We lend against what you earn.Not what you own.
Fixed repayments don't care if your business has a slow month. We do. Our repayments flex with your revenue, so a quiet month never becomes a crisis.
Revenue-based.
Fixed fee. No surprises.
We provide UK SMEs with growth capital that repays as a percentage of their monthly revenue. One fixed fee agreed upfront. No compounding interest under standard terms, no hidden costs.
One fixed fee
You'll know the exact total to repay before you commit. No variable rates. No surprises mid-term.
Repayments flex with revenue
Strong month? You repay a little more. Quieter month? Repayment reduces.
No collateral required
We look at what your business earns, not what it owns. Your assets stay yours.
100% ownership retained
No equity dilution. No board seats. Once repaid, there are no ongoing obligations. Many of our clients come back when they're ready to grow again.
From application to capital in days.
Apply online
Short application. Straightforward and quick.
Connect your data
Securely connect your bank account, accounting software. We integrate with Xero, QuickBooks, Stripe, Shopify and Open Banking.
Receive your offer
We assess your revenue & cashflow and make a clear offer. One fixed fee, decided upfront.
Funds deployed
Deploy into stock, equipment, hiring, marketing, or any growth-related purpose.
Repay flexibly
A percentage of revenue collected via Weekly Direct Debit. Busy weeks pay more, quiet weeks pay less. No stress.
"We only get paid when you get paid. When your revenue dips, your repayment dips with it."
Apply. Connect. Receive. Deploy. Repay flexibly.
Straightforward and quick.
Securely connect your bank account, accounting software.
Revenue & cashflow assessed. One fixed fee, decided upfront.
Deploy into stock, equipment, hiring, marketing, or any growth-related purpose.
Weekly Direct Debit. Busy weeks pay more, quiet weeks pay less.
Quick Eligibility Check
Three questions. Soft check. Won't affect your credit score.
UK-registered limited company?
Trading for a minimum of 12 months?
Monthly revenue of £10,000 or more?
If banks say no and VCs want too much,
there is a third path.
Collateral. Fixed repayments. Years of history.
Most growing SMEs do not qualify. Asset-light businesses (services, hospitality, digital) are systematically turned away. Your revenue does not count as collateral. It should.
Equity. Hyper-growth. Board control.
VCs require hyper-scalable, technology-driven businesses with proven market share and high revenue thresholds. Most genuine UK SMEs never reach their radar. This isn't rejection, it's simply a different market.
Cash flow & data is the collateral.
We look at what you earn. If your business generates consistent revenue, that is the foundation for your facility. No property. No equity. Repayments that move with your business.
Why FundYourRevenue?
| Bank | Venture Capital | FundYourRevenue | |
|---|---|---|---|
| Collateral required | Yes | N/A | None |
| Equity dilution | N/A | 10-30% | No Equity |
| Fixed monthly repayments | Yes | N/A | Flex |
| Approval speed | Months | Months | Days |
| Board seats / control | N/A | Yes | None |
| Compounding interest | Yes | N/A | No* |
| Personal guarantee | Usually | N/A | *Only Under Special Conditions |
*Under standard terms. In the event of default or covenant breach, additional charges may apply.
Built for real businesses.
If your business has consistent revenue and you recognise yourself below, we can probably help.
Education & Childcare
Predictable recurring fee revenue.
Franchise Operators
Proven unit economics.
Healthcare & Wellbeing
Predictable patient/client revenue.
Hospitality
Consistent trading & card data.
Marketing-Driven SMEs
Trackable revenue streams.
Personal Services
High-frequency repeat businesses.
Professional Services
Recurring client engagements.
Retail
Consistent footfall & card transactions.
SaaS & Digital
Monthly/annual recurring revenue.
Trades & Construction
Steady contract pipelines.
Transport & Logistics
Contracted revenue streams.
Wellness
Loyal repeat client bases.
Built for the businesses banks overlook.
