AI consulting that leads to funding
LendX is AI consulting that leads UK SMEs to the right route for funding. We diagnose your business, build a credible business plan, financial model and shareable report — then match you on a whole-of-market basis to lender, funder, grant or alternative. Only the routes that fit your case.
The Business Health Engine
AI-driven readiness assessment — an honest view of business health, sector fit, and the planning and evidence gaps that hold funding back.
Investor- and bank-ready business plan grounded in your real numbers — strategy, market, operations and risks. Not boilerplate.
Three-year P&L, cashflow and repayment, with DSCR, current ratio, debt-to-equity and break-even — built on the same numbers the plan is built on. Lenders read it because the numbers tie.
A consolidated due-diligence-ready narrative that pulls the plan, model and readiness evidence into one shareable document a buyer or lender can read in minutes.
Once readiness is built, we route the business to lender, funder, grant or alternative route the case fits — never defaulting to the visible provider. Human-led deal structuring closes the loop.
Why LendX
Most businesses only look for funding when the need has already arrived. The loan gets shopped while the contract, the equipment, or the property is already on the line. LendX starts earlier. We diagnose business health first, then identify the planning and evidence gaps that hold lenders back, and we improve readiness before the commercial clock starts ticking.
When the readiness case is built, we share the business on a whole-of-market basis — banks, challenger lenders, invoice factors, asset-backed funders, grant programmes and alternative routes — and we don't default to the most visible provider. Human-led deal structuring only happens once the readiness evidence is in place, because structuring without readiness is what gets deals declined.
Ready, needs work, or not suitable yet. No implied approval, no guaranteed funding. We tell you where the gaps are so you can close them before you shop the deal.
We replace "default to a bank or the most visible provider" with a search across lenders, funders, grants and alternative routes that fit the actual case in front of us.
A specialist structures the deal once the readiness evidence is built and the route has been chosen. Our team leads the human work; the engine leads the diagnostics.
The funding-readiness journey
Honest diagnostic of business health, sector fit, evidence gaps; close what holds funding back.
Bank- and investor-ready business plan grounded in real numbers, not boilerplate.
Three-year P&L, cashflow and DSCR model, plus a consolidated Business Report a lender or buyer can read in minutes.
Whole-of-market match to lender, funder, grant or alternative; human-led deal structuring once the case is ready.
LendX is the consulting-first route to the right funding. We diagnose, plan, model and report — then match you on a whole-of-market basis to lender, funder, grant or alternative. The next step is a funding-readiness consultation, not a loan proposal.
Already been through a readiness review?
If you've already had a funding-readiness consultation with us and want to submit an application, continue below. If not, the faster path is the funding-readiness consultation.