Business finance from 200+ UK lenders, arranged for you.
£5,000 to £25 million across loans, asset finance, invoice finance, cash advances and commercial property. Free to use, a soft check only, and one named contact from first call to payout.
2-minute form · Soft credit check only · Callback within one working day, usually within a couple of hours
- Financial Conduct Authority
- CapExpand Ltd (FRN 1060885) is an Appointed Representative of White Rose Finance Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630772). Check the register
- Company
- CapExpand Ltd, Companies House 14433858. ICO registration ZB789649. Pure Offices, Annesley, Nottingham. Company details
- Reviews
- Rated 4.9 out of 5 on Trustpilot from 77 reviews. Read them
- Lender panel
- 1,800+ products across eight categories, every lender named, checked September 2026. See the panel
- HSBC
- Barclays
- Lloyds
- NatWest
- Metro Bank
- Atom Bank
- Aldermore
- Shawbrook Bank
- Allica Bank
- OakNorth Bank
- Investec
- Paragon Bank
- Close Brothers
- Together
- United Trust Bank
- LendInvest
- Novuna
- Siemens
- Bibby
- ThinCats
- Bizcap
- Nucleus
What we arrange
Pick the one that fits. Each page tells you the typical amounts, terms, speed and who it suits, before you enquire.
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Why borrowers use a broker
The market has moved away from the high street. What the numbers say, and what each one means for your application. Every figure as published, with its source.
- 40%
- of SME bank loan applications are declined
- £68bn
- lent to smaller UK businesses by banks in 2025
- 96%
- of asset finance applications succeed
- 50%
- of smaller businesses use external finance
A no from one lender is not a no from the market.
BVA BDRC, survey data to 2024 and Q2 2025
The money is there. The job is finding the lender whose criteria you fit.
British Business Bank, published March 2026, 2025 data
The product shape changes your odds more than the amount does.
BVA BDRC, survey data to 2024 and Q2 2025
Borrowing to grow is normal, not a sign of trouble.
British Business Bank, published March 2026, 2025 data
of SME bank lending in 2025 came from challenger and specialist banks
Your own bank is now a minority of the market. Our panel covers the lenders a branch will never mention.
39% in 2012
Source: British Business Bank, Small Business Finance Markets 2025/26, published March 2026, 2025 data. Quoted as published.
- Asset financeAsset finance96%
- OverdraftsOverdrafts61%
- Bank loansBank loans (all SMEs)60%
Two in five bank loan applications fail, while asset finance succeeds almost every time because the kit is the security. Fitting the product to the need is the first thing we do with your enquiry.
Source: BVA BDRC, SME Finance Monitor, survey data to 2024 and Q2 2025. Quoted as published.
How we handle your case
A named case handler takes your enquiry, checks it against the panel and stays with it until the money lands. No handovers between departments, and no queue.
- No fee to you. If a deal completes the lender pays us a commission, and we tell you the amount on request.
- Nothing goes to a lender until you have seen it and said yes. We never hold client money.
- Our credit broking is overseen by White Rose Finance Group Limited, our FCA-authorised principal.
- If we cannot help, we say so on the first call.
How it works
Step 1
Tell us what you need
Two minutes on the form, or a call. What the money is for, roughly how much, and how you trade.
Around half of smaller UK businesses use external finance. You are in good company.
British Business Bank, 2025 data
Step 2
We check the criteria
Your figures against the panel before anything is sent. Only lenders whose criteria you fit ever see your case.
Roughly two in five bank loan applications are declined. Matching criteria first is how we keep you out of that number.
BVA BDRC, SME Finance Monitor
Step 3
You compare the offers
Cost, term and the personal guarantee, side by side, explained by a named case handler. No advice. Your decision.
Six in ten pounds of SME bank lending now come from challenger and specialist banks, not the high street.
British Business Bank, 2025 data
Step 4
Funds land
Often within days for unsecured products, weeks where a property needs valuing. We stay on it until the money is in.
About 96% of asset finance applications succeed. Where the security is clear, lenders move quickly.
BVA BDRC, SME Finance Monitor
Free to use · No obligation · Soft check only
“After the initial paperwork, I believe it was in the bank within 24 hours. I pay it back on a daily basis and I kind of feel like I don't miss it.”
@capexpand_
Reels
Questions people ask before they call
Straight answers on status, cost, credit checks and timing.
Check what you could access
2-minute form. Soft check only. A named person calls you back within one working day, usually within a couple of hours.
CapExpand is a commercial finance broker, not a lender. We also supply Dojo card machines as a separate service: card machines.