"The idea that repayments flex with my revenue would have saved me a lot of sleepless nights two years ago."
"I didn't know anything like this existed. Fixed repayments nearly broke us after a quiet summer."
"No equity, no collateral, and the repayment adjusts? That's how business funding should work."
Ready to see what FundYourRevenue could do for your business?
Three questions to check eligibility. Soft check. Won't affect your credit score.
Built by an entrepreneur who's been in your shoes.
This isn't a product designed by financial engineers in a boardroom. It's built by people who've sat on the other side of the desk. They remember what it felt like.
FundYourRevenue was founded by Kulbir Arora, alongside co-founder Munish Singla. Kulbir is an SME operator who has had boots on the ground since a very early age, navigated three economic cycles, and understands what it actually feels like to run a business when cash flow gets tight. Munish leads the technology and finance, responsible for the underwriting platform and data architecture that powers FundYourRevenue. With 25+ years of experience in banking and private equity, previously at NatWest, Morgan Stanley, and McKinsey, he brings deep expertise in fintech infrastructure, data systems, and SME-facing digital products. Wharton MBA, CSE IIT-Delhi.
This is a product built by people who've run businesses, not by people from behind a desk.
All of that experience has been channelled into building an organisation that genuinely wants to support businesses. We give you space to decide. We explain everything before you commit. And we never ask for a share of what you've built.
The name behind FundYourRevenue, Colleganza, comes from a 12th-century Venetian merchant partnership. It was the world's first form of venture capital: a risk-sharing arrangement where a merchant and an investor aligned their interests. When the venture succeeded, both benefited. When it struggled, the burden was shared.
Your repayments move with your revenue. When your business thrives, we're repaid faster. When things slow down, the pressure eases. Our interests are aligned with yours. By design, not by accident.
Operators, not just lenders.
Kulbir Arora
Founder & CEO | SME Operator
SME operator across three economic cycles. Has built and run businesses across hospitality, retail, and professional services. Long-standing interest in resilient business models and embedded finance.
LinkedIn
Munish Singla
Co-Founder & CFO
25+ years of experience in banking and private equity. Previously at NatWest, Morgan Stanley, and McKinsey. Wharton MBA, CSE IIT-Delhi.
LinkedInThere's a better way to fund growth.
There are plenty of ways to fund a business. Most come with trade-offs nobody mentions until it's too late.
Different from a bank
Banks lend against assets. If you don't have property to pledge or a perfect credit history, you're unlikely to get through the door. And if you do, you'll face fixed monthly repayments that don't care whether your business had a good month or a bad one.
We lend against your revenue. We assess what your business actually earns, not what it owns. Repayments flex with your card sales. No collateral. No fixed monthly payments. No business plans.
Different from equity and venture capital
Equity funding means giving away a piece of your business, permanently. You lose a degree of control, you answer to investors, and the cost of that capital compounds as your business grows.
Our facility has a fixed cost agreed at the start. Once you've repaid it, the facility ends. Your business remains entirely yours: no board seats, no shareholder agreements, no dilution.
Different from other alternative lenders
Many alternative lenders market speed as their primary feature. Cash in hours. Approval in minutes. We take a different view.
When someone is pushing you to make a financial decision in hours, it's worth asking: why the rush? As an SME founder myself, I've learnt from my own mistakes, and I don't want our customers making the same ones.
We are not slow. We are AI-backed. We use robust underwriting and gold-standard processes. But we are not impulsive, and we don't sell urgency as a product.
We fund your clients' revenue. You earn the introduction, You share the success.
Give your clients an option they didn't know they had. FundYourRevenue delivers flexible, revenue-linked financing through transparent terms, structured decisions and a relationship built to last.
A product built for your clients.
Revenue-linked, not asset-backed
Growth capital with no hard collateral requirement. A product that works precisely where bank lending fails. Not another loan with a different logo.
