Business funding in Scotland
A Scottish business gets most of the UK unsecured market, half of the asset finance market, and between half and two thirds of the property lenders. 43 of our 55 unsecured lenders and 33 of 38 asset finance lenders cover Scotland; on property it is 32 of 45 commercial mortgage lenders and 35 of 53 bridging lenders. The counts are on this page so a business in Aberdeen or Dundee knows what is real before it enquires.
We arrange finance for UK limited companies, LLPs, sole traders and partnerships through the lenders that lend in Scotland and whose criteria your business fits. Free to you, and nothing goes anywhere without your say-so.
The Scottish panel, product by product
Distinct lenders on our panel with a live product that covers Scotland.
43
of 55 unsecured lenders lend in Scotland
33
of 38 asset finance lenders lend in Scotland
14
of 20 invoice finance lenders lend in Scotland
32
of 45 commercial mortgage lenders lend in Scotland
20
of 28 buy-to-let lenders lend in Scotland
35
of 53 bridging lenders lend in Scotland
29
of 51 development lenders lend in Scotland
9
of 19 secured loan lenders lend in Scotland
Counts are distinct lenders on our panel with at least one live product matching the criterion, checked September 2026. Panel composition changes over time, and meeting a criterion is not an offer: every case is subject to the lender's own checks.
What is different about a Scottish case
Coverage first
The first filter is not your accounts, it is whether the lender operates in Scotland. We apply it before anything else, so no time is lost on a lender that was never going to say yes.
Property follows Scots law
Standard securities, Registers of Scotland, missives and a Scottish solicitor on the lender's side. The lenders that cover Scotland have all of that in place; the process is not slower, but the list is shorter and the paperwork looks different.
Cash flow and assets are the depth
Unsecured loans, card-based advances, invoice finance and asset finance on vans, plant and equipment are underwritten on the business, not the postcode. Most of those lenders treat Scotland like any other region.
Secured loans are the thin end
Only 9 of 19 secured business loan lenders cover Scotland, because a secured loan is a property charge by another name. If you are offering property as security, expect the commercial mortgage or bridging list rather than the secured loan one.
The panel behind this page
Scottish cases go only to the lenders on our panel that cover Scotland: 43 unsecured, 33 asset finance, 32 commercial mortgage and 35 bridging lenders, part of 200+ lenders across all products. That range matters more than any single rate: the lender that suits a five-year-old limited company with clean accounts is rarely the one that suits a seasonal business or a director with a past blip, and a broker with a shallow panel has to force your case into whichever box it holds.
Names you may recognise on the panel
Examples from our panel as at September 2026, not an endorsement of any lender and not the full list. We check criteria first and put your case only to lenders whose requirements you fit. The full panel by product is in our lender directory, and how we choose is set out on our how we work page.
Frequently asked questions
How many of your lenders lend in Scotland?▼
Nearly three quarters of the unsecured lenders, half of the asset finance lenders, and between half and two thirds of the property ones. 43 of our 55 unsecured lenders, 33 of 38 asset finance lenders, 14 of 20 invoice finance lenders, 32 of 45 commercial mortgage lenders, 20 of 28 buy-to-let lenders and 35 of 53 bridging lenders cover Scotland. Figures checked September 2026; panel composition changes over time.
Why do some property lenders stop at the border?▼
Scots property law is its own system. Security over land is a standard security registered with Registers of Scotland rather than a legal charge at HM Land Registry, and a purchase is concluded by missives between solicitors rather than exchange of contracts. A lender that wants to lend in Scotland needs Scottish panel solicitors and valuers and a process built for it; the larger and Scottish-based lenders have that, and a number of smaller English funds never set it up.
Does a Scottish limited company go through the same process?▼
Yes. A company registered at Companies House with an SC-prefixed number is treated the same as one registered in Leeds or London by every lender that covers Scotland. Where the process differs is on property: the lender's solicitor will be a Scottish firm and the paperwork follows Scots conveyancing.
Do you work with sole traders in Scotland?▼
Yes. We work with sole traders and partnerships as well as limited companies and LLPs for business loans, asset finance, invoice finance and merchant cash advances. Property-secured lending (commercial mortgages, bridging, development and buy-to-let) is for limited companies and LLPs only. Lender criteria differ by structure, so tell us how you trade and we will go to the right part of the panel.
Can I get a bridging loan or a commercial mortgage on a property in Scotland?▼
Yes, from between half and two thirds of the panel. 32 commercial mortgage lenders and 35 bridging lenders on our panel lend on Scottish property, and 29 development lenders will fund a build. Because the list is shorter, we check coverage before anything else so the case never goes to a lender that stops at the border.
Is business funding in Scotland regulated by the Financial Conduct Authority?▼
The same rules apply across the UK: lending to a limited company or LLP for business purposes is generally unregulated commercial lending, and the Financial Conduct Authority is the regulator for the whole of the UK. 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.
Related guides
Important information
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 are a credit broker, 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. If a deal completes the lender pays us a commission, at no cost to you; different lenders pay different amounts under different models, and we will tell you the amount for your deal on request. All lending is subject to status, valuation where applicable and the lender's own checks.
We do not arrange regulated residential mortgages or lending secured on a home someone lives in. Coverage counts are drawn from lender product criteria and are a guide, not a promise that a given lender will accept a given case.
Registered office: Pure Offices, Lake View Drive, Annesley, Nottingham, NG15 0DT. Company No. 14433858.
Tell us about the business
What you need, how long you have traded, and whether property is involved. We come back with the lenders that cover Scotland and whose criteria you fit.