How CapExpand works

What we are, and what we are not

Being straight about this matters, to you and to the lenders who put their name next to ours. We do not hide the model.

We work with UK limited companies and LLPs only, for business and commercial purposes.

The lender panel

We have access to a range of UK commercial finance lenders through our principal, White Rose Finance Group Limited. The products run from unsecured and secured loans through asset finance, invoice finance, commercial mortgages and buy-to-let to bridging and development finance. The mechanics matter more than the list. We do not spray your application across the panel; we run your case against lender criteria first and approach only the ones whose box you genuinely fit, which protects your credit file and our relationships with lenders. Panel composition changes over time.

The products behind that sentence: unsecured and secured business loans, asset finance, invoice finance, commercial mortgages, buy-to-let, bridging and development finance, each with its own lenders on the panel.

Reading criteria before approaching anyone is the part that does the work. Lenders differ on adverse credit, on how long a business must have traded and on whether a director must own a home, and knowing where each one draws those lines is what stops an application going somewhere it was always going to fail.

A list of lenders on its own tells you nothing about cost, and neither does a range drawn across many products: the lender sets your price on your own figures, and we show the costs each lender provides so you can compare them before you decide.

How we are paid

We will receive commission from lenders. We think you should know how that works rather than wonder about it, so here are the models we work under.

Different lenders pay different amounts depending on different commission models. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.

Our process

Track record

Businesses we introduce complete business loan deals with lenders on our panel, and we introduce clients to specialist lenders on the panel for asset, property, invoice and acquisition finance. We cover the full range of business funding rather than a single product.

Real reviews from businesses we have helped are on our Trustpilot, and more on our case studies and testimonials pages.

Compliance and your protections

• Registered company. CapExpand Ltd, Company No. 14433858, registered in England and Wales at Pure Offices, Lake View Drive, Annesley, Nottingham, NG15 0DT.
• Data protection. Registered with the ICO under reference ZB789649. Your details go to the lenders or providers relevant to your enquiry and to our own case system. See our privacy policy.
• Complaints. If something goes wrong, our complaints process sets out how we handle it: a complaint about the finance we arrange goes to our principal and is handled under its procedure. Where a complaint concerns a lender, it has its own procedure and you may, depending on eligibility, be able to escalate to the Financial Ombudsman Service.
• Anti-bribery. We operate to a clear anti-bribery policy.

For lenders

Are you a lender or funder who would like to work with us? We would like to hear from you. We package cases cleanly and deal straight.

Common questions

Sources and references

Every claim on this page about who we are can be checked without taking our word for it.

1. Companies House: CapExpand Ltd, company number 14433858, registered in England and Wales
2. Financial Conduct Authority register, for our own status and for checking any lender we introduce you to
3. Information Commissioner’s Office register, reference ZB789649, for our data protection registration
4. Financial Ombudsman Service: when a small business can escalate a complaint about a regulated firm
5. Gov.uk: finance and support for your business