Transparent terms, every time
Fixed fee agreed upfront. No compounding interest under standard terms. No hidden costs. We explain every term in plain language, no jargon, no buried clauses.
A relationship, not a referral desk
We work directly with our partner network. Our CEO handles partner relationships personally. You will not be dealing with a call centre or an automated portal.
Three steps. No complexity.
Refer a business
UK-registered limited company looking for Growth Capital, min 12 months trading, £10,000+ monthly revenue.
We handle the process
Our team manages the application, underwriting, and funding directly with your client. You're kept informed throughout.
Earn your fee
Receive an introduction fee on every successfully funded referral.
Brokers, accountants and advisers who know their clients.
Our partner network comprises professionals who have built trust with SME business owners.
Commercial Finance Brokers
Brokers with SME clients who need growth capital but cannot access conventional lending. FundYourRevenue extends your product range into revenue-linked facilities.
Accountants & Advisers
Accountants who understand their clients' financials and can identify businesses that qualify. A natural fit. You already know the revenue data we assess against.
IFAs & Wealth Managers
Financial advisers whose clients include business owners seeking working capital or growth funding outside of their personal wealth structures.
Business Consultants
Consultants advising SMEs on growth strategy, operations, or turnaround. If your client has the revenue, we can help fund the next stage.
Insolvency Practitioners
Referral only. IPs who encounter viable businesses in their network that are not in distress but need growth capital. Not for front-end acquisition.
Fairly paid. Every time.
We pay industry-standard introduction fees on all successfully completed facilities. We prefer to discuss fee structures personally. Every partner relationship is different.
Standard
Industry-standard rate on every completed facility. Paid promptly on drawdown.
Repeat & Volume
Enhanced rates for partners who refer consistently. The relationship gets more rewarding over time.
Exclusivity & Loyalty
Partners who give us preferred-lender status receive our best rates and direct, personal access to our CEO for every partner in the network.
Get started
Complete the short form and our team will be in touch, typically within one business day. No lengthy onboarding. Just a direct conversation.
By submitting you agree to be contacted by FundYourRevenue (Colleganza Partners Ltd). Your data is encrypted and never shared with third parties.
Straightforward guides to business finance.
No jargon, no sales pitch. Practical, honest explainers for UK SME owners thinking about their funding options.
Understand the options
Guide
What is revenue-based finance?
How revenue-based facilities work, who they're suited for, and how they differ from traditional finance.
Read →Guide
Revenue-based finance vs bank loans
A side-by-side comparison, and when each makes sense.
Coming soonThe landscape you're operating in
62,000+
UK businesses in critical financial distress in Q1 2026, up 37% year on year.
Source: BTG / CPA, April 2026
1.5%
of UK SMEs applied for a bank facility in 2025. Not because they don't need finance. Because the process fails them.
Source: British Business Bank, 2026
£22bn
The funding gap between what UK SMEs need and what banks are willing to provide.
Source: British Business Bank, 2026
Analysis
Why fixed repayments are the real risk for UK SMEs in 2026
The data behind rising distress, and why repayment structure matters more than rate.
Read →Analysis
What rising insolvency rates mean for SME finance choices
How the wider environment is shaping business decisions.
Coming soonAnalysis
The SME funding gap: why banks aren't lending
Where the £22bn gap comes from.
Coming soonThe questions worth asking.
Tell us about your business.
Complete the form and we will come back to you within one business day to discuss your options.
What happens next?
We'll review your details and come back within one business day. No automated decisions. No pressure. Just a conversation about whether our product fits your situation.
This is not a formal credit application and will not affect your credit score.
By submitting you agree to be contacted by FundYourRevenue (Colleganza Partners Ltd) regarding your enquiry. Your data is encrypted and never shared with third parties. Growth capital only. UK limited companies only. Capital is at risk.
What is revenue-based finance?
Revenue-based finance is a form of business funding where repayments are linked to a company's revenue, rather than fixed at a set amount each month.
