Customer Reviews

Funding Options Customer Reviews & Expert Rating

^{The overall score out of 10 combines our expert rating out of 5 with the average customer rating out of 5.}

7.8/10Basic

Based on 1 customer review and our expert analysis

Expert review by Good Money Guide · Last updated 11th September 2025

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Funding Options Expert rating

^{Our expert rating is the average of the areas listed here, each scored out of 5 by our team.}

4.8Excellent

Our experts have rated Funding Options across four key areas of our review framework.

Rates5.0
Terms5.0
Flexibility5.0
Eligibility4.0

Pros

Wide lender selection
Check quotes no-score impact
Free, no obligation

Cons

Varying terms risk
Indirect service provider
Potential for high cost

See full expert review

Our verdict

Funding Options (now “Funding Options by Tide”) is a UK-based finance broker / marketplace that helps small and medium-sized enterprises (SMEs) find business finance by matching them with lenders. It doesn’t itself provide the money; instead, it works with over 80 lenders so businesses can compare different types of funding (business loans, invoice finance, asset finance, commercial mortgages, etc.). It is backed by Tide, which is known for its SME-banking and business services.

How does Funding Options work?

To get a business loan from Funding Options the process begins with you telling them about your business and how much you need to borrow (and what for). There’s an online form, and providing this information lets their technology compare quotes from multiple lenders based on your business profile—turnover, credit, how long trading etc.

Because you’re matched with many lenders, you can often see several possible offers rather than just one. There’s no obligation to accept, and checking eligible quotes doesn’t affect your credit score. Once you choose a lender, they guide you through the application process.

Is Funding Options legit

Yes, Funding Options is legitimate. It’s a registered company in England & Wales, is transparent about its role as a broker rather than direct lender, and is associated with Tide. It has good reputational markers: high Trustpilot ratings (about 4.8/5) with many customers commenting positively on how easy and helpful the service is.

Is Funding Options safe

Generally, yes. Because it doesn’t lend itself, there’s less risk of conflict of interest around funding terms from Funding Options itself. The transparency of having multiple lenders to compare, the ability to check options without a credit score hit, and decent customer feedback all suggest trustworthy practice.

But as with any finance broker / lender match, safety depends on the lender you pick: fees, interest rates, and obligations like personal guarantees may vary and can carry risk. Always read the terms carefully before committing.