An Overview of Cube Funder
Cube Funder, also known as Cubefunder or registered under its company name Tallaght Financial Ltd, is an FCA-regulated direct lender operating in the United Kingdom. The provider specializes in offering flexible unsecured short term business loans to small and medium enterprises (SME). By combining automated analysis techniques with human underwriting processes, Cube Funder aims to provide structured funding solutions tailored to short term working capital needs.
As an independent finance provider, Cube Funder offers fixed-cost facilities featuring daily or weekly repayment schedules. Notably, their loans come with no early repayment fees, allowing businesses flexibility in how they handle their balance over the course of the loan agreement.
Cube Funder Business Finance Products
The primary core offering from Cube Funder is short term Business Loans, specifically focusing on unsecured business loans. These financial facilities are designed primarily for working capital purposes.
Cube Funder markets its loan products as a viable alternative to traditional merchant cash advances. Unlike a standard merchant cash advance, Cube Funder does not require a business to hold a dedicated merchant account, nor does it split daily card receipts. Instead, funding is provided as a fixed-cost short term loan structure with direct daily or weekly repayments taken via bank transfer or direct mandate.
Who Cube Funder Suits and Key Eligibility Criteria
Cube Funder specifically targets established small and medium-sized businesses operating within England or Wales. Their products are available to both UK limited companies and sole traders, subject to meeting explicit criteria regarding trading history and revenue.
To qualify for a facility with Cube Funder, applicants must meet the following standard requirements:
- Business Location: Must be based in England or Wales.
- Legal Structure: Open to UK limited companies as well as sole traders.
- Trading History: A minimum of 3 months active trading history is required.
- Minimum Turnover: A minimum monthly revenue of £4,000 is necessary to qualify.
- Funding Purpose: Designed for short term working capital requirements.
Deal Sizes and Key Provider Details
Cube Funder offers financing ranging from a minimum deal size of £5,000 up to a maximum deal size of £100,000. Sole traders are eligible to access funding, provided the requested borrowing amount meets or exceeds the £5,000 minimum threshold.
| Feature | Details |
|---|---|
| Provider Name | Cube Funder (Cubefunder / Tallaght Financial Ltd) |
| Provider Type | FCA-Regulated Direct Lender |
| FCA Reference Number | 786297 |
| Companies House Number | 09261403 |
| Product Offered | Unsecured Short Term Business Loans |
| Minimum Deal Size | £5,000 |
| Maximum Deal Size | £100,000 |
| Sole Trader Availability | Yes, for borrowing over £5,000 |
| Repayment Frequency | Daily or weekly repayments (Fixed-cost facility) |
| Early Repayment Fees | None |
How to Access Cube Funder
Businesses seeking a working capital loan through Cube Funder can access their facilities via multiple routes. Applications can be submitted directly through the provider's official online portal or via commercial finance brokers, finance marketplaces, and designated partner platforms.
Comparing Your Funding Options with SME Money
Choosing the correct business loan requires reviewing the broader marketplace to ensure the repayment terms, facility size, and lending criteria match your exact business profile. While Cube Funder provides flexible short term options, other lenders across the UK market may offer alternative term lengths or structures suited to your commercial goals.
SME Money connects UK businesses with specialist brokers who search over 70 lenders to find the right funding without the bias of a single bank or lender. Whether you are seeking unsecured short term capital or looking to evaluate broader financial products, working with an independent specialist helps you explore all market options transparently before making a decision.