Yorkshire SME lending down 12% H1 2024 UK SME funding gap: £22 billion annually 90% of investment applications rejected Yorkshire captures only 15% of UK equity deal flow FCA targets SME finance as #1 Leeds priority 5.5M SMEs in UK — 99.9% of all businesses Only 1 in 3 SMEs get bank loans they apply for CFIT + Lloyds + HSBC building SME credit dashboard UK SME lending market: £150bn annually 60% SMEs unaware of finance options available Yorkshire SME lending down 12% H1 2024 UK SME funding gap: £22 billion annually 90% of investment applications rejected Yorkshire captures only 15% of UK equity deal flow FCA targets SME finance as #1 Leeds priority 5.5M SMEs in UK — 99.9% of all businesses Only 1 in 3 SMEs get bank loans they apply for CFIT + Lloyds + HSBC building SME credit dashboard UK SME lending market: £150bn annually 60% SMEs unaware of finance options available
SME news
British Business Bank: Yorkshire the only region with declining SME lending FinTech North Leeds 2025: FCA opens innovation sandbox to regional fintech startups CFIT coalition: Mastercard, Lloyds, HSBC launch SME credit dashboard initiative FCA Leeds Growth Sprint: SME access to finance named as primary barrier to Northern growth ONS Q1 2025: Leeds SME sector employs 340,000 people across Yorkshire Oliver Wyman report: North of England loses £2.3bn annually due to SME funding gap British Business Bank: Yorkshire the only region with declining SME lending FinTech North Leeds 2025: FCA opens innovation sandbox to regional fintech startups CFIT coalition: Mastercard, Lloyds, HSBC launch SME credit dashboard initiative FCA Leeds Growth Sprint: SME access to finance named as primary barrier to Northern growth ONS Q1 2025: Leeds SME sector employs 340,000 people across Yorkshire Oliver Wyman report: North of England loses £2.3bn annually due to SME funding gap
Now live for Leeds SMEs

Your business
deserves to be
investable.

Get your free financial health score in 8 minutes. Know exactly what's holding you back from investment — and what to fix first.

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Trusted by Leeds businesses in
F&B Tech Manufacturing Health
AR days reduced from 62 → 31
Score up +14 pts this month
John's Bakery Leeds
Food & beverage · 12 employees
Investable
72
Investable score
Eligible: £150k–£300k
+6 pts from last month
Cash flow
78
Profitability
71
Working capital
58
Management
45
Top action: reduce AR days to 30
Unlocks £300k–£500k funding tier
£22bn
UK SME funding gap
5.5M
SMEs in the UK
90%
investment applications rejected
8min
to your Investable score
Informed by data from leading institutions
British Business Bank FinTech North Oliver Wyman FCA Leeds Leeds Beckett University Yorkshire & Humber Chamber
SME market intelligence

Why Yorkshire SMEs
need this now

Feature report

Yorkshire is the only UK region where SME lending is declining — and investors are looking elsewhere

British Business Bank data for H1 2024 reveals a stark picture: Yorkshire and Humberside recorded negative SME lending growth at a time when every other UK region was growing. Meanwhile, Yorkshire captures just 15% of UK equity deal flow despite hosting 50% of all SMEs.

British Business Bank H1 2024 Regional Report
Policy
FCA names SME access to finance as core barrier in Leeds Growth Sprint
FCA Innovation Office · 2025
Investment
CFIT coalition with Mastercard & HSBC launches SME credit dashboard initiative
CFIT · April 2025
Data
60% of UK SMEs cite lack of awareness of finance options as primary barrier
British Business Bank · Survey 2024
How it works

From form to funded
in three steps

No jargon. No spreadsheets. Just clear answers about your business in plain English.

01
Complete your 8-minute health check
Answer 30 plain-English questions about your revenue, cash flow, debt, and governance. No accounting degree needed. Or connect Xero for instant auto-fill.
02
Get your 8-dimension investability score
Instantly see your score across cash flow, profitability, revenue quality, financial structure, working capital, resilience, management quality, and ESG readiness.
03
Follow your prioritised action roadmap
Get specific, ranked actions to improve your score. Use the simulator to see exactly what each improvement unlocks in funding capacity — before you do anything.
The scoring framework

8 dimensions that
investors actually look at

Every dimension is explained in plain English, benchmarked against Leeds sector averages, and comes with a specific action to improve it.

