The lenders behind CapExpand

Alex Beardsley
Alex Beardsley
Updated September 2026

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. This page lists the full roster, category by category, along with every lender review we have published, so you can see exactly how much of the market one enquiry reaches.

Counts checked September 2026. Panel composition changes over time, named lenders are examples rather than the full list, and inclusion is not an endorsement. We check criteria first and approach only the lenders whose requirements your business fits.

The panel, product by product

This is the full roster of lender brands on our panel, category by category, as at September 2026. Depth is what you are hiring a broker for: the more lenders a product holds, the less your case has to bend to fit one lender's box. The amount spans are the range of product limits across each panel, from the smallest facility to the largest, not what a typical business is offered.

unsecured business loans

55 lenders · product limits £1,000 to £20 million

1st Merchant Finance · 365 Finance · Adelpha Capital · Admiral Leasing and Loans · Adsum · All Capital · Allica Bank · BCRS Business Loans · Bizcap · BloomSmith · Braemar Finance · Capify · Credit 4 · Cubefunder · Elect Capital · Factored · Finance for Enterprise · Finance Yorkshire · Fleximize · FlexyCap · Funding Alternative Group · Funding Circle · FW Capital · HSBC · Investec · iwoca · Juice · Kingsley Asset Finance · Kingsway Finance · LendingCrowd · Little Business Loans · MCL Finance · Mercia Asset Management · Momenta Finance · Multifi · NatWest · Nucleus Commercial Finance · OakNorth Bank · Outfund · Oxbury Bank · Paragon Bank · Playter · Premium Credit · Revolve · Rivers Leasing · SAPI · Sigma Lending · Simply Funded · Swiftfund · Swishfund · ThinCats · Triffin · Uncapped · White Oak · YouLend

Read the unsecured business loans guide

secured business loans

19 lenders · product limits £5,000 to £10 million

4Syte · Accredo Secured Business Finance · Adelpha Capital · Capify · Credit 4 · FinSec Limited · Fleximize · Jabac Finances Ltd · Mercantile Trust · Momenta Finance · Nationwide Finance · Praetura Asset Finance · Reward Funding · Rivers Leasing · Selina Finance · Swishfund · Together · Ultimate Finance · United Trust Bank

Read the secured business loans guide

asset finance

38 lenders · product limits £1,000 to £50 million

Admiral Leasing and Loans · Alchemy Business Finance Ltd · Aldermore · Allica Bank · Arkle Finance · Armada Asset Finance · Asset Advantage · Bibby · Black Arrow · BPCE · Cambridge and Counties Bank · Close Brothers · Davenham · Eastern Credit · Excel-A-Rate Business Services · Haydock Finance · Investec · JBR Capital · Kingsley Asset Finance · Kingsway Finance · Liberty Finance · Lloyds · Lombard · Metro Bank · Novuna · Oxbury Bank · Paragon Bank · PEAC Solution · Praetura Asset Finance · Quantum Asset Finance · Rivers Leasing · Siemens · Simply Asset Finance · The Business Lending Exchange Ltd · Time Finance · Tower Leasing · Ultimate Finance · White Oak

Read the asset finance guide

invoice finance

20 lenders · product limits £500 to £25 million

4Syte · Barclays · Bibby · Creative Capital Solutions · ECapital · Hydr · Investec · Kriya · Lloyds · NatWest · Novuna · Paragon Bank · Penny Freedom · Pulse Finance · Reward Funding · Skipton Business Finance · Time Finance · Tradeplus24 · Triver · Ultimate Finance

Read the invoice finance guide

commercial mortgages

45 lenders · product limits £25,000 to £50 million

1st Merchant Finance · Aldermore · Allica Bank · Alternative Bridging Corporation · Arbuthnot Latham · Atom Bank · Bank Leumi · Barclays · Cambridge and Counties Bank · Charity Bank · Cumberland Building Society · Cynergy Bank · Devon and Cornwall Securities · Eastern Credit · Ecology Building Society · Folk 2 Folk · Foundation · Funding 365 · Glenhawk · Hampshire Trust Bank · HSBC · Interbay Bank · JMT Finance · Keystone Mortgages · LHV Bank · Lloyds · Metro Bank · MT Finance · NatWest · OakNorth Bank · Ortus Secured Finance · Quantum Mortgages · Redwood Bank · Reliance Bank · Roma Finance · Shawbrook Bank · TAB · Together · Triodos · UK Agricultural Finance · United Trust Bank · Unity Trust Bank · West One · Westwood Capital · Yorkshire Building Society

