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Business Funding

Commercial funding for eligible UK businesses

Merchant Cash Advance services and selected commercial loan introductions, operated by Aarubi Finance Ltd.

Aarubi Finance Ltd is not authorised or regulated by the Financial Conduct Authority. We provide Merchant Cash Advance services with YouLend and 365 Finance and may introduce eligible businesses to selected unregulated commercial finance providers. We do not provide consumer credit, regulated mortgages or personal financial advice. Eligibility and terms apply.

1
Review trading profile

Card turnover, annual turnover and commercial purpose.

2
Assess funding fit

MCA services or commercial loan introductions, where suitable.

3
Discuss next steps

No consumer credit, regulated mortgage or advice service.

Funding Options

Business-only funding routes

Clear, cautious support for commercial funding enquiries. Eligibility and terms depend on your business circumstances.

MCA

Merchant Cash Advance

A commercial advance where repayment is linked to an agreed percentage of future card takings. It may suit businesses with regular card sales and variable cash flow.

  • Repayments move with eligible card sales.
  • Card turnover is an important eligibility input.
  • Total cost and affordability must be reviewed before proceeding.
CF

Commercial loan introductions

For business purposes outside an MCA, Aarubi Finance Ltd can review whether a commercial loan introduction may be relevant.

  • For eligible UK business applicants only.
  • No consumer credit or personal loan enquiries.
  • No regulated mortgage or personal advice service.

Who May Be Eligible

Built for trading businesses

The initial check is designed for UK businesses looking for commercial funding for a business purpose. It does not replace a full affordability or suitability review.

Limited companies, LLPs, sole traders and partnerships
Trading history and turnover that can be explained clearly
Monthly card turnover where MCA is being considered
A commercial funding purpose such as stock, working capital or equipment
Willingness to review total repayment cost before proceeding
No personal loan, consumer credit or regulated mortgage need

How MCA Works

Repayment follows card sales

With a Merchant Cash Advance, the repayment amount is linked to future card takings rather than a fixed monthly instalment. That flexibility can be useful, but the total cost and trading impact still need careful review.

1

You share basic trading and card turnover figures.

2

Aarubi Finance Ltd reviews whether MCA may fit your profile.

3

If suitable, indicative next steps and information requests are discussed.

4

You review costs, terms and affordability before any commitment.

Our Role

Aarubi Finance Ltd handles funding enquiries

Business funding enquiries submitted through this page are for Aarubi Finance Ltd. Other non-finance website services are provided by Aarubi Ltd.

Aarubi Finance Ltd works with YouLend and 365 Finance for Merchant Cash Advance enquiries. For other commercial loan enquiries, Aarubi Finance Ltd may introduce eligible businesses to finance providers. Provider names and any commission or introducer fee details will be confirmed before your details are shared or before you proceed.

Responsible Funding

Clear before commitment

Any funding discussion should consider trading history, cash flow, total repayment cost, fees, security, guarantees and whether the product suits the reason you need funds.

We do not promise acceptance, speed or a lowest rate because commercial funding terms depend on eligibility and underwriting.

Regulatory Disclosure

Important funding information

Aarubi Finance Ltd is not authorised or regulated by the Financial Conduct Authority. We provide Merchant Cash Advance services with YouLend and 365 Finance and may introduce eligible businesses to selected unregulated commercial finance providers. We do not provide consumer credit, regulated mortgages or personal financial advice. Eligibility and terms apply.

Aarubi Finance Ltd is registered in England and Wales under company number 16422403. Registered office: 66 The Kent, Rugby, CV21 4NQ.

Aarubi Finance Ltd works with YouLend and 365 Finance for Merchant Cash Advance enquiries. For other commercial loan enquiries, Aarubi Finance Ltd may introduce eligible businesses to finance providers. Provider names and any commission or introducer fee details will be confirmed before your details are shared or before you proceed.

Complaints or questions about a business funding enquiry can be sent to aarubifs@gmail.com or discussed by phone on 07989 225 885.

FAQs

Business funding questions

Is Merchant Cash Advance a business loan?

A Merchant Cash Advance is a commercial funding product where repayment is linked to a percentage of future card takings. Suitability depends on your trading pattern, card turnover and affordability.

Does Aarubi Finance Ltd provide personal loans?

No. Aarubi Finance Ltd does not provide consumer credit, personal loans, regulated mortgages or personal financial advice through this website.

Who does Aarubi Finance Ltd work with for Merchant Cash Advance?

Aarubi Finance Ltd works with YouLend and 365 Finance for Merchant Cash Advance enquiries. Eligibility, terms and provider requirements apply.

Will my details be sent to a finance provider automatically?

No. The current form sends your enquiry to Aarubi Finance Ltd. For other commercial loan introductions, provider names and any commission or introducer fee details will be confirmed before your details are shared or before you proceed.

Do I need to upload bank statements or ID documents?

No. The initial eligibility form only asks for basic trading, turnover, funding purpose and contact details. Do not submit bank login details, payment card details or identity documents through this form.

Eligibility Check

Start a business funding enquiry

Share the basic figures needed for an initial review. Do not submit bank login details, payment card details, ID documents or supporting documents through this form.

Privacy note: this enquiry is for Aarubi Finance Ltd. Provider names and any commission or introducer fee details will be confirmed before your details are shared for a commercial loan introduction or before you proceed.

For companies and LLPs. Leave blank if not applicable.

Leave blank if you are not asking about Merchant Cash Advance.

Eligibility and terms apply. This is not a guarantee of funding or advice to proceed.

Need to talk it through first?

Call Aarubi and we can explain which details are useful for an initial business funding review.

07989 225 885