78
20%
Cash flow health
"Can you pay bills next month?"
71
18%
Profitability
"Is the business making real money?"
68
15%
Revenue quality
"Is your income reliable?"
62
15%
Financial structure
"Is your business funded wisely?"
58
12%
Working capital
"How fast does cash flow through?"
74
10%
Revenue resilience
"Can you survive a bad month?"
45
8%
Management quality
"Do you run it like a proper business?"
38
5% — new
ESG readiness
"Are you a responsible business?"
Leeds SME health index

Real businesses,
real scores

These anonymised profiles show how Investable scores businesses across sectors. Every score is calculated from live data — not estimates.

John's Bakery Leeds
Food & beverage · LS2
72
Investable score
£150k–£300k eligible
Cash flow
78
Profitability
71
Working capital
58
Investable
Vitality Health Clinic
Health & wellness · LS6
88
Investable score
£300k–£500k eligible
Cash flow
91
Rev quality
86
ESG
78
Top tier
NorthCraft Manufacturing
Manufacturing · LS10
54
Investable score
Working towards £50k–£150k
Cash flow
61
Structure
38
Management
44
In progress
Built for everyone in the ecosystem

One platform,
three journeys

SME owners
For business owners who want to understand their financial health and attract the investment they deserve.
Free 8-dimension health score
Monthly score updates with Xero sync
Prioritised action roadmap
3-year financial projections
Visible to matched investors when score ≥60
Get your free score →
Investors
For angel investors, family offices, and fund managers looking for pre-screened Yorkshire SME deal flow.
Matched SME deal flow by sector & score
8-dimension financial health verified
Filter by score, sector, location, funding need
Direct contact with investable SMEs
Yorkshire benchmark data & sector reports
Apply to join →
Accountants & advisors
For accountants who want to deliver real-time financial health visibility to all their SME clients from one dashboard.
Manage all client SME scores in one view
Personal referral link — earn per client signup
Alert when client score drops significantly
Coming soon: Xero client data aggregation
Become a partner →
Xero & QuickBooks integration
Connect your accounts.
Skip the form.

Link Investable to your accounting software and your financial health score updates automatically every month. No manual input. No outdated data.

Connect Xero — coming soon
1
Click "Connect Xero" — you're redirected to Xero's secure login. Investable never sees your password.
2
Approve access in Xero — select which data Investable can read. You stay in control.
3
Your dashboard auto-populates — revenue, COGS, AR, AP, cash balance, all pulled live. Score updates monthly.
4
Watch your score move in real time — as your business improves, your investability score improves too.
Simple, transparent pricing

Start free.
Grow with confidence.

Every plan includes your core health score. Upgrade to unlock continuous monitoring, projections, and investor visibility.

SME — starter
Free check
One-time assessment to understand where your business stands today.
£0
8-dimension health score (once)
Funding eligibility estimate
Top 3 improvement actions
Leeds sector benchmark
Most popular
SME — growth
Monthly dashboard
Continuous monitoring, projections, and full investor visibility.
£49/month
Everything in Free, updated monthly
Xero / QuickBooks auto-sync
3-year financial projections
Score simulator — "what if" scenarios
Visible to matched investors (score ≥60)
Full 8-tab dashboard with ESG & governance
Investor
Deal flow access
Pre-screened Yorkshire SME deal flow with verified financial health data.
£199/month
Access to all investable SME profiles
Filter by sector, score, location, funding need
Full 8-dimension verified reports
Direct contact with SME owners
Monthly Yorkshire SME health report
What Leeds businesses say

The numbers don't lie.
Neither do our users.

★★★★★
"I didn't know what AR days were before Investable. Now I know mine are 62 — and exactly what that's costing me. We're fixing it this quarter."
SB
Sarah B.
Owner, independent bakery · Leeds LS4
★★★★★
"Went from a score of 54 to 71 in three months by following the roadmap. Just got a meeting with a Yorkshire angel investor. Would never have known where to start."
MT
Marcus T.
Founder, digital agency · Leeds LS1
★★★★★
"As an accountant, I refer all my SME clients here. The benchmark data against Leeds sector averages is genuinely useful in client conversations. Nothing else does this."
JH
James H.
Chartered Accountant · Leeds

Your business is ready
to be investable.

Join Leeds SMEs who know their score, understand their gaps, and are taking the right steps to attract the capital they deserve.

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