Fundsmart AI offers UK small‑and‑medium‑sized businesses a fast, credit‑free way to discover and secure funding. Users complete a two‑minute soft‑search form, receive a personalized funding report, and are matched with the most suitable lender from a network of over 100 FCA‑regulated providers, with a dedicated specialist guiding the process through to approval.
Funding
Funding not disclosed
Founders
Product
Problem
UK small and medium-sized enterprises often struggle to identify suitable financing options because traditional lenders require hard credit checks, lengthy applications, and opaque eligibility criteria, leading to uncertainty and potential credit score damage.
Solution
Fundsmart AI offers a fast, private funding discovery platform that uses a soft credit search to assess a business’s eligibility without impacting its credit score. The service generates a detailed funding report highlighting the company’s strengths and weaknesses, then matches it to the most appropriate lender from a network of over 100 FCA‑regulated providers. Lenders compete for the business, delivering multiple offers and enabling the SME to select the best rate and terms. Throughout the process, a dedicated specialist guides the user from application to funding, ensuring a streamlined, end‑to‑end experience.
Target Audience
Fundsmart AI serves UK SMEs and startups seeking quick, credit‑safe financing, including e‑commerce retailers, tech firms, and other growth‑oriented businesses.
Features
- Soft credit search that checks public records without affecting the business’s credit rating
- Automated eligibility assessment and personalized funding report within minutes
- Matching algorithm that selects the most likely approving lender, not the highest‑paying partner
- Competitive bidding process where over 100 FCA‑regulated lenders submit offers
- Open banking integration for secure, rapid data sharing and verification
- Dedicated specialist concierge providing hands‑on support from application to disbursement
- Transparent presentation of rates, terms, and lender options before any commitment