Commercial Lending — UK
Most lenders see a form. We see a business. LENDX provides commercial finance to UK SMEs that the high street ignores — with rates from 5.5% and decisions in days, not months.
What we fund
Fixed-rate loans for expansion, equipment, or working capital. Predictable payments, no surprises.
Fund new or used equipment with the equipment as collateral. Preserve cash, spread the cost.
Purchase, refinance, or renovate commercial property. Up to 90% LTV with flexible structures.
Flexible revolving credit for cash flow gaps, seasonal slowdowns, or growth opportunities.
Government-backed Growth Guarantee Scheme loans. Reduced collateral requirements, supported by the British Business Bank.
The problem
Traditional lenders use algorithms to sort businesses into 'fundable' and 'not fundable' before anyone picks up the phone. The result: viable businesses getting declined because they don't fit a template designed for someone else.
LENDX was built for the businesses that banks leave behind. Our team has sat where you sit — managing cash flow, weighing equipment purchases, watching opportunities pass because the paperwork took too long. We get it.
Cash flow, business history, sector context — not just a credit score.
No chatbots. No 0800 call centres. A dedicated specialist who knows your deal.
No hidden fees, no early repayment penalties, no last-minute surprises.
How it works
Fill in our short form — tell us what you're funding, how much you need, and a bit about your business. Takes about 5 minutes.
A specialist reviews your application and comes back with options tailored to your business — not a generic product pushed because it's what you applied for.
Compare the options we've found for you. We'll talk you through any questions — no pressure, no deadlines unless you're ready.
Once you accept, we move fast. Most deals fund within days of acceptance. Your business doesn't wait for finance that takes months.
Opportunities move fast. LENDX moves with them. Whether it's a van for your next contract, equipment for a new client, or the property deal you've been waiting for — we fund businesses that banks overlook.
We're here when you're ready.