How it works
A straightforward four-step process, from first enquiry to completion.
Complete a short form
Share basic business details so we can understand your requirements, including:
- • Business name and trading history
- • Monthly card sales turnover
- • Amount of funding required
- • What you'll use the funds for
We check your details
We look at your profile and identify lenders from our panel that may be suitable. We consider:
- • Your monthly revenue and card sales
- • Time in business (minimum 3 months)
- • Your funding requirements
- • Repayment capacity based on turnover
Your account manager calls you
Not a call centre. Your dedicated CapExpand account manager calls you to walk through:
- • Your approved funding amount
- • Repayment terms and structure
- • Total cost of the funding - no surprises
- • Any questions, however small
Funds land in your account
After you accept an offer, funds are transferred directly to your business account. Some businesses have been funded the same day:
- • Same-day funding possible in urgent cases
- • Most businesses funded within 72 hours of applying
- • One fixed fee agreed upfront - no compounding interest
- • Repayments taken as a small percentage of your daily card sales
Our primary lender partner has a 4.8 Trustpilot rating with over 10,700 reviews. Businesses regularly come back for second and third rounds of funding.
Meet the founder
Alex Beardsley, founder of CapExpand. He built CapExpand so that every business gets a dedicated account manager who reviews your details, checks suitability with the lender panel, and calls you to talk through the options. One person, start to finish.
Who can apply?
Simple criteria designed for UK businesses.
Trading for 3+ months
Your business must have been trading for at least 3 months. If not, we can schedule a follow-up when you become eligible.
£10K+ monthly card sales
Minimum £10,000 in monthly card sales for the current fast-track route
UK registered business
Must be a limited company (Ltd) or LLP registered in the UK
No active CCJs or bankruptcies
Some providers may decline if there are active county court judgments
What you'll need
Having these ready helps us move faster.
Ready to get started?
3-minute application. Most businesses funded within 72 hours.