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Complete our enquiry form to get options in 60 seconds!
- 1 application, access all your lending options, rates from 4.5%.
- No credit searches or broker fees.
- Tailored options from high street banks and alternative lenders.
We are the Leading Commercial Finance Specialists
Prospera Finance connects UK SMEs with high street banks and alternative lenders to get them the best possible rates with no credit searches or broker fees.
Full access to UK lenders
Protecting your credit
Fast decisions
Industry specialists
Industry compliant
Aftercare support
Why use a business finance broker like Prospera Finance?
We work with 95% of lenders, including niche and alternative ones not easily accessible. Our job is to arrange the best available options for clients.
We handle the research, paperwork, and negotiation, saving businesses time and hassle.
We assess a business’s specific needs and match them with the most suitable finance options.
We understand lender criteria and can present applications in the most favourable light. This also avoids declines and unnecessary credit searches, which can ruin your credit score.
We can help secure more competitive rates and terms, potentially saving the business money.
Unlike direct lenders, we work on behalf of the client, not the lender, offering independent options in the client's best interest.
Prospera Finance frequently asked questions
Access fast, tailored business finance through our trusted UK lending network. We match you with top lenders, handle all paperwork, and charge no broker fees or credit checks. We’re paid by lenders only after funding, saving you time and protecting your credit score.
We offer invoice finance, asset finance, bridging loans, and business loans, all tailored specifically for UK SMEs.
Typically, funding is arranged within 24–72 hours, depending on the facility type and the required paperwork.
No, we do not perform any credit searches.
Eligibility varies case by case. After a free consultation, we can provide an estimate of how much funding you’re likely to obtain. Our panel includes lenders with diverse risk appetites, enabling us to support businesses in a wide range of financial positions.
We do not charge a broker fee. Our service is free for you, we only receive a portion of the lender's arrangement fee when your application is successfully funded. For special funding cases, a broker fee might be agreed with full transparency before proceeding. Often times, the cost of going through us is the same as going directly to a lender.