Starting a business requires capital, but traditional banks often make it difficult for new businesses to secure funding. At Funding Cube UK, we offer Business Startup Loans of up to £50,000, provided on behalf of our trusted funding and card terminal partners, to help you launch your business with confidence.
Our startup loan program is uniquely designed around new card terminal activation and usage, making it easier for startups to qualify without strong credit history or long trading records.
Our process is simple, transparent, and built for new businesses:
Once you apply and are approved for the program, we arrange a new card terminal from our partnered providers through Funding Cube UK. This allows your business to start accepting card payments immediately.
You will be required to use the provided card terminal regularly for a minimum period of three (3) weeks. This helps establish your transaction activity and demonstrates active trading.
After the three-week trading period, your card transaction performance is reviewed by our funding partners.
Once approved, your loan amount (up to £50,000) is transferred directly into your business bank account.
This model allows new businesses to qualify based on real trading data rather than just paperwork.
✔ Up to £50,000 Funding Available
Access meaningful capital to cover real business needs.
✔ No Good Credit Score Required
Approval is not solely based on credit history, making it suitable for new entrepreneurs.
✔ No High Monthly Sales Needed
You can qualify without long trading history or large revenue records.
✔ No Personal Guarantor Required
You are not required to provide a guarantor or secure the loan with personal assets.
✔ Minimal Documentation
Simple application with no heavy financial paperwork.
✔ Fast & Simple Process
Card terminal setup is quick, and funding follows after trading activity is reviewed.
✔ Funding Linked with Payment Solutions
Get both your payment system and business funding from one trusted source.
✔ Flexible Use of Funds
Use the loan for stock, rent, marketing, equipment, staff, or business expansion.
Our Business Startup Loan is ideal for:
Restaurants, cafés, and takeaways
Retail shops and convenience stores
Salons and beauty businesses
Mobile traders and service providers
New and small businesses across the UK
If your business accepts card payments, this funding model can help you get started and grow.
When it comes to business funding, many startups and small businesses struggle to get approved by banks. At Funding Cube UK, we offer a faster, simpler, and more flexible alternative — built around your real business transactions.
❌ Strong credit score required
❌ Long business history needed
❌ Personal guarantor or assets often required
❌ Heavy paperwork and financial statements
❌ Long approval times (weeks or months)
❌ Fixed monthly repayments regardless of sales
❌ No support with card terminals or payment systems
Banks mainly rely on past financial records and personal guarantees, which makes it very difficult for new or small businesses to qualify.
✔ No good credit score required
✔ No long trading history needed
✔ No personal guarantor required
✔ Card terminal acts as a performance-based guarantor
✔ Minimal documents and simple application
✔ Faster approval process
✔ Funding based on real card transactions
✔ Card terminal setup included
✔ Designed specifically for startups and SMEs
Instead of asking for personal guarantees, our model uses active card terminal usage and transaction performance as the basis for approval. This means your business activity supports your funding — not your personal assets.
With Funding Cube UK, the card terminal and transaction data act as a business performance guarantee. By using the terminal regularly for the required period, your business demonstrates active trading, which supports loan approval and funding amount.
This system:
Reduces risk for funding partners
Removes the need for personal guarantors
Makes funding accessible to startups
Your business performance becomes your strongest asset.
Unlike many lenders who charge very high interest and hidden fees, Funding Cube UK keeps pricing simple and competitive.
We charge only £1,100 for every £10,000 funded
That means:
£10,000 loan → £1,100 cost
£20,000 loan → £2,200 cost
£50,000 loan → £5,500 cost
✔ No hidden charges
✔ No surprise fees
✔ Clear and upfront costs
This makes our funding significantly cheaper than most traditional and alternative business lenders, especially for startups.
Funding Cube UK provides startup loans, merchant cash advance, card terminal services, and finance management solutions on behalf of trusted card machine and funding partners. We help startups and growing businesses access fast, flexible funding based on their real transactions — not just credit scores.
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