Cubefunder Limited is a UK-based non-bank lender established in 2015. It provides short-term, unsecured business loans to small and medium-sized limited companies across the UK. Cubefunder operates an online, fixed-cost lending model regulated by the Financial Conduct Authority (FRN 718210) for consumer credit. This lender may suit established SMEs seeking working capital with flexible repayment options, particularly those with irregular cash flow or adverse credit histories. It is not designed for start-ups or businesses requiring long-term or larger-scale funding. For a broader perspective, see our Cubefunder Reviews and an overview of business loans.
Key Features of Cubefunder
Cubefunder offers several practical features focused on speed, transparency, and flexibility in unsecured lending for UK limited companies. Its fully online model combines Open Banking and dedicated relationship management to cater to the fast-moving needs of small businesses.
- Online application with decisions typically within 24 hours and funding released within 48 hours, supporting quick business finance.
- Fixed-cost pricing without hidden fees or early repayment charges, avoiding variable interest risk; see details on interest rates.
- Flexible repayment schedules daily or weekly, allowing adjustments if trading conditions change.
- Unsecured loans requiring no physical asset security but a mandatory personal guarantee from directors.
- Open Banking integration streamlines affordability checks but access is compulsory; learn more about Open Banking.
Funding Eligibility
You may qualify for Cubefunder loans if your business is a UK-registered limited company with at least three months of active trading and approximately £50,000 in annual turnover. Sole traders and partnerships are excluded. The lender requires a business bank account connected via Open Banking for affordability assessment, and personal guarantees from directors are mandatory. For more on qualifying criteria and tools, see our eligibility guide, business eligibility, and business loan calculators.
Loan Options
Cubefunder primarily offers one unsecured loan product tailored to short-term working capital needs. Below is an outline of the available loan option, including amounts, terms, and cost framework.
- Cubefunder Flexible Business Loan: Loan amounts from £5,000 to £100,000 with terms between 3 and 12 months. Loans have a fixed-cost model without traditional interest rates disclosed publicly, and no arrangement or early repayment fees. The fixed fee is agreed upfront, which avoids compounding interest but can mean a relatively higher APR compared to secured loans.
How to Apply
The Cubefunder application process is fully online and designed for fast turnaround. Loan decisions typically come within 24 hours after submitting required documents, with funds available as soon as two days after approval. The process requires business bank statements, company accounts, identification for directors, and a signed personal guarantee.
- Submit an online application form with telephone support and connect your business bank account via Open Banking. See our application form tool.
- Provide electronic documents such as last 3-6 months of bank statements, latest accounts, photo ID, and proof of address for directors; review our document checklist.
- Wait for a credit decision typically within 24 hours and prepare to sign necessary agreements, including the personal guarantee.
Funding Agent's view on Cubefunder
Cubefunder may be a suitable option for small UK limited companies with an established trading history needing short-term, unsecured working capital under £100,000. It offers speed, flexible repayments, and consideration of poor credit histories. However, it is less appropriate for start-ups, businesses requiring longer terms, or those unwilling to provide personal guarantees. To explore alternatives or check your eligibility, visit our short-term business loan providers, loan calculators, and qualification guide.
