Sedulo Funding Solutions Limited is the commercial finance branch of the Sedulo Group, operating since 2018 as a whole-of-market finance broker for UK SMEs. It is authorised and regulated by the FCA as a credit broker and works with a wide panel of mainstream and specialist lenders. This broker arranges various facilities including unsecured, secured, property, and working capital finance, suitable for businesses across diverse sectors that seek tailored funding solutions. For further guidance on unsecured lending and business loans, see unsecured business loans and business loans.
Key features of Sedulo Funding Solutions
Sedulo Funding Solutions offers a broad set of practical features that can benefit SMEs seeking finance, including personalised advisory and access to diverse lenders.
- Whole-of-market approach giving access to a wide range of lenders including alternative lenders and mainstream banks
- Dedicated funding specialists providing tailored advice on financing options and product suitability
- Capability to arrange both secured and unsecured finance from £10,000 up to £50m+, including asset finance and bridging loans
Funding eligibility
Eligibility varies by product but generally requires a minimum trading period and turnover. You may qualify if your business has UK registration and a trading history ranging from 6 to 24 months, depending on the finance type. Clients commonly require a satisfactory credit record and may need to provide personal or director guarantees.
- Typical minimum trading period is 6-24 months; start-ups considered for some asset or property-backed finance (qualification guide)
- Turnover requirements range from £100,000 for unsecured loans to £250,000+ for invoice and trade finance (working capital loans)
- Personal guarantees are often required; understand more about personal guarantee requirements and guarantor roles
Loan options available
Sedulo Funding Solutions can arrange multiple loan types suited for different business needs, from smaller unsecured loans to complex property development finance.
- Unsecured Business Term Loan: £10,000 to £500,000 over 6 months to 5 years, with interest rates from 6.9% to 29.9% APR. Personal guarantees generally required. More details at unsecured business loans.
- Asset Finance (Hire Purchase & Leasing): £10,000 to £5,000,000, terms from 12 months up to 7 years. Asset acts as security; interest rates 4.5% to 12.5% flat rate. See asset finance for further information.
- Invoice Finance: £50,000 to £10,000,000 borrowing base, with rolling 12-month facilities. Costs combine Base Rate plus margin plus service fees. Suitable for unlocking invoice value; overview at invoice financing.
- Bridging Loan: Property-backed loans from £100,000 to £25,000,000, over 3 to 24 months at monthly interest rates between 0.55% and 1.5%. See bridging loans for details.
- Property Development Finance: Loans from £500,000 to £50,000,000, typically for 6 to 36 months, priced at 7.5% to 11% plus fees. More at development finance.
- Trade Finance / Import Finance Facility: £50,000 to £5,000,000 per transaction, terms 30 to 180 days, rates from 1.2% to 3% per 30-day cycle. Suitable for purchasing goods; see also trade finance.
How to apply
Applications start with an online enquiry followed by direct consultations. Expect to provide comprehensive documents for underwriting, with decision and funding times varying by product.
- Submit an online enquiry form and schedule a telephone or video consultation through Sedulo’s portal (application form)
- Provide necessary documentation including latest filed accounts, bank statements, and relevant asset or property details (required documents guide)
- Receive indicative decisions within 24-72 hours for many products; formal offers and funding timing depend on lender process (approval timeline)
Funding Agent’s view on Sedulo Funding Solutions
Sedulo Funding Solutions serves businesses looking for a one-stop brokerage with access to diverse finance products across sectors. Its whole-of-market approach and expert guidance can aid in structuring complex funding solutions. However, the reliance on third-party lenders means that terms and costs vary, and transparency on pricing may be limited. Organisations preferring direct lender relationships might consider comparing business loans or using a loan calculator to evaluate options tailored for their circumstances.