Read the commercial mortgages guide

buy-to-let mortgages

28 lenders · product limits £10,000 to £20 million

Aldermore · Allica Bank · Castle Trust · CHL Mortgages · Cumberland Building Society · Dudley Building Society · Fleet Mortgages · Foundation · Funding 365 · Gatehouse Bank · Hampshire Trust Bank · Interbay Bank · Keystone Mortgages · Landbay · Lendinvest · Market Harborough BS · Mercantile Trust · Moda Mortgages · Molo · MT Finance · Paragon Bank · Quantum Mortgages · Rely · Roma Finance · Shawbrook Bank · Together · West One · Yorkshire Building Society

Read the buy-to-let mortgages guide

bridging finance

53 lenders · product limits £5,000 to £300 million

Affirmative Finance · Allica Bank · Alternative Bridging Corporation · Aspen Bridging · Assetz Capital · Black & White Bridging · BridgeHelp · Bridging Finance Solutions · Castle Trust · Catalyst · Charles Street Finance · Colenko · Commercial Acceptances · CrowdProperty · Evolve Lending · Funding 365 · Glenhawk · Hampshire Trust Bank · HFBS Bridging Solutions · Hilco Real Estate Finance · Hope Capital · IM Capital · Jabac Finances Ltd · JMT Finance · Lendhub · Lendinvest · Lowry Capital · Market Harborough BS · Maslow Capital · Masthaven Finance · Mercantile Trust · Mint Property Finance · Momenta Finance · MS Lending Group · MT Finance · Novellus Capital · Octane Capital · Octopus Property · Offa · Ortus Secured Finance · Precise Mortgages · Reward Funding · Roma Finance · ScotLend · Shawbrook Bank · Streambank · TAB · TFG Capital · Together · Ultimate Finance · United Trust Bank · West One · Westwood Capital

Read the bridging finance guide

development finance

51 lenders · product limits £50,000 to £100 million

Affirmative Finance · Aldermore · Alternative Bridging Corporation · Aspen Bridging · Assetz Capital · Atelier Finance · Barclays · Blackfinch Property · Blend Network · Bridging Finance Solutions · Business Lending Group · CapitalRise · Castle Trust · Clearwell Capital · Close Brothers · Commercial Acceptances · CrowdProperty · Development Bank of Wales · Fiduciam · Funding 365 · Goldentree · Hampshire Trust Bank · Heritage · Homes England · Imperial Blue Finance · Invest and Fund · Lendinvest · Lloyds · Lowry Capital · Magnet Capital · Masthaven Finance · Mint Property Finance · MSP Capital · NatWest · Novellus Capital · OakNorth Bank · Octopus Property · Paragon Bank · Pivot · Pluto Capital · Puma Property Finance · Relendex · Roma Finance · Sancus · Secure Trust Bank · Shawbrook Bank · Signature · Triodos · Triple Point Private Credit · United Trust Bank · West One

Read the development finance guide

Lenders we have reviewed in full

Long-form reviews built from each lender's own published criteria, loan sizes and terms, checked on a stated date, with a plain account of what each one lends and to whom. More are added as we work through the panel.

