July 7, 2025

Cubefunder’s Flexible Finance: A Smarter Fit in Today’s Lending Landscape

SMEs across the UK are facing growing financial pressure. With inflation remaining persistent and interest rates still elevated, many small businesses are experiencing cashflow strain,delayed payments from clients, and reduced access to traditional lending. At the same time, high street banks have become more risk-averse, tightening their credit policies and declining applications that fall outside of standard parameters.

Brokers Stepping in to Bridge the Funding Gap

This shift has left a gap in the market—one that brokers are working hard to fill by sourcing more agile, responsive funding options for their clients. Whether it’s for working capital, supplier payments, stock, or short-term growth, businesses are increasingly turning to non-bank lenders
for support.

How Cubefunder Supports SME Clients

Cubefunder is meeting this need with flexible, short-term business loans ranging from £5,000 to £100,000 on terms between 3 to 24 months, with repayments tailored to the cashflow patterns of each business. This approach gives businesses greater control and brokers more scope to find the right fit for clients who may not meet traditional lending profiles.

New 24-Month Option for Non-Homeowners

In response to broker demand, Cubefunder has launched an exclusive 24-month product for non-homeowners—helping more businesses access longer-term funding without requiring directors to own property.

Improved Commission Structure for Brokers

The newly updated commission structure makes the offer even more appealing for brokers.Starting at a competitive 8%, commission increases with monthly deal flow:

  • 12% on all deals once a broker funds 3+ cases in a calendar month
  • 15% on all deals if the broker funds 6+ deals totalling £100,000 or more
Broker-First Thinking That Rewards Results

“We’re rewarding performance and encouraging growth,” said Manny, Broker Development and Relations Manager. “Our new model gives brokers the ability to earn up to 15% commission, while helping clients secure accessible, cashflow-matched funding.”

Why Cubefunder Is a Go-To Lender for SME Finance

With a manual underwriting approach, flexible criteria, and a broker-first mindset, Cubefunder is the ideal partner for brokers supporting SMEs in today’s evolving finance landscape.

Want to grow your commissions and deliver flexible funding for your clients? Get in touch or visit https://www.cubefunder.com/brokers/ to partner with us.

About Nomo

Cubefunder is a fintech lender specialising in SME finance. They have provided over £55 million in funding to more than 2,000 businesses across sectors, including hospitality, retail, and construction. Their flexible approach makes business funding accessible when traditional banks say no.

Visit Cubefunder
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About Fiducia Commercial Network

Fiducia Commercial Network is a commercial finance ‘Appointed Representative’ network created to allow independent firms to provide commercial property finance and trading business finance options to their existing client base and network.

Joining the network provides opportunities for professional brokers to offer a full range of commercial finance solutions by acting as an Appointed Representative (AR) with the full support of the Fiducia Commercial Network team.

The Fiducia Commercial Network membership includes FCA authorisation and reporting, PI insurance, and NACFB membership, plus business, compliance, finance, system, and admin support from a company with over 20 years’ experience in commercial finance.

If you’d like to discuss joining Fiducia Commercial Network or you’d like to apply to become an Appointed Representative…

SPEAK TO OUR TEAM

 

To discuss Fiducia Commercial Network or to apply to become an Appointed Representative email the team via by clicking this link.

For all media and marketing enquiries contact –  pr@fiduciagroup.co.uk