How CapExpand works
No jargon, no smoke. We are a UK commercial finance team in Nottingham, founded by Alex Beardsley. We introduce limited companies and LLPs to a panel of lenders, help you understand the options, and get deals over the line. Here is exactly who we are, how we are paid, and the standards we hold ourselves to, so you, and the lenders we work with, know precisely what you are dealing with.
By the CapExpand Team, led by Alex Beardsley
·Updated June 2026
Ltd & LLP
Who we help
NACFB Assured
Broker standards
No fee
You never pay us
Panel of lenders
One enquiry, many options
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.
What we are
- A commercial finance introducer and broker team
- A free service for the business owner
- One enquiry compared across a panel of lenders
- NACFB Assured, and open about how we are paid
What we are not
- Not a lender, we do not lend our own money
- Not FCA authorised, non-regulated introductions only
- Not a financial adviser, we do not give advice
- Not currently able to take on sole traders or partnerships
Because we complete non-regulated introductions only, we currently work with UK limited companies and LLPs, for business purposes. If we become directly authorised or an Appointed Representative, we will open up to sole traders and partnerships and say so clearly.
Our lender panel
For working capital and cash advances we place deals with established UK lenders most weeks, including the ones below. For asset, property, invoice and acquisition finance we work with specialist lenders suited to each product. Full lender particulars are available on request.
Compare the lenders we work with
How we are paid
Our service is free to you. We are paid a commission by the lender if, and only if, a deal completes. We think you should know how that works rather than wonder about it, so here are the models we work under.
Fixed fee
A set amount agreed with the lender, regardless of the deal size.
Percentage of the amount funded
A percentage of what the lender advances to you.
Rate for risk
Based on the risk profile of the business and the deal.
Different lenders pay different amounts under different models. The commission does not come out of your pocket, and the detail of the model and amount is disclosed to you through your journey. It never changes the options or rates the lender offers you.
Our process
You tell us what you need
A short enquiry or a phone call. Business details and what the funding is for. No credit footprint to start.
We match you to lenders
We approach the lenders on our panel whose criteria you fit and who suit the product you need.
A real person explains the options
Your account manager talks you through the costs, the terms and the trade-offs. Plain English, no pressure.
You choose, the lender funds
You pick the option that works, or walk away. If you proceed, the lender completes and funds the deal.
Track record
We place merchant cash advance and business loan deals through lenders like YouLend, 365 Finance, iwoca, Capify and Funding Circle on a regular basis, and we arrange asset, property, invoice and acquisition finance through specialist lenders. We cover the full range of business funding rather than a single product.
A recent deal
In June 2026 we arranged a £100,000 hire purchase facility for a limited company buying a Range Rover Autobiography, on a 24 month term with no balloon. Client anonymised, real terms. You can see the full breakdown on our asset finance page.
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.
- NACFB Assured. We hold ourselves to the standards of the National Association of Commercial Finance Brokers.
- Data protection. Registered with the ICO under reference ZB789649. We only share your details with lenders relevant to your enquiry. See our privacy policy.
- Complaints. If something goes wrong, our complaints process sets out how we handle it. Where a complaint concerns an FCA-regulated lender, they have their 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 and introducers
Are you a lender or funder looking to join our panel, or a professional who wants to refer clients to us? We would like to hear from you. We pride ourselves on clean, well-packaged cases and honest dealing.
Common questions
Is CapExpand a lender?▼
No. CapExpand is a commercial finance introducer. We introduce UK limited companies and LLPs to a panel of lenders and funders. We do not lend our own money and we do not make the lending decision, the lender does.
Is CapExpand authorised by the FCA?▼
No. CapExpand Ltd is not authorised by the Financial Conduct Authority and only completes non-regulated introductions, which is why we currently work with limited companies and LLPs for business purposes rather than sole traders or partnerships. We do not give financial advice.
What does it cost me to use CapExpand?▼
Nothing. Our service is free to the business. We are paid a commission by the lender if a deal completes. Different lenders pay different amounts under different commission models, and we disclose the detail through your journey.
How do you choose which lenders to use?▼
We look at your business and the funding you need, and we approach the lenders on our panel whose criteria you fit and who are likely to give you the best outcome. We compare, we explain the options, and the decision is always yours. Lender particulars are available on request.
What happens to my data?▼
We handle your information in line with UK data protection law. CapExpand Ltd is registered with the Information Commissioner's Office under reference ZB789649. We only share your details with lenders relevant to your enquiry, and our privacy policy sets out the detail.
How do I complain if something goes wrong?▼
We take complaints seriously. Our complaints process is on our complaints page. If your complaint concerns an FCA-regulated lender rather than our introduction, they will have their own complaints procedure, and depending on your eligibility you may be able to escalate to the Financial Ombudsman Service.
Important information
CapExpand Ltd is not authorised by the Financial Conduct Authority and can only complete non-regulated introductions. We work with UK limited companies and LLPs only, for business purposes. We are not a lender and we do not provide financial, tax or legal advice. We work with a panel of lenders whose particulars are available on request, and we receive commission from the lender if a deal completes, at no cost to you. Different lenders pay different amounts under different commission models. All funding is subject to status and the lender's own checks.
Know what you're dealing with? Good.
Tell us what your business needs and we'll introduce you to the lenders best placed to do it. Free to use, no obligation.