Business funding,
sorted properly.
We introduce UK business owners to funding from £5K to £1M. A real person checks your details, outlines what's available, and supports you through to payout.
Soft credit check only · Decision in 24 hours · FCA-regulated lenders
What we actually do
An introducer, not a marketplace
We don't just send your details to a list of lenders. A real person checks your details and introduces you to lenders that may be suitable - based on your turnover, trading history, and what you need the money for.
Repayments that flex with your sales
You repay a small, fixed percentage of your daily card sales. Quiet week? You pay less. Busy week? You pay more. There's a single fixed fee agreed upfront - no compounding interest, no surprises. As one business owner put it: "No surprise charges, and their fees are easy to understand."
Funded in as little as 24 hours
Once approved, funds can land in your account the same day. We regularly see businesses go from application to money in the bank within 72 hours. One client said: "Applied today and within 2 hours the money was in my account."
One person explains everything
Your dedicated account manager walks you through the costs, the repayment terms, and what to expect. No jargon, no hidden fees, no handoffs. Businesses come back to us two, three, four times because the process is simple and the terms are clear.
We're not a lender.
CapExpand is a credit introducer. We don't lend money, set rates, or make credit decisions. We introduce you to FCA-regulated lenders who do. That means we work for you, not the lender. Our job is to find you the best fit, explain the costs clearly, and make sure you're comfortable before you sign anything.
How it works
Fill in a short form
Takes about 2 minutes. We need your monthly card sales, how long you've been trading, and how much you're looking for.
We check your details
We look at your information and introduce you to lenders from our panel that may be suitable.
Your account manager calls you
Not a call centre. Your dedicated CapExpand account manager walks you through what's available, outlines the costs, and answers any questions before you decide.
Get funded
Once you accept an offer, funds typically land in your account within 1-3 working days.
From the founder
“I started CapExpand because I saw businesses getting messed around by brokers who didn't explain the costs, didn't call back, and didn't care. We do things differently. I personally review every application that comes through. If we can help, I'll tell you exactly how. If we can't, I'll tell you that too.”
Alex Beardsley
Founder, CapExpand
What our customers say
Names shortened for privacy. Shared with permission.
We needed £30K for Christmas stock and I was worried about getting it sorted in time. Alex called me back the same afternoon, explained exactly what the repayments would look like, and we had the money in three days. Dead straightforward.
“I'd been turned down by my bank and wasn't sure where else to go. CapExpand got me approved with a different lender within 48 hours.”
“What sold me was that they actually listened. I explained our quiet season problem and they found us a merchant cash advance where repayments drop when takings drop.”
Funded stories
Real businesses we've helped
The Christmas Rush
“We had the money in three days.”
After the Bank Said No
“Approved within 48 hours.”
The Quiet Season Problem
“Repayments that flex with the seasons.”
What businesses actually spend it on
Real examples from businesses we've introduced to funding. The money goes straight into growth.
Outdoor tables, chairs, and branded umbrellas ahead of a busy summer
Hospitality
Top-of-the-range commercial kitchen equipment
Restaurant
Garden makeover and exterior renovation to attract walk-ins
Cafe
Stock for peak season to avoid selling out over Christmas
Retail
Shopfront refurbishment and new signage
Salon
Second delivery van and equipment for a new service area
Trades
We introduce you to established UK lenders + many more
See what you could borrow
Slide the bar, see the number. No credit check, no commitment, no salesperson jumping on you.
How Much Can You Borrow?
Get an instant estimate based on your monthly card sales. Soft credit checks only, no obligations.
Your Funding Range
Decision in 24 hours
Funds in 2-3 business days
Personal guarantee required
Better rates than going direct
Our introducer relationships secure preferential rates that aren't available through direct applications. Average 15-25% cheaper factor rates.
* This is an estimate only. Actual funding amount depends on your business profile and lender approval. Representative example: £20,000 advance with 1.4 factor rate = £28,000 total repayment. 15% of card sales = ~9 month term.
We also help with
Your protection
FCA-regulated lenders
Every lender on our panel is regulated by the Financial Conduct Authority. We don't work with unregulated providers.
Soft check only
Your initial assessment uses a soft credit check that doesn't appear on your credit file. No impact on your credit score.
Data stays private
Your information is encrypted, stored securely, and never sold or shared for marketing. We only share with lenders you've agreed to.
Check what you could access
2-minute form. No hard credit check. A dedicated account manager reviews your details and gives you a call.