SHEFFIELD, England — February 2, 2026
Executive Summary
FundingSearch.com has launched in the UK commercial finance market with a platform designed to give commercial lenders and brokers direct access to loan applications supported by live, verified financial data. The platform integrates directly with Xero, Sage, and Companies House to provide real-time profit and loss statements, balance sheets, and cash flow data alongside verified business information. According to the company, this approach removes reliance on self-reported figures and outdated management accounts that commonly slow or derail underwriting decisions. FundingSearch.com positions itself as an intelligent matching platform for UK commercial finance, connecting SME borrowers with lenders whose stated criteria align with verified financial data. The company states that lender registration is now open, with priority onboarding available for early adopters across multiple commercial finance categories.
Announcement Overview
FundingSearch.com announced its official launch, introducing a commercial finance platform designed to connect lenders and brokers with pre-qualified SME borrowers using live financial data pulled directly from accounting software. The platform integrates with widely used accounting and business data sources, including Xero, Sage, and Companies House, to deliver verified financial information at the point of application.
According to the company, the platform enables lenders and brokers to view real-time financial statements, including profit and loss, balance sheet, and cash flow data, alongside verified company details. This structure is intended to replace processes that depend on self-reported borrower information, static spreadsheets, or management accounts that may be several months out of date.
FundingSearch.com describes its technology as an intelligent matching system that aligns borrower applications with lender criteria at the outset of the process. The company stated that this reduces friction for brokers, improves efficiency for lenders, and shortens decision timelines for SME borrowers seeking commercial finance.
The launch marks the company’s entry into the UK fintech landscape as a provider focused on data-driven matching and verification within commercial lending workflows.
Key Announcement Details
- Announcement type: Platform launch
- Company: FundingSearch.com
- Industry focus: UK commercial finance
- Core functionality: Intelligent borrower-lender matching using verified financial data
- Data integrations: Xero, Sage, Companies House
- Financial data provided: Real-time P&L, balance sheet, and cash flow
- Target users: Commercial lenders, finance brokers, SME borrowers
- Geographic focus: United Kingdom
- Headquarters: Sheffield, England
- Lender onboarding status: Open with priority onboarding for early adopters
Industry Context: SME Lending and Data Verification
According to FundingSearch.com, the UK SME lending market has long faced structural inefficiencies related to data quality, application fit, and underwriting workload. The company stated that a significant proportion of SME loan applications fail to progress due to misalignment between borrower profiles and lender criteria, incomplete documentation, or reliance on outdated financial information.
The company cited internal analysis indicating that more than half of SME loan applications do not complete successfully, resulting in wasted time for brokers and duplicated underwriting effort for lenders. These inefficiencies, according to the company, contribute to longer decision timelines and reduced conversion rates across the commercial finance ecosystem.
FundingSearch.com positions its platform as a response to these challenges by embedding verified, real-time financial data directly into the application and matching process. By integrating directly with accounting platforms used by SMEs, the company states that it is able to surface accurate financial information at the point of application, reducing the need for repeated data requests and manual verification.
The platform also incorporates verified company data from Companies House, enabling lenders and brokers to view statutory business information alongside live financial performance metrics within a single workflow.
Platform Functionality and Data Integration
FundingSearch.com stated that its platform is designed to operate as an end-to-end matching and data verification layer between SME borrowers, commercial finance brokers, and lenders. At the core of the platform is direct integration with accounting software providers Xero and Sage, which allows borrowers to authorise secure access to their financial data.
Once authorized, the platform retrieves live financial information, including profit and loss statements, balance sheets, and cash flow data. According to the company, this information is refreshed in real time, providing lenders with a current view of a business’s financial position rather than relying on historical snapshots.
The platform also connects with Companies House to retrieve verified business information, including company registration details and statutory records. FundingSearch.com stated that combining live accounting data with verified company information creates a more complete and reliable borrower profile at the point of application.
The company indicated that this integrated data approach is intended to support faster underwriting decisions and reduce the need for manual follow-ups commonly associated with commercial lending applications.
