Cubefunder business loans review

Cubefunder provides fixed-cost business loans of £2,500 to £100,000 over 3-12 months. It charges one set fee instead of adding interest, and can design a flexible repayment plan to match the rises and falls in your company’s cashflow.

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Cubefunder business loans comparison

Cubefunder business loans

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Name Product Finder Score Loan type Loan amounts Loan terms Turnover/trading criteria Key benefit
Cubefunder Sole Traders Flexible Business Loans
Finder score
Fixed rate loan
£2,500 to £7,500
Up to 12 months
No specified minimum turnover or time trading
Representative Example: Borrowing £5,000 over 24 months at an interest rate of 30.0% p.a. (fixed), you will repay 24 monthly payments of £320.83 per month. Interest Payable £2,700. Total Repayable £7,700. Representative 45.5% APR.
Cubefunder Flexible Business Loans
Finder score
Fixed rate loan
£5,000 to £100,000
3 to 12 months
£4,000 minimum turnover,
minimum 3 months trading
Flexible repayment plans with no late payment penalties or early repayment penalties. Receive funds within 48 hours.
Fixed cost of credit.

Other popular business loans

Table: promoted deals first

Name Product Finder Score Loan type Loan amounts Loan terms Turnover/trading criteria Key benefit
Funding Options Unsecured Loan
Finder score
Unsecured loan
£1,000 to £15,000,000
12 to 72 months
£100,000 per annum minimum turnover,
minimum 12 months trading
Representative example: Borrow £50,000 over 24 months at a rate of 7.63% APR. Monthly repayment of £2,252.94 and the total amount payable is £54,070.56.
Nest Unsecured Business Loan
Finder score
Fixed rate Unsecured loan
£10,000 to £5,000,000
6 to 120 months
£200,000 minimum turnover,
minimum 12 months trading
JD Capital Finance Unsecured Business Loan
Finder score
Variable rate Unsecured loan
£10,000 to £500,000
No specified loan terms
£100,000 minimum turnover,
minimum 12 months trading
Starling Bank Fixed Rate Business Loan
Finder score
Fixed rate Secured loan
£25,001 to £250,000
12 to 72 months
No specified minimum turnover,
minimum 18 months trading
Nucleus Cash Flow Finance
Finder score
Fixed rate Unsecured loan
£25,000 to £250,000
3 months to 5 years
No specified minimum turnover,
minimum 3 years trading

Cubefunder business loans overview

Cubefunder is a direct lender not a broker.

London-based Cubefunder is a newcomer to the business loans market, having launched in 2017. While many business lenders will add interest for the time your loan is outstanding, Cubefunder has just one fixed fee which it adds to your loan total. This fee will vary depending on your loan amount and repayment term, as well as the size and creditworthiness of your business.

Cubefunder’s repayment model is also unique as it can adapt to how and when you receive payments from your customers. You can pay more off of your loan on months when revenue is good and less on months when it has dipped.

Whether your business has hit a financial emergency or you need a cash boost to get it to the next level, Cubefunder could help with a tailor-made business loan of up to £100,000. It’s quick and straightforward to apply online at the Cubefunder website.

Quick overview of Cubefunder business loans

Minimum trading period Not specified
Loan terms From 3 to 12 months
Loan amounts From £2,500 to £100,000
Minimum turnover £4,000

Key features of an Cubefunder business loan at a glance

  • Flexible repayment model. Cubefunder’s technology-based repayment plan means it can adapt to your business’s cashflow. On months when revenue is good, you can pay more and when it has taken a dip, your repayments can too.
  • Soft searches. Find out if you are eligible for a Cubefunder business loan without it impacting on your credit rating.
  • Borrow £5,000 to £100,000. Your loan amount will depend on the size of your business, its performance and creditworthiness.
  • Repay over 3 to 12 months. Work out a repayment plan to suit your business needs and affordability.
  • Repay your loan early at any time. Cubefunder will not charge you for settling early. You can let an advisor know if you plan to do this and they will work out what your settlement figure is. The loan charge will be recalculated to reduce the amount to be repaid.
  • No hidden fees. Cubefunder adds one set fee when you take out a loan. It does not add late charges, as long as you have let an advisor know that you are going to have trouble with a repayment and have come to an agreement.
Loan typeFixed rate loan
Credit limits£5,000 to £100,000
Loan terms3 to 12 months
Loan rate typeFixed
Personal guaranteeA personal guarantee may be required
Early repayment fee
More Info

