Decisions in hours, not weeks 020 3769 9457 contact@tazofinance.co.uk
Tazo Finance
Tazo Finance

UK business funding

Funding that moves at the speed your business does

Business loans, invoice finance and asset funding arranged across a panel of more than forty lenders. Get an indicative figure in seconds and a real decision in hours.

  • Decision in 4 hours
  • No fee to enquire
  • One named contact

What would it cost?

Indicative
£

%

Use 9.9% if you are not sure.

Your estimate

£0.00per month
Monthly interest£0.00
Total interest£0.00
Total cost£0.00
Get a real quote

A guide only, not a loan offer. Your actual rate depends on the lender and your circumstances.

Arranged across a panel of more than forty UK lenders

  • Challenger banks
  • Asset funders
  • Invoice financiers
  • Specialist lenders
  • Bridging desks

Funding shaped around how you actually trade

Every product below has published criteria. If none of them fit, we will tell you that plainly rather than sending you on a tour of lenders who will decline.

TERM LOAN

Business loans

Unsecured term funding for established businesses. Fixed monthly repayments and no charge over property.

£10k – £500k

Rates from1.2% /mo
Max term60 months
Decision in4 hours
Read the detail
CASHFLOW

Invoice finance

Release the cash tied up in unpaid invoices, usually within 24 hours of raising them.

£25k – £2m

Rates from0.6% /mo
Decision in2 days
Read the detail
EQUIPMENT

Asset finance

Spread the cost of vehicles, plant and machinery over the working life of the asset instead of paying up front.

£5k – £1m

Rates from1.9% /mo
Max term72 months
Decision in1 day
Read the detail
PROPERTY

Bridging loans

Short-term secured funding to complete a purchase before longer-term finance is in place.

£50k – £5m

Rates from0.55% /mo
Max term24 months
Decision in48 hours
Read the detail
PROPERTY

Commercial mortgages

Long-term secured lending on premises you trade from or premises you let out.

£100k – £10m

Rates from0.42% /mo
Max term300 months
Decision in2 weeks
Read the detail
CARD TAKINGS

Merchant cash advance

Repay as a fixed percentage of your daily card takings rather than a fixed monthly amount.

£5k – £300k

Rates from1.1% /mo
Max term18 months
Decision in24 hours
Read the detail

Why businesses use a broker at all

Going direct to your own bank looks simpler. Here is what it actually costs you.

One conversation, forty lenders

We know which lenders say yes to your sector and your numbers, so you are not applying blind to six of them at once.

Your credit file stays clean

We use soft searches to shortlist. Only the lender you choose runs a hard search, so you avoid a cluster of footprints.

We read the small print

Headline rate is rarely the whole cost. We compare arrangement fees, early settlement terms and security on a like-for-like basis.

A named person, not a queue

The person who takes your first call is the person who calls you back eighteen months later when you need to restructure.

How it works

Four working days on a straightforward case. Longer where property or valuations are involved.

Tell us the position

A short call. What the money is for, roughly what the numbers look like, and when you need it by.

We shape the deal

We take it to the lenders most likely to fund it, using soft searches so nothing lands on your credit file.

Decision and drawdown

You get terms in writing, we walk you through what they actually mean, and the funds land in your account.

The numbers behind the promise

£50mArranged for UK businesses since 2026
4 hrsMedian time to a first decision
92%Clients who return for a second facility
20+Lenders on panel

Deals we have done

Real facilities, real timelines, used with the client's permission.

Food & drink £180,000

A Manchester bakery opening a second site

Two years of accounts and a signed lease, but three high street banks had already declined on sector risk alone.

Read the case
Transport £640,000

A haulage firm replacing eleven tractor units

Refinanced assets they already owned to fund the replacement fleet without touching the overdraft.

Read the case
Recruitment £250,000 facility

A recruitment agency stuck on 60-day terms

Paying contractors weekly while clients paid monthly. Growth was making the gap worse, not better.

Read the case

What clients say

★★★★★
They told me on the first call that one of the options I was asking about was wrong for us. That is not what I expected from a broker, and it is exactly why we stayed.
Priya RamanDirector, Meridian Logistics
★★★★★
Funds landed nine days after the first phone call. Our bank had been sitting on the same application for six weeks.
James OkaforOwner, Flour & Ash Bakery
★★★★★
The part that mattered was afterwards. When we needed to restructure eighteen months in, the same person picked up the phone.
Sarah WhitlockFinance Director, Coleridge Recruitment

Questions, answered

If yours is not here, ask us directly and we will answer it straight.

On a straightforward unsecured loan, most clients have a decision within four hours and funds within three to five working days. Secured and property-backed deals take longer because of valuation and legal work, so allow two to six weeks.
Not to enquire, and not if the deal does not complete. When a lender funds your deal, the lender pays us a commission. On a small number of specialist cases there is a broker fee, and where that applies you will see the exact figure in writing before you commit to anything.
No. We use soft searches to work out which lenders are likely to say yes. A hard search only happens once you agree to proceed with a specific lender, so you avoid the footprint of applying to six places at once.
On most unsecured business lending, yes. A director's guarantee is standard and it is not the same as putting your home up as security. We will explain exactly what you are signing, and what would have to go wrong for it to be called on, before you sign it.
Sometimes. Adverse credit narrows the panel and raises the rate, but recent trading performance often matters more than a CCJ from four years ago. Tell us the full picture up front and we will tell you honestly whether it is workable.
We are a credit broker, not a lender. Some of what we arrange is regulated by the Financial Conduct Authority and some is not, because most business lending falls outside the regulated perimeter. We will tell you which applies to your case.

Latest insights

All insights
20 Jul 2026 1 min read

What lenders actually look at in your accounts

Everyone worries about the profit line. In practice, underwriters spend most of their time somewhere else entirely.

Read more
11 Jul 2026 1 min read

The headline rate is not the cost of the loan

Two facilities at the same advertised rate can differ by thousands. Here is where the difference hides.

Read more
29 Jun 2026 1 min read

When invoice finance beats a term loan

If your funding gap grows every time you win work, a loan treats the symptom and invoice finance treats the cause.

Read more

Our Team

Adeel

Adeel

Founder

Rohan B

Rohan B

Operations Director

Meet the whole team

Find out what you could borrow

One short conversation, no fee and no obligation. You get a straight answer either way.