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.

Our lender panel

Through our broker network we place cases with a panel of 200+ UK lenders offering 1,800+ products, from high-street banks to specialist funds. That covers eight categories: unsecured and secured loans, asset finance, invoice finance, commercial mortgages, buy-to-let, bridging and development finance. The mechanics matter as much as the number. 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. Counts checked September 2026; panel composition changes over time and full lender particulars are available on request.

For working capital and cash advances, lenders on our panel complete deals for businesses we introduce most weeks, including the ones below. For asset, property, invoice and acquisition finance we work with specialist lenders suited to each product.

plus specialist asset, property & invoice lenders

The counts behind that sentence, product by product: 55 unsecured lenders, 19 secured, 38 asset finance, 20 invoice finance, 45 commercial mortgage, 28 buy-to-let, 53 bridging and 51 development lenders. Product ceilings run from £1,000 to £20 million unsecured to £5,000 to £300 million on bridging, all checked September 2026.

Reading criteria before approaching anyone is the part that does the work. 24 of the unsecured lenders accept minor adverse credit older than 24 months and 8 will consider moderate adverse; 21 lend to a business under a year old; 39 do not require a director who owns a home (checked September 2026). Knowing which lender sits in which of those groups is what stops an application going somewhere it was always going to fail.

We publish the rate spans too, because a panel count on its own tells you nothing about cost. At £50,000 unsecured, 47 lenders cover the amount over terms from 1 to 120 months, with published rates spanning 4.1% to 70.8% and a median floor of 17% (checked September 2026). Those are spans across panel products, never a quote, and the lender sets your price.

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.

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. The commission is paid by the lender out of its own pricing; we disclose the model, and the amount for your deal, on request.

Our process

Track record

Businesses we introduce complete merchant cash advance and business loan deals with lenders like YouLend, 365 Finance, iwoca, Capify and Funding Circle on a regular basis, and we introduce clients to specialist lenders 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. 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 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. Panel counts were checked in September 2026, available products only, and are re-checked quarterly.

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, for the government-backed schemes that sit outside our panel