pay us a commission. If a fee were ever payable by you on a particular case, it would be disclosed in writing, with the amount, before you committed to anything.
Your details are never sold on. Information you give us is used to place your application and nothing else. Documents are held in encrypted storage. Talking to us involves no credit search; a funder may search your file when they formally assess your case, and you'll be told before that happens.
Commercial finance to limited companies is generally not regulated by the Financial Conduct Authority. Where a case involves a regulated product we work only with appropriately authorised parties, and the protections that apply to your facility will be explained before you sign. Borrowing carries risk: if you don't keep up payments, assets used as security may be at risk.