TFG Capital Reviews

TFG Capital offers fast, flexible bridging loans from £50,000 to £5,000,000, with 24/7 support, and accepts diverse property types and credit histories.

Here are the Trustpilot Reviews from TFG Capital:

Here are the Reviews from TFG Capital:

Having worked with TFG for over 5 years they have managed to support numerous of Sedulo’s clients with their short-term finance needs, making the process as simple and efficient as possible.

Leyton Jeffs

Huge thanks to James, Luke and Elliott – in a world of complicated slow underwriting TFG stand out, their ability to make quick decisions and their sensible underwriting approach make TFG the top guys for quick and clever bridge.

Toby Johncox

We enjoy a very close relationship with TFG. We have worked with them for some time and have direct access to the decision makers, which allows them to be very commercial in what is a complex marketplace.

Matt Hawcroft

Having worked with TFG Capital for many years their ability to meet deadlines within agreed timeframes is always so nice to see, in an industry that seems to be slowing processes TFG are fast and reliable.

Callum Taylor

TFG team handled our case with speed and professionalism. Highly recommended!

Jessica Morgan

Excellent service, fast decisions, and great communication from start to finish.

Oliver Smith

Explore TFG Capital's Finance Solutions:

Unsecured Business Term Loan

£25,000 – £2,000,000

Merchant Cash Advance

£10,000 – £500,000 (up to 150% of monthly card turnover)

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Explore TFG Capital's Finance Solutions:

Loan Type:

Unsecured Business Term Loan

Loan Range:

£25,000 – £2,000,000

Loan Terms:

3 months to 5 years

Minimum Turnover and Trading Age:

Minimum 12 months trading and £250,000 annual turnover

Interest Rate / Factor Rate:

0.60% – 2.00% per month (fixed interest)

Fees:

2% – 4% arrangement fee; no early repayment charge

Loan Type:

Merchant Cash Advance

Loan Range:

£10,000 – £500,000 (up to 150% of monthly card turnover)

Loan Terms:

Automatic daily card-sales deductions until advance plus fixed fee repaid (average 6–12 months)

Minimum Turnover and Trading Age:

6 months trading and £7,500 monthly card sales

Interest Rate / Factor Rate:

Factor rate 1.12 – 1.35 (equivalent 12% – 35% total cost)

Fees:

No separate fees; fixed advance fee agreed up-front

Loan Type:

Invoice Finance (Selective & Whole-Book)

Loan Range:

£50,000 – £5,000,000 (up to 90% of invoice value)

Loan Terms:

Rolling facility with 30-120-day invoice cycles

Minimum Turnover and Trading Age:

£500,000 annual turnover and 6+ months trading

Interest Rate / Factor Rate:

Discount rate 2.75% – 4.50% over Bank of England base; service fee 0.25% – 2.00% of invoice value

Fees:

Arrangement fee from £500; audit and trust-account fees where applicable

Loan Type:

Asset Finance (Hire Purchase & Finance Lease)

Loan Range:

£25,000 – £2,000,000

Loan Terms:

1 – 5 years

Minimum Turnover and Trading Age:

12 months trading; no fixed turnover minimum but affordability assessment applies

Interest Rate / Factor Rate:

3.50% – 9.50% flat per annum (profile dependent)

Fees:

Documentation fee £150 – £350; option-to-purchase fee £10 – £100 (HP only)

Loan Type:

Bridging Finance

Loan Range:

£26,000 – £10,000,000

Loan Terms:

3 – 24 months (interest rolled or serviced)

Minimum Turnover and Trading Age:

Property-backed so trading history not essential

Interest Rate / Factor Rate:

0.49% – 1.15% per month

Fees:

Arrangement fee 1.50% – 2.00%; exit fee 0% – 1.00%; valuation & legal costs

Loan Type:

Development Finance

Loan Range:

£250,000 – £25,000,000

Loan Terms:

6 – 36 months (staged drawdowns)

Minimum Turnover and Trading Age:

