"Stable completed a full review of our foreign exchange exposure and our interest yield. A partner who saves us money and makes us money."
Russel Rowe, Managing Director, Jadlam Toys & Models
AI Powered Lending to supercharge your business
We utilise an AI powered credit brokerage engine to place deals quicker than traditional methods- getting the money you need- faster
Powered by :
Trade Finance
Import Today, Pay When Goods Arrive
Free up working capital, strengthen supplier relationships, and seize opportunities with flexible trade finance solutions tailored to your business needs.
Invoice Finance
Unlock working capital from your invoices
Finance your client's payments to get critical payments quickly. Whole book or individual invoices.
Invoice Factoring
Get paid sooner
Get paid faster and take the hassle out of collecting from clients. Whole book or individual invoices.
Business Loan
Fuel growth with fast, flexible funding
Capital to grow your business, variety of time periods and uses, secured or unsecured
Merchant Cash Advance
Turn card sales into instant cashflow
Get your card terminal payments quicker. Vary % of coverage and cost
Re-finance/Restructure
Reshape your debt. Regain control.
Re-finance your existing debt with a new provider. Restructure existing debt into new deals and products
Multiple Lenders, for the best rates.
Signing up to multiple lenders is cumbersome and slow. Stable put to work years of experience to get offers from multiple bank and non bank institutions in one go.
Strategy & Advice
We will also look to suggest other products that could solve your cash flow needs that you may not have considered.
Smart Lending- Fast, no nonsense
Tailored for the pace and pressure of UK SMEs.
How it works
We utilise a cutting edge AI brokerage platform provided by our partners- Spark Finance. We are able to approach multiple lenders on your behalf, targeting those who have specialism or excess capital to deploy in order to get multiple options, without you having to do all the work.
Consultation
Initial review of working capital gaps and lending options. Lending strategy discussed.
Onboarding
Client information collected via our portal and secure document upload for latest financials, bank statements and any other information required to go to lenders
Lender offers & selection
Lender offers received, presented to client for decision
Finance with without friction.
Tangible benefits to your
processes and cost
We do the work
Get decisions quickly
Explore multiple options
Why we do it
Payments can be messy, bloated and expensive. We wanted to create a better way to move money.
Tom Kiddle
Co-founder
"Partnering with Spark allows us to give our clients access to a great panel of (over 240) lenders, getting businesses the cash they need quickly so they can get on with growing"
Steve Paul
Co-founder
"It is astonishing how many businesses we speak to believe they only have one option, their bank, we help broaden those horizons without all the extra work"
Frequently Asked Questions about Lending
Find answers to common questions about our lending solutions
Latest in lending finance news
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Get the cash you need, quickly
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Introducers & Partnerships - Strategic Partnerships That Work
Stable partners with trusted advisers — from accountants to wealth managers — offering a value-add for your clients, and a new income stream for your business.
Let's Talk
We partner with:
- Equestrian
- Accountants
- Wealth Advisorsy
- Sports
- Real estate
- Equestrian
- Accountants
- Wealth Advisorsy
- Sports
- Real estate
- Equestrian
- Accountants
- Wealth Advisorsy
- Sports
- Real estate
Add value for clients- Additional Revenue streams
- Valued and trusted delivery partner
How our customers borrow
"Stable found us a great debt solution and were able to take us through the process seamlessly to get the funding we wanted to grow."
Karl, Owner, Access Financial
"Stable were able to produce an IM and debt strategy that got me in front of lenders quickly with credit backed offers."
Stuart Freshwater, Managing Director, Safety Signs Ltd
"Working capital offers in days, not weeks"
Dave Garnsworthy, Founder, Vanworx
"The Stable Benchmarker, took me three minutes to enter our business's most recent transaction data and realised we could be saving over £3,900 on each transaction."
Jay, CFO, OceanLED
"Since moving our international payments to Stable, the whole process has been simpler and the pricing more transparent than our previous banking setup. "
Aris, Financial Controller, Pitch
