LoanTube partners with Cubefunder to power smart SME lending

By Vriti Gothi

LoanTube has partnered with Cubefunder to transform access to finance for UK small and medium-sized enterprises (SMEs), delivering a lending experience that is both digitally advanced and deeply personal.

The integration sees Cubefunder become part of LoanTube’s extensive network of over 50 lenders, enabling real-time matching of SMEs with pre-qualified, tailored loan offers via LoanTube’s AI-powered decisioning engine. This partnership directly addresses the UK’s $25.8 billion SME funding gap, reinforcing both firms’ shared mission to make capital access more transparent, efficient, and inclusive.

“Our partnership with Cubefunder combines our proprietary AI-powered technology with a human touch,” said Gurprit Singh Gujral, Founder and CEO of LoanTube. “Whilst faster lending decisions are important, it’s also important to build trust and Cubefunder’s approach of meeting business owners where they are is helping them secure the finance they need to grow with confidence.”

Cubefunder’s lending model is designed to balance speed with empathy. Each application involves a personal visit from a Cubefunder representative before approval, reflecting the company’s belief that lending decisions should be relationship-driven as well as data-driven. Once approved, funds are typically released within 24 hours, helping businesses act quickly on new opportunities.

“At Cubefunder, we’re always looking to partner with forward-thinking platforms that share our commitment to supporting SMEs, and LoanTube is a perfect example of that,” said Gary Miller-Cheevers, CEO of Cubefunder. “This integration makes it even easier for brokers and businesses to access the funding they need, quickly and transparently. We’re proud to be working together and excited to see how this partnership continues to grow.”

The collaboration strengthens LoanTube’s position at the forefront of ethical, data-driven finance, aligning technology innovation with financial inclusion. By combining open banking data, real-time analytics, and AI-driven matching, LoanTube delivers dynamic borrower profiles that reflect real-world performance, analysing turnover, cash flow, and volatility to provide accurate pre-qualified offers, even for thin-file or early-stage firms.