BUSINESS FUNDING
BORROW
FROM ME
Business funding from £50k to £5M. I’ve been a borrower and a lender — I know what it takes from both sides. Fast decisions, flexible terms, no bollocks.
THE DIFFERENCE
WHY BORROW FROM ME?
Traditional lenders don’t understand entrepreneurs. I do — because I am one. I’ve built, lost, and rebuilt businesses. I know what good businesses need to grow, and I know the difference between a business that needs capital and a business that needs to be put down.
My lending decisions are fast, fair, and based on real business understanding — not just spreadsheets and credit scores. When you borrow from me, you get more than money. You get a lender who actually gives a shit about your success.
I’ve been on both sides of the table. I’ve begged banks for money and been told no. I’ve watched good businesses die because they couldn’t access capital fast enough. That’s why I do this differently.
WHAT I LOOK FOR
FUNDING TYPES
WHAT I FUND
Growth Capital
Scale your team, expand your market, or accelerate what's already working. If you're growing, I want to fuel it.
Acquisitions
Buying a competitor, a complementary business, or a strategic asset. I've done dozens of these myself.
Working Capital
Bridge the gap between invoices and cash flow. Keep your business moving without selling equity.
Hiring & Expansion
Need to hire a sales team, open a new office, or enter a new market? Capital to make it happen.
Equipment & Inventory
Physical assets that generate revenue. Machinery, stock, vehicles — whatever your business needs to operate.
Refinancing
Stuck with expensive debt or bad terms? Let's restructure and get you breathing room.
I fund growth, not desperation. If your business is generating revenue and you need capital to scale, I want to hear from you.
CAPITAL THAT MOVES AS FAST AS YOU DO
COMPARISON
BANKS vs ME
PROCESS
HOW IT WORKS
APPLY
Fill in the enquiry form with your business details and funding requirements. Takes 5 minutes. No commitment.
I read every application personally. Not some junior analyst — me.
REVIEW
I personally review every application within 48 hours. If it's a fit, we schedule a call.
I'm looking for traction, a clear plan, and a founder who knows their numbers.
DECISION
Fast, transparent decisions. You'll know where you stand — no stringing along for weeks.
If it's a no, I'll tell you why. If it's a yes, we move fast.
FUND
Agreed terms, signed docs, money in your account. Simple as that.
No hidden fees. No surprises. Just capital to grow your business.
NO COMMITTEES. NO DELAYS.
ONE DECISION MAKER. ME.
RESULTS
WHAT BORROWERS SAY
Matt funded our expansion when every bank said no. 18 months later, we've tripled our revenue. He didn't just lend us money — he believed in us.
James Richardson
CEO, TechScale UK
The speed was incredible. From first call to funds in account in under 2 weeks. Try getting that from a high street bank.
Lisa Morgan
Founder, Fresh & Co
What sets Matt apart is he actually understands business. He didn't just look at our P&L — he understood our model, our market, and our potential.
Marcus Webb
MD, Webb Construction
I'd been turned down by 4 banks. Matt said yes in 48 hours. That capital allowed us to take on a contract that doubled our business.
Rachel Torres
CEO, Torres Logistics
I’ve been the guy begging the bank for money. I know how it feels. That’s why I do this differently — fast, fair, and with respect.
— MATT HAYCOX
FAQ
COMMON QUESTIONS
How much can I borrow?
Between £50k and £5M depending on your business, its revenue, and what you need the capital for. Every deal is structured individually — there's no one-size-fits-all.
What interest rates do you charge?
Rates depend on the risk profile, security, and term length. I'm competitive with alternative lenders and significantly faster than banks. We'll discuss specifics once I understand your business.
How quickly can I get funded?
From first contact to funds in your account can be as fast as 2 weeks. I've done it in 5 days when the deal is straightforward. Compare that to 3-6 months with a bank.
What security do you require?
It depends on the deal. I'm flexible — personal guarantees, asset charges, debentures, or a combination. I don't automatically require your house like most banks do.
Do you fund startups?
Generally no. I fund businesses with revenue and traction. If you're pre-revenue, the Capital Catalyst course will teach you how to raise from investors who specialise in early-stage.
What sectors do you lend to?
Most sectors. I've funded property, hospitality, tech, e-commerce, manufacturing, healthcare, and more. If your business makes money and needs capital to make more, I'm interested.
Can I borrow if I have bad credit?
Possibly. I look at the business, not just the credit score. If your business is strong and the plan makes sense, we can work around personal credit issues.
What happens if I can't repay?
I'm not in the business of destroying businesses. If you hit trouble, talk to me. I'd rather restructure than enforce. But don't take the piss — I expect honesty and communication.
GET STARTED
APPLY FOR FUNDING
DON’T WAIT
STOP BEGGING
BANKS FOR MONEY
Every day you wait is a day your competitor gets funded. I’ve got the capital, the experience, and the speed. The only question is — are you ready?
Apply Now