Intelligent Matching and Application Qualification
FundingSearch.com describes its matching technology as a core differentiator of the platform. According to the company, the system evaluates borrower data against lender criteria to identify suitable funding options before an application is submitted to a lender.
The company stated that this approach helps ensure applications meet stated lender requirements from the outset, reducing the likelihood of declined applications due to misalignment. For brokers, the platform is intended to reduce the time spent researching lender appetite and manually packaging deals.
For lenders, FundingSearch.com stated that the platform delivers pre-qualified applications supported by verified data, allowing underwriting teams to focus on assessment rather than initial data validation.
The platform supports matching across a range of commercial finance products, enabling lenders and brokers to engage with opportunities that align with their specific risk profiles and product offerings.
Founder Perspective and Company Statement
“I spent decades as a broker watching good deals fall apart because the right lender wasn’t found in time,” said Phillip Evans, Founder and CEO of FundingSearch.com. “Placing complex deals can take weeks of manual research. FundingSearch fixes that. Brokers get instant matches, lenders get pre-qualified applications, and borrowers get decisions in days, not weeks.”
The company stated that the platform was developed based on firsthand experience of the inefficiencies present in traditional commercial finance workflows, particularly in relation to data availability and lender discovery.
Alignment With Open Finance Developments
FundingSearch.com stated that the launch aligns with the UK Financial Conduct Authority’s Open Finance vision by bringing verified, real-time financial data into commercial lending workflows. According to the company, the platform applies Open Finance principles to SME lending by enabling secure, borrower-consented data sharing between accounting platforms and lenders.
The company indicated that this approach supports more transparent and data-driven lending decisions, while maintaining borrower control over data access. FundingSearch.com stated that the integration of Open Finance-style data flows into commercial lending has historically lagged consumer finance, and the platform is designed to address that gap.
According to the company, lenders and brokers using the platform gain access to applications supported by live financial data rather than static documents, which may help streamline decision processes and reduce operational friction.
Coverage Across Commercial Finance Products
FundingSearch.com stated that the platform supports a broad range of commercial finance products, enabling lenders and brokers to engage with opportunities across multiple financing categories. According to the company, supported finance types include asset finance, invoice finance, working capital facilities, trade finance, merchant cash advance products, and property finance.
The company indicated that the platform’s matching technology takes into account the specific requirements associated with different finance products, allowing borrowers to be directed toward appropriate funding options based on their financial profiles and funding needs.
FundingSearch.com stated that this breadth of coverage is intended to support both specialist lenders and diversified finance providers operating within the UK market.
Lender and Broker Participation
According to FundingSearch.com, lender registration is now open on the platform, with priority onboarding available for early adopters. The company stated that participating lenders gain access to a pipeline of pre-qualified applications supported by verified financial data.
For brokers, the platform is positioned as a tool to reduce manual workload and improve placement efficiency by providing instant visibility into lender suitability based on borrower data.
The company stated that early participants will have the opportunity to shape platform usage patterns and benefit from early access to qualified deal flow.
SME Borrower Experience
FundingSearch.com stated that SME borrowers using the platform are able to connect their accounting software and submit applications supported by live financial data, reducing the need to compile and upload multiple documents.
According to the company, this approach is intended to shorten application timelines and reduce uncertainty for borrowers by improving alignment between funding requests and lender criteria from the outset.
The company stated that borrowers benefit from faster decision timelines, with the potential to receive funding decisions in days rather than weeks, depending on lender processes.
Company Background
FundingSearch.com is an intelligent matching platform for UK commercial finance. The company was founded in 2025 and is headquartered in Sheffield, England.
According to the company, FundingSearch.com was created to address inefficiencies in commercial lending by combining verified financial data integration with intelligent matching technology. The platform connects SME borrowers, commercial finance brokers, and lenders through a single, data-driven workflow.
FundingSearch.com stated that it covers the full commercial finance spectrum and is designed to support faster, more accurate lending decisions across the UK market.
Media Contact
Phillip Evans
Founder & CEO
FundingSearch.com
phill@fundingsearch.com
07970 500425
Source Attribution
Source: Company announcement