Merchant cash advance

YouLendMerchant financing of up to £2,000,000, repaid from a share of sales, offered through Dojo, Amazon, eBay and Shopify365 FinanceDirect lender writing merchant cash advances of £10,000 to £500,000 for UK businesses that take card paymentsLiberisEmbedded cash advances of £1,000 to £1 million, offered through partners such as Worldpay, Elavon, Dojo and eBayCapifyBusiness loans of £10,000 to £3,000,000 over 3 to 24 months for businesses trading 12 months with £10,000 monthly turnoverLoveyLove Finance renamed in January 2026; loans of £1,000 to £1,000,000 and a merchant cash advance for companies and sole tradersNucleusNucleus Commercial Finance; business loans, the Enable facility and Credit Builder for UK SMEs, in a range rebuilt in 2026

Revenue-based finance

UncappedFixed-term financing of £100,000 to £2 million and a credit line for online brands, plus Amazon seller fundingOutfundRevenue-based or fixed-term funding of £10,000 to £500,000 over 3 to 12 months for businesses trading six monthsWayflyerNot on our panelCash advances, term loans and rolling financing of £5,000 to £20 million for ecommerce brands; not on our panelClearcoNot on our panelFunds ecommerce brands incorporated in the United States, up to $10 million over 4 to 12 months; not on our panel

Business loans

iwocaFlexi-Loan of £1,000 to £1,000,000, held from one day to five years, for UK limited companies and LLPsFleximizeFlexiloan of £10,000 to £500,000 unsecured and up to £1,000,000 secured, over 3 to 60 months, for UK companies and LLPsFunding CircleBusiness loans of £10,000 to £750,000 over 6 months to 6 years for UK limited companies and LLPsBizcapLoans of £5,000 to £1,000,000 over 3 to 12 months for businesses trading four months with £12,000 monthly revenueCubefunderLoans of £5,000 to £100,000 over 3 to 12 months for businesses in England and Wales, with a separate sole trader loanSwishfundLoans of £10,000 to £400,000 over 3 to 24 months for UK businesses with filed accountsMomenta FinanceMerchant Money renamed; unsecured loans of £50,000 to £500,000, secured loans to £1.5m and bridging to £5m for companies and LLPsPlayterShawbrook-owned; the Playter Boost, Playter Pay and Playter Broker facilities for UK limited companiesThinCatsShawbrook-owned lender to mid-sized UK businesses, funding £1m to £30mWhite Oak UKCommercial loans of £25,000 to £2m, asset finance from £5,000 and invoice finance from £250,000 for UK businessesReward FundingShort-term business finance of up to £5m over 3 to 12 months for UK businesses, repaid in one bullet at the end of the term

Invoice finance

KriyaFormerly MarketFinance, now owned by Allica Bank; selective invoice finance and Embedded PayLater for UK businessesBibby Financial ServicesFactoring, invoice discounting and construction finance, open to unincorporated businesses as well as companiesSkipton Business FinanceInvoice finance facilities of £25,000 to £5m, CHOCS and LedgerLite, plus an asset based lending armPennyFunds one B2B invoice at a time from £500 for companies, partnerships and sole traders in England, Scotland and WalesHydrSingle-invoice finance with credit protection included, for businesses running Xero or QuickBooksTriverSingle-invoice advances for UK limited companies, with facilities of up to £700,000 and no personal guaranteeUltimate FinanceInvoice finance to £10m, asset finance to £3m and bridging loans for UK businesses; parent Bentley Park is acquiring Time FinanceSonovateFunding against timesheets and invoices for recruitment agencies and consultancies, with contractor payroll built in

Asset finance

Close BrothersHire purchase, leasing and refinance for UK businesses from a long-established merchant banking groupAldermoreHire purchase, finance lease, operating lease and refinance for UK businesses, from a bank with a £2.2bn asset finance bookNovuna Business FinanceAsset finance for UK businesses trading three years or more, written by Mitsubishi HC Capital UK PLC, with a 10% depositTime FinanceAsset finance, invoice finance and business loans for UK SMEs, including lending under the Growth Guarantee SchemeSimply Asset FinanceAsset finance of £5,000 to £10m plus for UK businesses, including new-start companies

Commercial mortgages

Allica BankCommercial mortgages and business lending for established UK SMEs, with a business current account alongsideOakNorth BankLoans from £1 million to established UK businesses, with terms agreed case by caseShawbrook BankCommercial mortgages and buy-to-let lending for UK companies and property investors, from a specialist bankCambridge and Counties BankCommercial investment, owner occupier and buy-to-let mortgages with published LTVs, loan sizes and criteriaRedwood BankCommercial mortgages for UK businesses and property investors, with tiered products and published security criteria

