Fast & flexible

funding for your

business.

Indicative funding from £100,000 to £10 million, with terms of up to 12 months. Funding amounts and terms depend on your circumstances, the quality of your receivables and the available security.

Working capital built around your business

Keep your business moving while you wait for payments. We provide tailored working capital against tax credits, grants and qualifying commercial receivables, supported by corporate security. Funding amounts and terms depend on your circumstances, the quality of your receivables and the available security.

Talk to us Explore costs

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More than funding: experience and relationships

Since 2018, FactorTech has supported innovative SMEs with rapid access to tailored funding solutions. We build long-term relationships with businesses that create valuable intellectual property and good jobs across the country. Regional impact is a measure of our success. Alongside funding, our industry expertise and networks help you navigate the challenges of growing a business, wherever you are.

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Backed by pension funds, family offices and institutional investors

40 years financing SMEs

30+

30+ years of expertise in Games

Funding built around real businesses

Different businesses have different sources of income. These anonymised examples show how we have structured funding around the receivables available to each business.

Fintech: successive tax credit claims

Working capital against one year's R&D claim, followed by a further £230,000 against the next year's claim before the first facility had been repaid.

Read the fintech example

Games: several sources of income

A combined structure using an R&D tax credit, an innovation grant and work-for-hire revenues to support a studio developing its first proprietary title.

Read the games studio example

Robotics: funding that evolves

A combined facility with loans against commercial revenues and further loans against R&D tax credits as claims were submitted.

Read the robotics example

These examples describe individual transactions. Funding availability, security and terms are assessed separately for each business.

Start with a conversation

Tell us what you are building, what funding you need and when you expect to receive payments.

Discuss your needs

Share your business's circumstances, funding requirements and expected receivables with our team.

Assess the structure

We assess your business, receivables and available security to consider a suitable funding structure.

Agree the terms

If funding is approved, we agree the facility, costs and repayment terms with you before you proceed.

Talk to us Read our funding FAQs

Explore your funding costs

Explore an indicative funding illustration using your loan amount, term and monthly interest rate. Simple interest is payable at term end, with expenses paid upfront. Actual terms are agreed following individual assessment.

Amount you wish to borrow (£)

Illustrative range: £100,000–£10 million. Each facility is assessed individually.

Loan term: 6 months Illustrative monthly interest rate (%)

Rates start from 2% per month. Adjust the rate to explore costs; this does not select the rate you will be offered.

Principal + interest due at term end

£112,000.00

Loan amount: £100,000.00
Simple interest at term end: £12,000.00
Expenses payable upfront: £3,500.00
Arrangement / exit fees: £0.00
Total borrowing cost Interest + upfront expenses: £15,500.00

Upfront expenses are separate from the repayment due at term end.

Discuss your funding needs

Indicative illustration only, not a quote or offer. Actual funding, rates, expenses and terms are subject to individual assessment. Assumes the full loan amount remains outstanding throughout the selected term, with principal and simple interest repaid at term end and £3,500 expenses paid upfront. Interest does not compound. This illustration does not calculate early-repayment savings or minimum-interest charges.

Let’s connect!

Share your details and we will contact you

Apply Now Chat to us on Whatsapp

Connect with us to discuss your specific circumstance and funding requirements. All you have to do is take 1 minute to fill out our short contact form.

Check out our resource library

See Blog

Dave Ranyard speaking at a games industry event

Advisor spotlight: Dave Ranyard — building relationships before funding is needed

FactorTech’s Games Advisor discusses cashflow, relationships, game development and what the next five years could bring.

Read Article

Illustration connecting Westminster with innovative technology businesses

FactorTech welcomes measures to improve finance for innovative SMEs

Our perspective on the SME finance measures announced on 13 July 2026 and why flexible funding matters for IP-rich businesses across the UK.

Read Article

Illustration of an industrial robotic arm working on an electronics prototype

Combining revenue and tax credit finance for a robotics scaleup

How a combined facility accommodated commercial revenues and R&D tax credit claims as a robotics business grew.

Read Article