Automotive
Our largest sector. Stocking finance, forecourt cycles, and why a dealership’s balance sheet reads far worse than the business behind it.
The firmAbout
About
A UK brokerage with its own credit assessment, its own technology, and its own operation behind it.
Unsecured working capital for UK limited companies. Bridging and portfolio facilities for property investors and developers. Credit, research and engineering across a London desk and our own international operation.
Trading since 2018
£200m+of funding requirements assessed
£22.6m+placed with lending partners
3,000+funding applications reviewed since 2018
650+completed facilities
96%of clients who return for a second facility are funded again
86%of our business comes from referral and direct relationships
Assessed is not the same as placed, and the gap between those numbers is the work. Most cases are read, weighed and talked through before anything reaches a lending partner, and a case goes out only when it is ready.
Who we are
Funding11 arranges commercial finance for UK limited companies: unsecured working capital, and bridging and portfolio facilities for property investors and developers. We do not lend. We know which lending partner will take a case and what they need to see.
Founded and led by Jhanzaib Nemat, known to clients as Jaz, a member of the Institute of Directors. Every case is read by the person who will place it, which most brokerages cannot say once they grow.
Behind that sits our own operation. Credit assessment, research and engineering run through a company we own outright, on our own premises and contracts, not a supplier. That is why the technology on this site exists and why the record behind it is ours.
Eight years, three thousand cases read, 650+ completed, almost none of it advertised. The work has come from businesses that came back and the people they told.
The standard we apply
No case reaches a lending partner until it has been assessed internally.
Bank statements read properly. Real trading turnover against stated turnover. Revenue consistency, existing exposure, repayment behaviour, account conduct. Whether the business services what it already carries, and what it can carry on top.
The financial read and the commercial judgement are held apart.
The assessment is finished before any commercial decision is taken, so it is not shaped by wanting to place the deal.
Cases that do not clear it are not submitted.
That is why lending partners take our submissions seriously, and we do not relax it for a case we would like to do.
Where the judgement comes from
A lender’s published criteria describe what it says it does. Eight years of recorded outcomes describe what it does. They are not the same document.
Three thousand assessed cases and six hundred completions tell you which partner approves which profile, at what size, on what evidence. Which declines were structural and which were presentation. What kills a submission before it is sent.
That record is ours, it compounds with every case, and Foresight is built directly on it.
They are not the same document.A lender’s published criteria describe what it says it does. Eight years of recorded outcomes describe what it does.
How the business is built
Three functions, held separately: assessment, structuring and placement. The separation is deliberate and keeps each one honest.
Client relationships, deal structuring and every lending partner interaction sit with the London desk and stay there.
Behind it, research, data and software engineering run through our own international operation, on our own premises and our own contracts. It is capability we own rather than a supplier we use, and it is being expanded as the build programme runs.
The technology
What we run, we build. Nothing is licensed, white labelled or bought in.
Foresight is the first of it to reach clients. It takes eight years of completed and declined cases and puts a real cost in front of a business owner before a conversation happens.
More is in build. Every completed case adds to the record those products read from, which is the part that cannot be bought.
What we know cold
Logistics
Contract work for the national carriers, and the gap between the job being done and the money arriving.
Retail
Supplier terms, stock cycles, and the seasonal pressure sitting on both. Stock costs money before it earns any.
Construction
Late payment down the chain, and retentions held by someone else while wages are still due.
We fund businesses across most sectors. These four we know from the inside.
How we work
Direct access to the people running your case throughout. You are told where it actually is, including when it is going badly.
Where the right answer is to wait, you are told that, and told what would change it. There is no commission in that conversation.
Documents requested once. Where a lending partner searches at submission, we tell you first.
Eight years of completed and declined cases, and a direct line to the person assessing yours.