About British Business Funding
Helping UK businesses find the right funding, without having to navigate the market alone
Who are British Business Funding?
British Business Funding is a UK commercial finance broker and business funding specialist helping businesses understand, compare and access finance from a wide range of lenders.
Founded by John Carter and Josh O’Neill, British Business Funding was built around a simple idea: finding business finance should be clearer, faster and more personal.
Instead of leaving business owners to approach multiple lenders individually, our team takes the time to understand what a business needs, identifies suitable funding options from across our lender network and supports the business throughout the process.
From business loans and invoice finance to asset finance, revolving credit facilities, trade finance, purchase order finance and commercial property funding, our focus is on helping UK businesses find finance that fits their requirements.
Accredited and registered. British Business Funding is a member of the National Association of Commercial Finance Brokers (NACFB) and the Financial Intermediary and Broker Association (FIBA). Registered in England, company number 12752630.
Meet the British Business Funding Team
John Carter
Founder & Managing Director
John Carter is the Founder and Managing Director of British Business Funding and leads the company’s commercial finance operations.
Working directly with both businesses and lenders, John is responsible for understanding clients’ funding requirements, identifying suitable finance structures and helping businesses navigate the commercial lending market.
His work spans a broad range of funding requirements, including business loans, working capital, invoice finance, asset finance and Growth Guarantee Scheme-backed facilities.
John’s approach is centred around understanding how a business operates before considering the finance available to it. Rather than treating funding as a simple rate comparison, he looks at the purpose of the finance, the business’s financial position, lender criteria and the structure of the proposed facility.
He also manages many of British Business Funding’s relationships across the UK commercial lending market.
Josh O’Neill
Founder & Marketing Director
Josh O’Neill is the Founder and Marketing Director of British Business Funding and is responsible for the company’s marketing, digital strategy, partnerships and customer acquisition.
His focus is on making commercial finance easier for UK businesses to understand and access, from the way funding products are explained online through to the technology and processes used to connect businesses with appropriate funding options.
Josh oversees British Business Funding’s digital platforms, educational content, marketing strategy and the development of tools and resources designed to help businesses make better-informed funding decisions.
He also works on the company’s strategic partnerships and the continued development of British Business Funding as a trusted source of information on commercial finance in the UK.
As a Director of Brit Business Funding Ltd, Josh works alongside John on the wider direction and growth of the business.
Sean Thorogood
Funding Manager
Sean Thorogood is a Funding Manager at British Business Funding and works directly with businesses seeking finance for growth, investment and working capital.
Sean takes the time to understand each client’s requirements before exploring suitable options from across the commercial lending market. He supports businesses throughout the funding process, helping to communicate requirements to lenders, explain available options and keep applications moving.
His role requires an understanding of both the financial position of the business and the lending criteria that different finance providers apply.
For clients, that means having a dedicated point of contact who can help them navigate the process from their initial funding enquiry through to completion.
James Harris
Funding Manager
James Harris is a Funding Manager at British Business Funding, working with UK businesses to help them access finance for growth, investment, cash flow and other commercial requirements.
James works closely with business owners and directors to understand what they are trying to achieve before exploring relevant funding routes and lender options.
From discussing the initial requirement to helping businesses present their funding application and understand the options available, James provides a clear point of contact throughout the process.
His focus is on making commercial funding straightforward, keeping clients informed and helping businesses move from an initial funding requirement towards a suitable solution.
Why Businesses Work With British Business Funding
Access to a Wider Funding Market
The most suitable lender for a business is not always its existing bank.
Different lenders specialise in different sectors, business profiles, funding purposes and deal structures. Working with a commercial finance broker gives businesses the opportunity to explore options from a broader part of the market without approaching every lender individually.
A Human Approach to Business Finance
Commercial finance cannot always be reduced to an automated eligibility score.
We take the time to understand why the funding is needed, how the business operates and what the finance needs to achieve. Our Funding Managers remain available throughout the process to answer questions and keep clients informed.
Experience Across Different Types of Funding
The right solution may not always be a traditional business loan.
Depending on the circumstances, invoice finance, asset finance, revolving credit, trade finance or another specialist facility may provide a more appropriate structure.
Our role is to consider the wider funding requirement rather than force every business into the same type of finance.
Relationships Across the Lending Market
Commercial lending criteria can vary significantly between providers.
By maintaining relationships with banks, challenger banks and specialist alternative lenders, our team can better understand where different types of funding requirements may fit within the market.
Clear, Straightforward Communication
Business owners have businesses to run.
We aim to make the funding process easier to understand, explain the available options clearly and keep communication straightforward from the first conversation onwards.
Fast, affordable loans – apply now!
Explore tailored finance solutions designed for British businesses. Whether you’re looking to seize new opportunities, invest in equipment, hire staff, or optimise cash flow, our specialist funding can help you achieve your goals.
At British Business Funding, we make business loans simple and fast. With a quick 5-minute application process, decisions in as little as an hour and funds available within 48 hours of approval, we’re here to keep your business moving forward without unnecessary delays.
Commonly Asked Questions About British Business Funding
What is British Business Funding?
British Business Funding is a UK commercial finance broker and business funding specialist. We help businesses compare and access funding from a network of banks, challenger banks and specialist finance providers.
Is British Business Funding a lender?
No. British Business Funding is a commercial finance broker and introducer, not a direct lender. We work with businesses to understand their requirements and help identify suitable funding options from third-party finance providers.
Who founded British Business Funding?
British Business Funding was founded by John Carter and Josh O’Neill. John is the company’s Managing Director and leads its commercial finance operations, while Josh is Marketing Director and leads its marketing, digital strategy and business development activities.
What types of business finance can British Business Funding help with?
British Business Funding can help businesses explore a wide range of commercial finance products, including business loans, invoice finance, asset finance, revolving credit facilities, business credit cards, trade finance, purchase order finance, merchant cash advances, commercial bridging finance and other specialist funding solutions.
Is British Business Funding a member of any industry associations?
Yes. Brit Business Funding Ltd is a member of both the National Association of Commercial Finance Brokers (NACFB) and the Financial Intermediary & Broker Association (FIBA).
How do I speak to British Business Funding?
You can complete an online funding enquiry or book a call with the British Business Funding team. A Funding Manager can discuss your requirements, explain the finance options that may be available and help you understand the next steps.