Grow Without Giving Away Equity
Tech companies often choose between slow bootstrapping and expensive equity raises. There is a third option: non-dilutive finance that lets you scale on your own terms.
£150bn
UK tech sector value
85,000+
Tech startups in the UK
5 to 10 days
R&D advance funding speed
5 to 15% of revenue
RBF typical repayment
Technology businesses frequently have strong recurring revenue, pending R&D tax credit claims, and clear growth trajectories, but traditional banks often struggle to underwrite software companies because they lack physical assets. We work with lenders who understand SaaS metrics, MRR, and the tech growth model.
Common Challenges in Technology
Hiring ahead of revenue
You need engineers and salespeople before the revenue comes in.
Long sales cycles
Enterprise contracts can take 6 to 12 months to close while costs are immediate.
R&D cash flow gap
HMRC R&D tax credits are valuable but can take 6 to 12 months to receive.
Infrastructure costs
Cloud hosting, licences, and data centre costs scale with growth.
Finance Solutions for Technology
We work with specialist lenders to find the right product for your business.
R&D Tax Credit Advance
Get cash now against your pending HMRC R&D tax credit claim.
Learn moreRevenue-Based Finance
Funding repaid as a percentage of monthly revenue. Scales with your business.
Learn moreUnsecured Business Loans
Fixed-term working capital for hiring, marketing, or product development.
Learn moreRevolving Credit
Flexible credit line for operational costs and growth investment.
Learn moreGet a Free Technology Finance Quote
Tell us what you need and we will match you with the best lenders for your business. No obligation, no credit check.
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Frequently Asked Questions
What is an R&D tax credit advance?
If your company has submitted or is preparing an R&D tax credit claim with HMRC, you can receive up to 80% of the expected value upfront. The advance is repaid when HMRC processes your claim. This turns a 6 to 12 month wait into immediate cash.
Is revenue-based finance suitable for pre-revenue startups?
Not typically. Revenue-based finance requires existing monthly revenue to repay against. Pre-revenue startups may be better suited to innovation grants, angel investment, or venture debt.
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Ready to Get Funded?
Whether you need working capital, equipment finance, or property funding, we can connect you with the right lender in days, not weeks.