Instead of equal monthly instalments, a business receives an upfront advance and repays it as a percentage of ongoing sales. When revenue is strong, repayment is higher. When revenue dips, repayment reduces.
This makes it well suited to businesses with variable or seasonal income: hospitality, retail, wellness, education, and other sectors.
How does it differ from a bank loan?
A bank loan comes with fixed repayments, set interest, and collateral requirements. The amount stays the same whether your business is thriving or struggling.
Revenue-based finance adjusts. The cost is a single fixed amount, not compounding interest. A slow month doesn't become a cash flow crisis.
How does it differ from equity?
Equity means giving up ownership permanently. Shared control and a cost that grows with the business.
Revenue-based finance involves no equity exchange. Once repaid, the facility ends. Your business stays yours.
Is it the same as a merchant cash advance?
A merchant cash advance (MCA) is a specific type where repayments come from card transactions. Not all RBF works this way, but the MCA model is common in the UK for businesses with significant card sales.
Who is it suitable for?
Businesses trading for a minimum of 12 months with consistent revenue, seeking capital without equity, collateral, or fixed payments. Not suited to pre-revenue startups or businesses in significant financial distress.
No financial advice is intended. Businesses considering finance options should seek independent professional advice.
Why fixed repayments are the real risk for UK SMEs in 2026.
Corporate distress rose nearly 37% in Q1 2026, with over 62,000 businesses in critical difficulty (source: BTG / CPA, April 2026). Only 1.5% of SMEs applied for bank loans in 2025 (source: British Business Bank).
The reasons are familiar: rising costs, higher NICs, elevated energy prices. But underneath is a quieter problem affecting viable, growing businesses. Fixed repayments.
The mismatch
Fixed repayments assume consistent earnings. For most SMEs (hospitality, retail, wellness) that's not reality. When revenue drops, costs drop. But the fixed repayment doesn't. That mismatch is where cash flow crises begin.
What the data suggests
Grant Thornton notes higher default rates driven by the disconnect between fixed structures and volatile revenues (source: Grant Thornton, August 2024). Francis Wilks & Jones observes creditor tolerance reducing as recovery confidence fades (source: FWJ, December 2025).
The alternative
Revenue-linked structures address this directly. Strong month, higher repayment. Slow month, lower. Total cost stays the same; only the pace changes. This isn't niche. It's the logical structure for any business whose revenue isn't perfectly consistent, which is most of them.
Sources cited inline. No financial advice is intended. Businesses facing financial difficulty should seek professional advice.
Privacy Policy
Colleganza Partners Ltd (trading as FundYourRevenue), Company No. 17035326, registered at 45 Albemarle Street, London W1S 4JL ("we", "us", "our"), is the data controller for your personal data.
What we collect
We collect information you provide directly: name, email, phone number, business name, company number, trading history, monthly revenue, and any additional information submitted via our application or partner registration forms. We may also collect technical data such as IP address, browser type, and pages visited.
How we use your data
We use your data to assess eligibility for our growth capital facilities, communicate with you about your application, manage our partner relationships, comply with legal and regulatory obligations, and improve our services. We do not sell your personal data to third parties.
Legal basis
We process your data on the basis of legitimate interest (to assess and provide our services), contractual necessity (to fulfil our obligations), and consent (where you have opted in to communications).
Data sharing
We may share your data with credit reference agencies (soft search only at initial assessment), our technology and banking partners as required to deliver our services, and professional advisers. We do not share data with unrelated third parties for marketing purposes.
Retention
We retain your data for as long as necessary to fulfil the purposes for which it was collected, and for a minimum of six years following the conclusion of any facility, as required by financial regulations.
Your rights
You have the right to access, correct, or delete your personal data, to restrict or object to processing, and to data portability. To exercise any of these rights, contact us at [email protected].
Contact
For any privacy-related queries: [email protected] or write to us at 45 Albemarle Street, London W1S 4JL.
