CapExpand is a UK commercial finance introducer based in Nottinghamshire. We introduce small and medium-sized businesses to established lenders on our panel for funding between £5,000 and £1,000,000, including merchant cash advances, revenue-based finance, and short-term business loans. Separately, we are an authorised Dojo card machine partner offering payment terminals with next-day payouts. Our funding introduction service is free to businesses - we are paid by lenders on successful introductions. We are not a lender or financial adviser. CapExpand is not authorised or regulated by the FCA.

How quickly can I get business funding?

Most applications are approved within 24 hours. Once approved, funds typically arrive in your bank account within 2-3 business days. We only need your last 3 months of card processing statements to get started.

Do you do credit checks?

We only perform soft credit checks which don't affect your credit score. Our funding partners focus primarily on your card sales revenue rather than your credit history. Even if you have poor credit, you can still qualify based on your monthly card turnover.

How much can I borrow?

You can typically borrow 1.2x to 2.5x your monthly card sales. For example, if you process £20,000 in card sales per month, you could qualify for £24,000 to £50,000. Use our calculator above for an instant estimate.

How do your rates compare?

We compare options from multiple lenders on our panel to find competitive rates suited to your business. The rate you receive depends on your turnover, trading history, and the lender's own assessment. We present the options so you can make an informed decision.

How do repayments work?

Repayments are automatic - a small percentage (typically 10-20%) of your daily card sales. On busy days you repay more, on quiet days you repay less. This flexibility means your repayments adjust naturally with your business cash flow.

High-Street first

Card machines,

sorted properly.

Your dedicated account manager handles everything from application to setup.

Speak to us

Soft credit check only · Decision in 24 hours · Established UK lenders

Business funding currently available for Ltd and LLP businesses

Kelly, a CapExpand customer, smiling outside her flower shop

£0M+

Funded for UK businesses

Businesses funded

Approval rate

72h

Application to funding

NACFB
Assured

Lender panel

What we actually do

One point of contact

Your dedicated account manager handles everything - whether that's setting up card machines or finding funding.

Tailored to your business

We look at your turnover, your industry, and what you actually need. No one-size-fits-all packages.

Plain English, no surprises

Every cost, rate, and term explained clearly before you commit to anything.

Ongoing support

We don't disappear after the sale. Your account manager is a phone call away.

Dojo Authorised Partner

Dojo card machines

Free rental on bespoke plans. Next-day delivery. We handle the entire switch.

Customer making a contactless payment on Dojo

Free rental on bespoke rates

We negotiate your rate based on turnover. No setup fees, no lock-in.

Business intelligence built in

See what sells, when your peak hours are, and how you compare to similar businesses.

Next-day payouts as standard

Money from card payments hits your account the next business day.

Build Me a Package

“We needed £30K for Christmas stock and the bank couldn't move fast enough. Alex called me back the same afternoon, explained what the repayments would look like, and we had the money in three days.”

Tom M.

Hospitality · Manchester · £30K funded

How much can you borrow ?

Get an instant estimate based on your monthly card sales. Soft credit checks only, no obligations.

Monthly Card Sales

£17.5k

£3k£200k

Your funding range

Minimum:£21,000

Maximum:£43,750

Typical Amount:£32,375

Apply Now

Currently available for incorporated businesses (Ltd/LLP).

* Estimate only. Actual amount depends on your business profile and lender approval.

Frequently Asked Questions

Quick answers to common questions about business funding

See all FAQs

Check what you could access

2-minute form. No hard credit check. A dedicated account manager reviews your details and gives you a call.

CapExpand is a commercial finance introducer, not a lender. Soft check only · Free service · Established lender panel

Check your options Speak to us