James Laden

Abdus-Samad Charles

Co-founder and CEO

James Laden is the Co-founder and CEO of Funding Agent. He has 8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey. He writes about business lending, alternative finance, and what lenders look for when assessing applications.

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Credentials

Work Background

eBay and Funding Bay

Finance, Sales and Marketing

Education

BCom Business with Economics

Northumbria University

Experience

8 years+

Role

Co-Founder

Areas of expertise

Complex business finance solutions

Government growth schemes

Short-term lending

Unsecured business loans

Bridging loans

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Funding Agent blog cover graphic: Affordability Checks Lenders Run on Large Unsecured Business Loans

Affordability Checks Lenders Run on Large Unsecured Business Loans

Learn how lenders assess affordability for £200k unsecured business loans: DSCR requirements, debt stacking risks, director checks & why applications fail.

Co-founder and CEO

Funding Agent blog cover graphic: Minimum Turnover Lenders Want to See for a Large Unsecured Loan

Minimum Turnover Lenders Want to See for a Large Unsecured Loan

UK lenders typically require £250k–£1m+ annual turnover for unsecured loans of £100k–£200k. See turnover thresholds by lender type and how to calculate what you can borrow.

Co-founder and CEO

Funding Agent blog cover graphic: High Street Banks vs Alternative Lenders for Large Unsecured Borrowing

High Street Banks vs Alternative Lenders for Large Unsecured Borrowing

Compare high street banks vs alternative lenders for £200k unsecured loans. See APR rates, decision times, eligibility criteria and when each option saves you money.

Co-founder and CEO

Funding Agent blog cover graphic: When Fixed Fee Funding Beats Interest Based Loans for E-commerce Sellers

When Fixed Fee Funding Beats Interest Based Loans for E-commerce Sellers

Compare fixed-fee vs interest-based loans for e-commerce sellers. Learn when fixed fees beat APR, with worked examples and a framework to choose the right product for seasonal revenue.

Co-founder and CEO

Funding Agent blog cover graphic: Funding Options for Management Consultancies Winning Their First Enterprise Client

Funding Options for Management Consultancies Winning Their First Enterprise Client

Compare invoice finance, working capital loans & overdrafts to fund your first enterprise client. Avoid the cash flow trap with the right structure.

Co-founder and CEO

Funding Agent blog cover graphic: Funding Associate Consultant Day Rates While Waiting on Client Payment

Funding Associate Consultant Day Rates While Waiting on Client Payment

Bridge consulting cash flow gaps using invoice finance to fund associate day rates while waiting 60-90 day client payments. Advance 85-90% within 48 hours.

Co-founder and CEO