You're the Underwriter Talk to us Find funding

Funding decisions deserve better information.

Juno Funding is a UK knowledge platform for SME funding. We explain how each product actually works, what it really costs, and when it is the wrong choice — so business owners and their advisors can make decisions with the same information a good CFO would have.

A small business owner standing at her desk in her workspace, calm and considered, daylight from a side window.
The problem

Most funding content is written to sell, not to inform.

Rates are quoted in ranges that mean nothing. Trade-offs are buried. The product that pays the highest commission tends to be the one being recommended.

For a UK SME, that turns a routine decision into a slow, anxious one. You end up choosing between options you don't fully understand, priced in ways you can't easily compare, with downside risks nobody wanted to spell out.

Cash flow problems are usually framed as a funding problem. Often they aren't. Sometimes the right answer is a different product. Sometimes it's better collections, a renegotiated supplier term, or no funding at all.

How Juno Funding helps

Four things, done properly.

Honest product explanations

What it is, when it works, when it doesn't, what it actually costs in real numbers, and what the operational impact looks like once it's live.

Straight comparisons

Side-by-side, with the trade-offs visible — speed, cost, certainty, flexibility, security, and exit terms.

Practical cash flow guides

How to read it, how to forecast it, and how to fix the patterns that quietly kill otherwise healthy businesses.

Upfront about how we're paid

Juno Funding isn't regulated and doesn't give advice. When we introduce you to a funder, it's one we believe will serve you well — and we may receive an introductory fee. We'll always tell you.

Why Juno Funding is different

The funding industry rewards opacity. Juno Funding is built to do the opposite.

  • We name real costs, not ranges.
  • We say when a product is a bad idea — even a popular one.
  • We don't write for keywords. Every page is meant to be useful first.
  • We don't dress up as a lender or a broker. We're a knowledge platform, and that's the whole job.

The promise is simple: we'll tell you the truth about funding, even when the truth is you don't need this.

Four business owners and advisors discussing funding options around a table, with cash flow documents and a Juno Funding mug.
Reading the numbers, not the marketing. Most funding decisions go wrong because the headline rate is the only number anyone shares. The detail is what matters.
Funding products

Every major SME funding product, explained properly.

Each page covers what the product is, when it works, when it's the wrong choice, and what it actually costs. Same structure across the seven, so they're easy to compare.

Invoice finance

Borrowing against unpaid B2B invoices. Funding scales with your sales ledger.

Best for growing B2B businesses on 30+ day terms.
All-in cost typically 1.5–3% of turnover.

Read the full page

Asset based lending

A single facility against receivables, stock, plant, and property. Used in mid-market deals.

Best for £10m–£200m turnover, asset-rich, M&A or restructuring.
Setup 8–16 weeks.

Read the full page

Bridging finance

Short-term property-secured loans where speed is the product. Priced by the month.

Best for a clear asset and a credible exit inside 12 months.
All-in cost typically 12–20% of loan over 12 months.

Read the full page

Term loans

Lump sum, repaid over a fixed period. The workhorse of SME finance.

Best for capex, acquisitions, refinancing — predictable use of funds.
APR 5.5–18% depending on security and profile.

Read the full page

Merchant cash advance

Lump sum repaid as a slice of daily card receipts. Fast, accessible, expensive.

Best for short, well-understood gaps in card-heavy businesses.
APR-equivalent typically 25–55%.

Read the full page

Supplier finance

Buyer-led early payment for suppliers, priced off the buyer's credit rating.

Best for SMEs selling into investment-grade buyers.
Discount rate typically 1.5–4% over base.

Read the full page

Trade finance

Funds the gap between supplier payment and customer settlement on goods trades.

Best for established importers and exporters with repeat trades.
Margin 2.5–6% over base on funds drawn.

Read the full page

Asset finance

Fund or release value from vehicles, machinery, and equipment. The asset secures the borrowing.

Best for businesses acquiring or refinancing physical assets.
APR typically 5–15% depending on asset and term.

Read the full page

Revolving credit

A pre-agreed limit you draw, repay, and draw again. Pay interest only on what you use.

Best for ongoing working capital with a variable, recurring need.
Rate typically 7–15% on drawn balance.

Read the full page

See all products

Side-by-side overview of every product on the platform, including links to comparison pages as we publish them.

Use this when you want to scan rather than read in depth.

Open the index
Who it's for

Built for the people making the call.

  • SME owners and finance directors making a real decision in the next few weeks.
  • Accountants and advisors who want a single trusted reference for clients.
  • Brokers and introducers who want to understand a product properly before recommending it.

If you're researching funding for the first time, How it works is the right starting point. If you already know the product, the Insights library has the detail.

Juno Funding is not a lender. Juno Funding is not a broker. Juno Funding is not a regulated adviser. We publish information to help you reach a better decision. The decision itself, and the choice of provider, sits with you and your professional advisors.

Find funding