Interest rates are fixed for the duration of your repayment period. However, the rate you’re offered will depend on factors like the amount you apply for, the term of the loan, the performance of your business and its credit rating. This may differ from the advertised “representative APR”.

Am I eligible for an Cubefunder business loan?

You should only apply for an Cubefunder business loan if you’re certain you can meet the repayment terms. You must also:

  • Be a private, limited company registered at Companies House in England or Wales
  • Have been trading for 3 months
  • Minimum of £4,000 monthly revenue
  • Have a current bank account with a debit card
  • Not be in any insolvency arrangements
  • Not be under notice of redundancy

How can I apply?

1. Apply online or by phone by providing some personal information and details about your business including its revenue streams.
2. Once your application is complete, the Cubefunder technology will create a payment plan that matches your cashflow patterns.
3. Although repayments are set out at the beginning, if your business goes through a period of change you can restructure your plan at any time without incurring default charges.
4. Once approved for a loan, the funds will be transferred to your bank account.
5. Make repayments as agreed by debit card. You can also make additional payment through the website.

Cubefunder customer reviews

Cubefunder has received mixed reviews from its customers, according to customer review sites like TrustPilot and Google Reviews.

The lender currently has a TrustPilot rating of 4.4 out of 5, based on over 100 reviews (updated November 2023). Multiple Cubefunder customers who rated the lender below average complained that they were asked to provide “irrelevant” information and documentation for the loans that they were requesting.

However, on the flip side to this, 80% of reviewers who rated the lender the full 5 stars, stated that the service is “very speedy” and “highly flexible”, not mentioning being asked for extensive information.

On Google Reviews, Cubefunder currently has a rating of 4.2 out of 5 stars, based on over 35 ratings (updated November 2023). Like the TrustPilot reviewers, those who rated Cubefunder with low scores said that they were asked to provide a multitude of irrelevant information and found that the loans were slow. However, in contrast, those who rated the service highly, gave praise to the quick and simplistic nature of the lender, as well as the helpfulness of the team.

Customer support

To contact Cubefunder’s customer support, you can phone them on 020 3137 2417 or email at

The bottom line

So what’s the bottom line? Cubefunder is a good alternative to those businesses that have struggled to receive a loan from more traditional lenders and might experience peaks and troughs in revenue. With its fixed fee that gets added to your loan total and the flexible repayment model, you will be able to make an easier judgment of your business’s affordability. However, if your creditworthiness of your business isn’t quite perfect, you could be facing a higher fee than the advertised rate.

Alternative sources of funding

There are several types of business loan out there. The right one for your business will depend on how much you need and how long you want to borrow for. You should consider your options carefully before taking out a business loan.

  • Government startup loans. If you have a new business, you could borrow up to £25,000 at a low interest rate. You may also be eligible for a government grant.
  • Bank loans. Banks and building societies can lend you up to £250,000 over a term of 1 to 15 years. These loans are usually unsecured.
  • Short-term loans. These are offered over a few weeks or months and typically come with a higher interest rate than other types of borrowing. You could get a loan of up to £200,000.
  • Peer-to-peer loans. This is when your business borrows money from investors instead of from a financial institution. You could get a loan of up to £1 million.
  • Cash-advance loans. This option allows you to borrow money against your company’s future debit or credit card sales. You will pay a set fee rather than an interest rate.

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