Tell us what you need
One short check, about two minutes. No business plan, no forecasts.
Tell us what you need.
See your terms in 2 minutes.
Compare indicative business funding terms from lenders across the market.
Whole of marketNo credit search to start
Know your options ↗ Step 1 of 10
What do you need?
Pick one to see your matches.
What is the money for?
How long do your customers take to pay?
What are you buying?
What is the bridge for?
What are you building?
What is the tax for?
What would you use it for?
How much do you take by card each month?
How much do you need?
£
Please enter an amount of £1,000 or more.
What is your average monthly turnover?
Your sales each month, before costs. A rough figure is fine.
How is your credit score?
Your best guess is fine. Nothing here runs a credit search.
Do you own your home?
Some lenders only work with homeowners.
What is your business called?
Search Companies House by name or company number.
How soon do you need the funding?
Send my matched offers
Confirm where we should contact your business.
Matched lenders
We text you a code to check your number, then your matches show. Kyma Business Finance is a trading style of Smart Funding Solutions Limited, a whole of market broker. Your details go to a broker there, who will call you about your options. Nobody else gets them.
Enter the code we texted you
We sent a 6 digit code to your mobile.
You've got options
A broker has funding options ready for you
A broker will call within 2 hoursA short chat to confirm a few details and go through your options.
We'll call from this number01244 267694
Calls are 9am to 5pm, Monday to Friday. Outside those hours we call first thing the next working day.
- Indicative rates
- You could borrow
- Typical terms
- Lenders matched
Your exact terms depend on your business and each lender's criteria.
Application receivedWe'll use these details to confirm suitable funding options.In review
Funding review summaryWhat may support the application and what lenders may still review.Indicative
Positive signals
Still to check
Rates are indicative, from each lender's terms on our panel, and are not a lending decision or an offer. Your actual rate depends on the lender's checks and your business.
Indicative terms. No credit search to start.
Lenders on the panel include
How it works
Three steps. That is it.
From the first question to comparing your options, this is the whole thing.
See your terms
Indicative terms from lenders that fit how your business actually trades, side by side.
You compare and choose
Clear options, your decision, your pace. A broker takes your choice to the lender.
Funding options
Find the right fit for your business.
Different goals need different funding. Compare the options and start the check.
Business loans
Growth and cash flowA lump sum with set repayments you can plan around, for growth, stock, hires or a refit.
See my matches ↗Invoice finance
Unpaid invoicesRelease the cash sitting in unpaid invoices instead of waiting 30, 60 or 90 days to be paid.
See my matches ↗Asset finance
Vehicles and equipmentSpread the cost of vehicles, machinery or equipment, with the asset itself usually the security.
See my matches ↗Bridging loans
Property, short termShort term property finance for purchases, auctions, refinance, chain breaks and light refurbishment.
See my matches ↗Development finance
Builds and conversionsFunding for ground up developments, conversions, heavy refurbishments and property projects.
See my matches ↗Merchant cash advance
Card takingsRepayments that flex with your card takings. Quieter month, smaller repayment.
See my matches ↗HMRC loan
VAT, tax and arrearsSpread a VAT, corporation tax or self assessment bill, or clear overdue tax, and keep HMRC on side.
See my matches ↗Alternative overdraft
Draw it when you need itA revolving facility you dip into when cash is tight and pay back when it comes in. Costs depend on the lender and how much you draw.
See my matches ↗Why Kyma
The bank way and the Kyma way.
Same goal, a very different experience.
The bank way
- Weeks of waitingThree to six weeks for a decision, if you get one.
- Heavy paperworkBusiness plans and forecasts before anyone says hello.
- One lender's criteriaIf you do not fit their box, that is the end of it.
The Kyma way
- One short checkAbout two minutes, from your phone.
- Whole of marketLenders across the market, not one bank's rules.
- Judged on how you tradeYour business today, not just its history.
Behind Kyma
Who is Kyma?
Kyma was built on a simple frustration, watching good businesses wait weeks for a bank to say no. Finding business finance should be quick, clear and human.
Behind the page is a small UK team of brokers who line up lenders from across the market, in plain English, with no pressure, while you stay in control at every step.
- Whole of market
- Clear options, no obligation
- Plain English, always
- A real person if you need one
Kyma Business Finance is a credit broker, not a lender.
Ask Kyma
What is best for seasonal sales?
Usually a revolving facility or a merchant cash advance, so repayments follow your takings. The check shows what fits.
Do you arrange unsecured loans?
Yes. Unsecured business loans are the most common thing we arrange, alongside asset, invoice and property finance.
Can I finance equipment?
Yes. Asset finance spreads the cost of vehicles, machinery and equipment, usually with the asset as the security.
Is there a hard credit check?
Not to see your options. A lender only runs its checks, with your permission, if you choose to go ahead.
Clients
What business owners say.
Real Google reviews from clients of Smart Funding Solutions, the broker behind Kyma.
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
Business ownerGoogle review
Funded in 24 hours“We had already approached other finance companies who weren’t able to help. From our first conversation to everything being completed took around 7 days, and they kept us informed throughout. If you’ve struggled to get help elsewhere, I would absolutely recommend giving them a call.”
Family-run businessGoogle review
Machine finance“Spoke with a broker, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
Business ownerGoogle review
Business loanGood to know
Questions, answered.
Will this affect my credit score?
Seeing your options does not involve a credit search. A lender only runs its own checks, with your permission, if you decide to go ahead with an application.
How quickly can I get a decision?
It depends on the lender and the funding you need. Your options show the indicative terms, and the broker looking after your case explains the next steps and timings.
What do I need to start?
Just the basics about your business and what the funding is for. If you go ahead, a lender may ask for recent accounts or bank statements.
Is this a loan from you?
No. Kyma Business Finance is a credit broker, not a lender. We source options from lenders across the whole market for your business.
What does it cost?
Any fees depend on the lender and are explained before you go ahead, and there is no obligation to proceed.
Do you work with newer businesses?
Often, yes. What is available depends on the type of funding, how long you have traded and the lender’s criteria.
Tell us what you need.
See your terms in 2 minutes.
Know your options in about two minutes.
Know your options ↗No credit search to startWhole of market