This policy was last updated in May 2026. This is a draft policy and will be reviewed by legal counsel prior to public launch.
Terms of Use
This website is operated by Colleganza Partners Ltd (trading as FundYourRevenue), Company No. 17035326, 45 Albemarle Street, London W1S 4JL.
Use of this website
This website is provided for informational purposes only. It does not constitute a financial promotion, an offer to lend, or financial advice. All facilities are subject to status, underwriting, and our standard terms and conditions.
Eligibility
Our products are available to UK-registered limited companies only. Completing an application form or eligibility check does not guarantee approval. All applications are subject to our underwriting process.
Accuracy
We make reasonable efforts to ensure the information on this website is accurate and up to date. However, we do not warrant its completeness or accuracy, and we are not liable for any errors or omissions.
Intellectual property
All content, design, logos, and materials on this website are the property of Colleganza Partners Ltd and are protected by applicable intellectual property laws. You may not reproduce, distribute, or use any content without our prior written consent.
Limitation of liability
To the fullest extent permitted by law, we exclude liability for any loss or damage arising from your use of this website or reliance on its content.
Governing law
These terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
These terms were last updated in May 2026. This is a draft document and will be reviewed by legal counsel prior to public launch.
Complaint Policy
We take complaints seriously. If you are dissatisfied with any aspect of our service, we want to know about it and resolve it as quickly as possible.
How to make a complaint
You can submit a complaint by email to [email protected], by letter to Colleganza Partners Ltd, 45 Albemarle Street, London W1S 4JL, or by telephone on 0330 0430 577.
What to include
Please provide your name, business name, contact details, a description of the issue, and what resolution you are seeking.
Our process
We will acknowledge your complaint within two business days of receipt. We aim to resolve all complaints within 15 business days. If we require additional time, we will inform you and provide a revised timeline. You will receive a written response setting out our findings and any proposed resolution.
If you remain dissatisfied
FundYourRevenue is not authorised or regulated by the Financial Conduct Authority, and the Financial Ombudsman Service will not be able to consider a complaint about FundYourRevenue. If you remain dissatisfied after our internal process, you may wish to seek independent legal advice.
This policy was last updated in May 2026. This is a draft policy and will be reviewed by legal counsel prior to public launch.
Modern Slavery Statement
This statement is made pursuant to Section 54 of the Modern Slavery Act 2015 and sets out the steps Colleganza Partners Ltd (trading as FundYourRevenue) has taken to ensure that modern slavery and human trafficking are not taking place in our business or supply chains.
Our business
Colleganza Partners Ltd is a UK-based fintech company providing revenue-linked growth capital to SMEs. We are a small organisation with a limited supply chain, operating entirely within the United Kingdom.
Our commitment
We are committed to acting ethically and with integrity in all our business relationships. We do not tolerate modern slavery or human trafficking in any part of our business. We expect the same standards from our suppliers and partners.
Due diligence
We assess the risk of modern slavery in our operations and supply chain. Given the nature of our business (financial services, UK-based, limited supply chain), we consider the risk to be low. We will continue to monitor this and take appropriate action if any concerns arise.
This statement was last updated in May 2026 and covers the financial year ending 2026. Signed by Kulbir Arora, Founder & Director.
Accessibility Statement
We want everyone to be able to use the FundYourRevenue website. We have taken steps to make our website accessible and are committed to ongoing improvement.
What we have done
We have designed this website with accessibility in mind, including semantic HTML structure, sufficient colour contrast ratios, keyboard navigability, readable font sizes, clear headings and structure, and alt text for meaningful images.
Known limitations
As we continue to develop this website, there may be areas where accessibility can be improved. We are actively working to identify and address any issues.
Feedback
If you experience any difficulty using this website or have suggestions for improvement, please contact us at [email protected]. We welcome all feedback and will respond within two business days.
This statement was last updated in May 2026. This is a draft statement and will be reviewed prior to public launch.