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
Assessed is not the same as placed, and the gap between those two numbers is the work. Most of what comes in is read, weighed and talked through before anything reaches a lender, and a case only goes out when it is ready to.
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 lender will take a case and what they need to see before they will.
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 is the part most brokerages cannot say once they are past a certain size.
Behind that sits our own operation. Credit assessment, research and engineering run through a company we own outright, on our own premises and our own contracts, rather than a supplier we buy from. It is the reason the technology on this site exists at all, and the reason the record behind it is ours rather than rented.
Eight years, three thousand cases read, six hundred and fifty 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 lender 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.
That assessment is finished before any commercial decision is taken about the case. The financial read and the commercial judgement are held apart by design, so the assessment is not shaped by wanting to place the deal.
Cases that do not clear it are not submitted.
That is why our submissions are taken seriously, and it is not relaxed 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, placement. The separation is deliberate and it is what keeps each one honest.
Client relationships, deal structuring and every lender 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
- Automotive
Our largest sector. Stocking finance, forecourt cycles, and why a dealership’s balance sheet reads far worse than the business behind it. Most lenders get that wrong. Knowing which ones do not is the whole difference between a decline and a completion.
- 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.
- 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. No search that leaves a mark on your file without telling you first.
Credentials
Eight years of completed and declined cases, and a direct line to the person assessing yours.