Catalyst Business Finance Limited is a UK-based commercial finance broker established in 2015. It specialises in arranging a wide range of business funding solutions tailored for small and medium-sized enterprises (SMEs). The firm operates through a broad panel of specialist lenders to offer fast, technology-enabled funding access. Serving diverse business needs from working capital to property finance, it suits growing businesses that prioritise speed and variety. This brokerage model differs from direct lending and is detailed in our business loans overview and alternative finance guide.
Key Features of Catalyst Business Finance
The firm's platform offers practical benefits with an emphasis on digitised processes and dedicated support throughout the funding lifecycle.
- Access to a panel of over 100 specialist lenders covering multiple finance types
- Exposure to rapid underwriting decisions, often within hours for smaller facilities
- Soft-search credit checks that preserve your credit score during initial eligibility assessments, see eligibility requirements
- Support from dedicated account managers offering tailored funding advice, detailed in finance blog
- Option to manage multiple facilities through a single point of contact, simplifying finance management
Funding Eligibility
You may qualify for Catalyst Business Finance funding if your business has a trading history in the range of 6 to 12 months, depending on product specifics. Annual turnover requirements typically start at £50,000. The platform excludes sectors such as arms trade, gambling, and adult entertainment. Businesses across England, Wales, Scotland, and Northern Ireland are eligible. For detailed qualification criteria, consult our business loan qualification guide, and review sector restrictions in the finance dictionary.
Loan Options
Catalyst Business Finance facilitates access to multiple loan types suitable for varied business needs, from working capital to asset acquisition and property finance.
- Unsecured Business Loan: £5,000 – £500,000, terms 3 months to 5 years, representative APR 6% to 24%. Suitable for businesses with at least 6 months trading and £50,000+ turnover.
- Asset Finance (Hire Purchase & Lease): £10,000 – £2,000,000, terms 12 months to 7 years, interest 5% to 15% flat rate equivalent. Requires 12 months trading and £100,000+ turnover, with assets as security.
- Invoice Finance (Factoring & Invoice Discounting): £25,000 – £5,000,000, revolving facility aligned to invoice cycles, discount margin 2% to 4% above base rate. Requires £250,000 annual turnover and 6+ months trading.
- Merchant Cash Advance: £5,000 – £500,000, terms 3 to 18 months with repayments tied to card takings, effective factor rate 9% to 25%. Suitable for businesses processing at least £5,000 in monthly card turnover.
- Bridging Loan & Short-Term Property Finance: £50,000 – £5,000,000, 3 to 24 months, monthly interest 0.55% to 1.5%. No trading requirements; property security is mandatory.
- Revolving Credit Facility (Business Line of Credit): £10,000 – £300,000, renewable terms 6 to 24 months, representative APR 8% to 20%. Suitable for businesses with £75,000 turnover and 9+ months trading.
- Trade Finance / Import Finance: £25,000 – £2,000,000 per trade cycle of 30 to 180 days, interest 1% to 2.5% per 30-day cycle. Requires £250,000 turnover and 12 months trading.
How to Apply
The application process is mainly digital and streamlined to deliver fast decisions and funding. Preparation of relevant documentation eases progression through credit assessments.
- Submit an online application via Catalyst's digital portal with telephone support, see online form guidance
- Provide latest six months bank statements, filed or management accounts, director ID and proof of address, and VAT returns or debtor/supplier lists if relevant
- Underwriting decisions can arrive within 1 to 4 hours for unsecured loans; larger or secured loans may take up to 72 hours
- Upon formal offer acceptance, funding typically follows same day to within 72 hours; bridging loans may require 5 to 10 days
Funding Agent's view on Catalyst Business Finance
Catalyst Business Finance acts as a versatile broker with a large lender panel and fast decisioning, suitable for growing SMEs requiring a variety of funding options with quick access. Their digital process and account management are practical strengths. However, those prioritising the lowest borrowing costs or a direct lending relationship might consider alternatives. To explore further, use our funding comparison tools, check eligibility criteria, or read detailed lender reviews.