Bridging finance

MT FinanceBridging loans secured on property in England and Wales, for individuals and companiesTogetherBridging loans on residential and commercial property in England, Scotland and WalesWest One LoansBridging of £75,000 to £30m, including a dedicated land product at 50% LTV and a limited-edition bridge launched in June 2026Roma FinanceBridging loans of £75,000 to £3m at up to 75% LTV, backed by a J.P. Morgan forward flowGlenhawkBridging loans from £250,000 across its range, with a 60% LTV cap on terms of six months or less

Comparing cash advance lenders specifically? The MCA lender comparison hub tracks every card-split lender still active in the UK. Choosing between brokers instead of lenders? Start with how to pick a business loan broker.

How this directory is kept honest

  • ✓Panel counts are re-checked quarterly, and every figure rounds down.
  • ✓Review facts come from the criteria, loan sizes and terms each lender publishes, with the date we checked them stated on the page and the sources listed.
  • ✓Each review describes what a lender lends and to whom, in the terms the lender itself publishes. Which of them fits your case is settled by criteria, and we check those before an application goes anywhere.
  • ✓No invented testimonials, no third-party review scores dressed up as our own, no pay-to-be-listed placements.
  • ✓The whole panel, counted by criterion and by product, is published as The UK SME Lending Panel 2026 at /research/uk-sme-lending-panel-2026.

Common questions

How many lenders does CapExpand work with?▼

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 breaks down by product: 55 for unsecured business loans, 19 for secured business loans, 38 for asset finance, 20 for invoice finance, 45 for commercial mortgages, 28 for buy-to-let mortgages, 53 for bridging finance, 51 for development finance. Figures were checked in September 2026 and panel composition changes over time.

Is this the complete list of lenders you work with?▼

Yes, as at September 2026: every lender brand on our panel is listed above, category by category. The panel moves, though. Lenders join, pause and change criteria month to month, so we re-check the roster quarterly and date it rather than pretending it is static. Inclusion is a fact about panel composition, not an endorsement, and the shortlist we actually approach for your case is always shared with you before anything is submitted.

Do you work with high-street banks or only alternative lenders?▼

Both. HSBC, Barclays, Lloyds and NatWest sit on our commercial mortgage and business lending panels alongside challengers such as Allica, OakNorth, Aldermore and Shawbrook, and the specialist funds below them. Where a case fits the criteria a bank publishes we start there. The rest of the panel exists for the many good businesses whose numbers sit outside those criteria, and a specialist lender written for that sector is often the shorter route.

Can I choose which lender you approach?▼

Yes. If you want your case in front of a specific lender, tell us and we will say plainly whether your numbers fit their criteria before anything is submitted. What we will not do is blanket-apply across the panel; each application is placed deliberately, which protects your credit file and keeps lenders taking our cases seriously.

Are your lender reviews independent?▼

Our reviews are built from each lender's own published criteria, loan sizes and terms, checked on a stated date, and they describe what the lender lends and to whom rather than ranking it against anyone else. Some of the lenders we review sit on our panel and some do not; either way the facts come from the public record, with the lender's own pages, Companies House and the FCA Register cited on each page, and we never publish invented testimonials or scores. 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). We work with UK limited companies, LLPs, sole traders and partnerships.

Do you cover Scotland, Wales and Northern Ireland?▼

Yes, with a field that narrows the further you go from England. For unsecured loans, 52 of our 55 lenders cover Wales, 43 cover Scotland and 21 cover Northern Ireland. For commercial mortgages it is 42, 32 and 11 of 45; for bridging 52, 35 and 11 of 53 (checked September 2026; panel composition changes over time). Northern Ireland is the smallest of the three, so tell us early and we go straight to the lenders that operate there.

Important information

Panel figures were checked in September 2026 and change over time. All funding is subject to status and lender approval.

Which of them fit your case?

Tell us how much and what for, and we'll come back with the lenders on the panel whose criteria you actually fit. Free to use, no obligation, and enquiring does not affect your credit score.

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