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 turnover
- • Amount of funding required
- • What you'll use the funds for
We check your details
We check your profile against the published criteria of the lenders on our panel. We look at:
- • Your monthly revenue
- • Time in business, against each lender's published minimum
- • The amount and purpose you gave
- • Each lender's published turnover minimum
A named case handler calls you
A named CapExpand case handler calls you to walk through:
- • Any offers lenders make, with the amount each lender sets
- • The repayment terms each lender offers
- • The costs each lender provides, side by side
- • Any questions, however small
Funds land in your account
After you accept an offer, the lender transfers funds directly to your business account:
- • Payout timing is set by the lender
- • The total cost is set out in the agreement before you sign
- • Repayments as the agreement sets them
Who's behind CapExpand
CapExpand was founded by Alex Beardsley to give every business a named case handler who reviews your details, checks them against the published criteria of the lenders on our panel, and calls you to talk through the options. The same named case handler stays with you from enquiry to completion.
Who can apply?
Each lender publishes its own criteria, and they change without notice. The four points below are the ones most lenders publish.
Trading history, by lender
Each lender sets its own minimum, and through us a business needs at least three months of trading. If you are not there yet, we can schedule a follow-up when you are.
Monthly turnover, by lender
Each lender publishes its own floor, and some state a monthly turnover figure beside the trading minimum.
UK registered business
UK limited companies and LLPs only.
No active CCJs or bankruptcies
Some providers may decline if there are active county court judgments; each provider decides its own case.
What step two actually involves
“We check your details” means comparing what you have told us with published lender criteria before anything is submitted. Those criteria are duller and stricter than most adverts suggest: a minimum trading period, recent accounts and bank statements, a director guarantee on unsecured lending, and a band of amounts each product covers.
We check against the published criteria of a range of commercial finance lenders on our panel, for unsecured and secured business loans, asset finance, invoice finance, commercial mortgages, buy-to-let, bridging and development finance. We take enquiries from £10,000 upwards.
Price context helps at step three, when your named case handler sets the costs out side by side. The Bank of England publishes Bank Rate, which it set at 3.75% on 18 December 2025. HMRC publishes its own rate on late tax. The comparison that works is total repayable over the months you will realistically need the money.
Two honest caveats. Meeting a published minimum is not an approval, because every lender still underwrites the case in front of it. And a decline is a lender-fit answer rather than a market verdict, which is the whole reason we check the criteria before an application leaves the building rather than after.
What you'll need
Having these ready helps us move faster.
Ready to get started?
3-minute enquiry. Timings are set by the lender, and each lender makes its own decision.