Start Up Loans
Trading under three years? Government-backed loans of £500–£25,000 at fixed 6% — designed for exactly this stage, no trading history needed.
Funding · Powered by Swoop
Vans, tools, stock, cashflow — funding for sole traders too.
Our funding portal — powered by Swoop — matches your business against 1,000+ providers of loans, grants and finance. One profile, the whole market, no obligation.
How it works
From 'we need money' to real offers
- 1Build one profile
Ten minutes on the portal — who you are, what you need the money for, roughly how much.
- 2See your matches
Swoop's engine checks 1,000+ funding providers and shows what your business is actually likely to get — with no hard credit search.
- 3Sense-check with us
Before you accept anything, we look at the true cost against your numbers. Cheap headline rates with expensive strings get caught here.
- 4Get funded
Apply to the option you choose, with your paperwork and figures already in order — which is exactly what lenders want to see.
What's on the market
Funding that works at sole-trader scale
Van & equipment finance
Spread the cost of the van, the tools or the kit against the asset itself — usually easier to get than an unsecured loan.
Working capital
Short-term facilities that smooth the gap between doing the work and getting paid for it.
Invoice finance
If commercial customers keep you waiting 30–60 days, release most of each invoice the day you raise it.
Grants
Regional and sector schemes come and go monthly — the portal tracks what's actually open near you.
Growth lending
Ready to take on staff or premises? Term loans matched to a plan we'll help you put numbers behind.
Funding questions
Asked all the time
What is the Buzz funding portal?
It's our white-label version of Swoop, one of the UK's leading business-funding platforms. You build one profile and it matches you against 1,000+ lenders, grant schemes and equity providers.
Does searching affect my credit score?
No. Exploring your matches is a soft search — a full credit check only happens if you choose to proceed with a specific lender's application.
What kind of funding can it find?
Start Up Loans for newer businesses, asset finance for vans and equipment, working capital and cashflow loans, invoice finance for trades with slow-paying customers, and grants where your region or sector has them.
Does it cost anything to use?
No — searching and seeing your matches is free with no obligation. If you take funding, the provider's normal terms apply, and we'll help you sanity-check them first.
Will you help me choose?
Yes. That's the point of having an accountant in the loop — we'll look at the real cost of each option against your cashflow before you sign anything.
