Affordability-assessed flow
An affordability assessment up front means fewer dead applications and cleaner books.
Credit broker · FCA regulated · FRN 806333
The demand engine
behind UK
consumer lending.
Flux Funding runs a portfolio of consumer loan brands and the technology that powers them. Join the panel to receive affordability-assessed applications in real time - matched to the criteria you set, priced the way you choose.
REST API · real-time routing · sandbox before go-live
Distribution System
routingApplications / day
0
Consumer brands
0
Funding partners buying (30d)
0
FCA firm reference
806333
Figures reflect real platform performance, rounded. Data correct as of Tuesday 16 June 2026.
One platform · four front-door brands
Borrowers find us through our own portfolio of FCA-regulated consumer credit brands. Every application flows into one matching platform - and out to the panel.
The company
A technology business that happens to broker credit.
Flux Funding sits between borrower demand and lender supply. We acquire and qualify consumers through our own brands, then route each application to the lenders best placed to serve it. You see clean, consented, affordability-assessed applications - not raw clicks.
We're a credit broker, not a lender, so we're not competing for the same customer. Our only job is matching the right application to the right lender, fast.
Owned acquisition
Demand comes from brands we run and control - not bought-in lists - so quality and consent are managed end to end.
Real-time matching
A rules-and-data engine routes each application across the panel in milliseconds, by your criteria.
Affordability-assessed
An affordability assessment is applied before an application reaches you, with consented data captured at source.
Transparent economics
Clear commercials per accepted application or funded loan - agreed up front, reported in full.
The flow
From application to your decision, in one pass.
- 01
Apply
A consumer applies on one of our brands.
- 02
Assess
We validate the application, run an affordability assessment and de-duplicate.
- 03
Route
The engine matches it to lenders whose criteria it fits.
- 04
Decide
You accept, decline or price in real time, via API.
- 05
Fund
The customer is handed off and you fund - with full reporting back.
Size your slice
Set your criteria. See your reach.
Lenders control exactly what they receive across 109 application parameters - loan size, term, employment, residential status, affordability and DTI ratios among them. Adjust a few of these controls to get an indicative sense of the daily flow you could be matched against. Tighten or widen criteria at any time once you're live.
Employment
Residential status
Indicative matched / day
0
Share of daily flow
Indicative model, grounded in the last 7 days of real application data. Not a forecast or a commitment of volume - actual matching depends on live demand, your full criteria and panel competition. Data correct as of Tuesday 16 June 2026.
Integration
API-first. Live in days, not quarters.
- ▸ REST API for real-time offers, or a hosted post if you prefer.
- ▸ Full sandbox with test applications before you go live.
- ▸ Webhooks for status, acceptance and funding events.
- ▸ Dashboards and scheduled reporting on volume and conversion.
POST /v1/offers
// application routed to your endpoint
{
"application_id": "flx_8f3a21c9",
"brand": "paydayuk",
"requested": { "amount": 1200, "term_months": 18 },
"applicant": {
"affordability": "pass",
"employment": "employed",
"monthly_income": 2400,
"monthly_disposable": 760
},
"consent": { "marketing": false, "share_with_panel": true }
}
// your real-time decision
{
"decision": "offer",
"product": "personal_loan_v2",
"offer": {
"amount": 1200,
"term_months": 18,
"apr": 39.9,
"monthly_repayment": 88.34
},
"valid_for_seconds": 900
}
Why lenders join
Demand you can actually underwrite.
You set the rules
Control loan size, term, geography, applicant profile and daily volume - and change them whenever you like.
Price your own risk
Return your own offer and APR per application. We route; you decide and price - including any checks you run your side.
No wasted spend
We carry the acquisition cost and risk. You pay only on the terms agreed for matched business.
Compliance-first
Built around Consumer Duty and responsible lending, with consented data and clear audit trails.
A partner, not a feed
Ongoing optimisation with our team to tune criteria, conversion and the mix that works for you.
In good company
Some of our lending partners
A selection of the established UK lenders we work with across the panel.
Logos are the property of their respective owners and shown to illustrate existing panel relationships.
Compliance & data
Regulated, by design.
Working with a regulated, technology-led broker reduces your conduct and data risk. Every application is consented, affordability-assessed and traceable.
- FCA authorised
- Credit broker authorised and regulated by the Financial Conduct Authority (FRN 806333).
- Consumer Duty
- Processes built to deliver good outcomes and avoid foreseeable harm.
- Data protection
- UK GDPR compliant, ICO registered, with consent captured at source.
- Responsible lending
- An affordability assessment is applied before an application is routed.
For lenders
Questions before you join
Through our own portfolio of FCA-regulated consumer credit brands - PaydayUK, Sunny, The Money Shop and New Horizons. Because we control acquisition, applications arrive consented, de-duplicated and affordability-assessed rather than bought in from third parties.
No. Flux Funding runs an affordability assessment on each application - we don't perform credit-bureau searches. You apply your own credit policy, scoring and any searches on your side when you receive the application, so there's no duplicate footprint and full control stays with you.
A real-time engine matches each application to the lenders whose criteria it fits. You receive only what matches your rules and your set volume, and you respond with an accept, decline or priced offer.
Commercials are agreed up front - typically per accepted application or per funded loan - and reported transparently. There's no acquisition spend on your side; we carry that.
Most lenders integrate via our REST API against a sandbox, then switch to live once tested. A hosted post option is available if you'd rather not build to the API initially.
Yes. You set daily caps and criteria, and can widen, tighten or pause at any time - useful for managing appetite, funding lines and seasonality.
Put our brands to work for your book.
Tell us your criteria and appetite. We'll share volume, commercials and a sandbox to test against.