Funding when the bank takes too long
We introduce UK businesses to lenders on our panel for £5,000 to £1,000,000. You see the numbers before any application.
iwoca and Funding Circle are FCA authorised. Merchant cash advance products are not FCA regulated.
Business funding currently available for Ltd and LLP businesses
CapExpand Ltd · Company No. 14433858 · ICO ZB789649 · Annesley, Nottingham
What we cover
We are not a one-product shop. Each product has its own plain-English guide; pick the one that fits and we introduce you to the lenders on our panel best placed to do it.
- Working capitalCash for stock, payroll and the day-to-day.
- Merchant cash advanceA fast advance repaid as a share of card takings.
- Business loansBorrow a lump sum, repay monthly, secured or unsecured.
- Asset financeVehicles, plant and machinery without paying cash up front.
- Invoice financeRelease cash tied up in unpaid invoices.
- VAT & tax fundingSpread a VAT, Corporation Tax or PAYE bill.
- RefinancingConsolidate or restructure existing borrowing.
- Commercial mortgagesBuy or refinance the premises you trade from.
- Bridging financeShort-term property money at speed.
- Development financeA build or major conversion, drawn in stages.
- Buy-to-let mortgagesRental property held in a limited company or SPV.
- Property financeThe umbrella guide if you are not sure which product yet.
- Buying a businessAcquisition finance for a company or a competitor.
- MBO & MBIFunding for a team to buy in or buy out.
Who could fund your business?
The lenders we introduce most business to. All require a personal guarantee. Beyond these, our introducer network gives us access to a wide panel of lenders beyond those shown here for cases that need something different.
YouLend
365 Finance
iwoca
Capify
Funding CircleTrustpilot ratings as at May 2026, from each lender's public profile.
How the process works
A simple four-step process with clear updates at each stage.
Submit your details
Complete a short form with your business details and funding requirement.
We check your details
We look at your profile and introduce you to lenders from our panel that may be suitable.
Your account manager explains your options
Your dedicated account manager walks you through the costs, repayment terms, and what to expect. One fixed fee agreed upfront - no compounding interest, no surprises.
Funds land in your account
Once accepted, many lenders advertise same-day payout, with funds commonly arriving within days. You repay a small percentage of your daily card sales - quiet days, you pay less.
“We needed £30K for Christmas stock. Alex called back the same afternoon and we had the money in three days.”
Tom M. · Hospitality · Manchester
Recently funded
Real clients, published with their permission. Read the full stories.
Bistro, Manchester
Christmas stock and extra staff
Money in the account in 3 days
Shop, East London
Stock expansion after the bank said no
Approved within 48 hours
Florist & wedding stylist, Mansfield
Stock and cash flow through the quiet months
In the bank within 24 hours
Got a specific question? See our funding FAQs.
Ready to discuss your options?
2-minute form. Soft credit check. Many lenders advertise 24-hour decisions, with funds following within days.
CapExpand Ltd (Company No. 14433858) is a commercial finance introducer, not a lender. We are not currently authorised or regulated by the Financial Conduct Authority and do not provide financial advice. All information on this page is for educational purposes only. Funding is subject to status and lender criteria. CapExpand will receive a commission from providers at no extra cost to you.