Track record of one completed project or experienced contractor team

Interest Rate / Factor Rate:

6.50% – 10.00% per annum (interest rolled)

Fees:

Arrangement 1% – 2%; exit 1% (sometimes waived); monitoring surveyor and legal fees apply

More About TFG Capital

TFG Capital Limited is a UK-based finance provider and broker, authorised by the Financial Conduct Authority. Established in 2014, this lender focuses on offering multi-product business funding to SMEs. Its primary audience includes companies seeking flexible terms, fast access to capital, and a choice between secured and unsecured financing. TFG Capital operates entirely online, combining its own lending with access to external partner funders. Its main appeal lies in its ability to arrange rapid, bespoke solutions, especially for firms that may not qualify with mainstream banks.

Key features of TFG Capital Limited

TFG Capital combines technology and specialist underwriting to speed up business lending for UK companies. The lender offers a digital-first platform and personalised support for each case.

Fully digital application portal with e-signature capability
Same-day indicative term sheets after basic business data is submitted
Dedicated relationship manager available throughout the facility life-cycle
Real-time data integration with leading accounting software
Optional credit-control and ledger management for invoice finance clients

Who may qualify for funding?

Most products require at least 6-12 months of trading as a UK-registered company. You may qualify if your business meets minimum turnover or card sales thresholds. Funding is only available for firms and properties based in England, Wales, or mainland Scotland. Sectors like gambling and adult entertainment are excluded. Personal guarantees are common for unsecured borrowing. Start-ups with strong asset backing or experienced property professionals may be considered for property-secured finance.

What loan options are available?

TFG Capital provides a wide range of business finance products, from short-term working capital advances to longer-term asset and property-backed funding. The typical products and terms include:

Merchant Cash Advance: £10,000 to £500,000. Repay as a percentage of daily card sales, usually over 6-12 months. Factor rates between 1.12 and 1.35. No separate fees. Suitable for card-taking retailers seeking flexible repayments.
Unsecured Business Term Loan: £25,000 to £2,000,000 over 3 months to 5 years. Interest rates from 0.60% to 2.00% per month, with 2% to 4% arrangement fee. No early repayment charge. Requires minimum 12 months trading and £250,000 turnover. Personal guarantees are mandatory.
Asset Finance (Hire Purchase & Finance Lease): £25,000 – £2,000,000 over 1-5 years. Rates from 3.50% – 9.50% flat per annum. Usual deposit 10-20%. The asset acts as primary security.
Invoice Finance: £50,000 – £5,000,000 (up to 90% of invoice value). Rolling facility with 30-120 day invoice cycles. Discount rate 2.75-4.50% over Bank of England base rate, plus service fee.
Bridging Finance: £26,000 – £10,000,000, terms from 3-24 months. Monthly interest 0.49-1.15%, with arrangement and possible exit fees. Must be property-backed.
Development Finance: £250,000 – £25,000,000 with terms of 6-36 months. Annual interest 6.50%-10.00%. Facility is usually staged by development milestones, backed by land and project assets.

How to apply for TFG Capital funding

The application process is almost entirely online. You can expect a quick indicative decision, followed by a formal offer upon full document review. Most unsecured products provide funding within 24-48 hours post-approval. Bridging and development loans may complete in 5-15 working days, subject to legal checks and valuations. You will need to supply recent business bank statements, filed accounts, director ID, and details of assets or invoices to be funded.

Submit an online application through TFG Capital's digital portal
Provide six months' recent bank statements, filed accounts, and director identification
Your application is reviewed for an initial decision, usually within a few hours
Formalise the agreement and complete digital or physical signing as required

Funding Agent’s view

TFG Capital occupies a niche for SMEs who value speed, flexible underwriting, and choice across secured and unsecured lending. Its structure suits businesses needing fast approval and those with complex cases unsupported by traditional banks. The near-universal use of personal guarantees and higher headline rates are important factors to weigh. For comparison, you may want to review independent resources such as tools, guides, and eligibility checkers to assess your business funding options before proceeding.