Capitalise Reviews

Capitalise provides tailored financial solutions with a focus on flexibility and support, aiding businesses in achieving growth and stability efficiently.

Here are the Trustpilot Reviews from Capitalise:

Here are the Reviews from Capitalise:

Capitalise is a must in this day n age to keep on top of your company finances there is always something trying to catch you out in business there's no better way to keep your eye on the ball whi le running a busy company I would recommend anyone in business to use Capitplise Capitalise your friendly partner in business

JON TAYLOR

It is a very easy effective and useful system to use, however I do think it would be better to be able to observe all my customers at my current package rate. Being notified of status changes and to o nly pay based on viewing in detail.

Amanda Chappell

quick concise and helful

LA Les Aggio

The information supplied is essential in making important decisions involving all aspects including whether indeeed to use any new supplier or on the sales side whether to extend credit lines to new accounts . The set out of all the facts makes the processes essential to run your day to day business

CR Craig

Really handy when it comes to monitoring your business partners and own business. Easy to navigate and gathering information.

C. C.Gr

A very indepth guide which was worth subscribing too - gave us great insights into our existing credit report and what we were doing wrong, doing correct and addressing any outstanding issues to was worth the cost for anyway, but for those who don't need anything more than a basic look of your history, a search on Endole will suffice.

JO Jo

Explore Capitalise's Finance Solutions:

Unsecured Business Term Loan

£5,000 – £500,000

Secured Business Term Loan

£50,000 – £2,000,000

Apply Now!

Explore Capitalise's Finance Solutions:

Loan Type:

Unsecured Business Term Loan

Loan Range:

£5,000 – £500,000

Loan Terms:

3 months to 5 years

Minimum Turnover and Trading Age:

Typically 6-12 months trading and £100k+ annual turnover

Interest Rate:

7.9% – 29.9% APR (representative; set by panel lender)

Fees:

Arrangement fee 0%-6%; early settlement fee may apply with some lenders

Loan Type:

Secured Business Term Loan

Loan Range:

£50,000 – £2,000,000

Loan Terms:

1 year to 7 years

Minimum Turnover and Trading Age:

12+ months trading; £250k+ turnover preferred

Interest Rate:

4.9% – 12.9% APR

Fees:

Valuation fees, legal fees, and arrangement fee 1%-3%

Loan Type:

Revolving Credit Facility / Business Overdraft

Loan Range:

£10,000 – £250,000

Loan Terms:

Open-ended; 6-month renewable agreements

Minimum Turnover and Trading Age:

6+ months trading; £200k+ annual turnover

Interest Rate:

0.5% – 2.5% per month on drawn balance

Fees:

Setup fee up to 4%; renewal fee after 6-12 months

Loan Type:

Asset Finance (Hire Purchase & Leasing)

Loan Range:

£10,000 – £5,000,000

Loan Terms:

1 year to 7 years

Minimum Turnover and Trading Age:

12 months trading; no minimum turnover stated

Interest Rate:

4.5% – 12% flat per annum

Fees:

Documentation fee £95-£250; option-to-purchase £10-£100

Loan Type:

Invoice Finance (Factoring & Invoice Discounting)

Loan Range:

£25,000 – £10,000,000 (up to 90% of invoice value)

Loan Terms:

Ongoing facility; 12-month renewable

Minimum Turnover and Trading Age:

£250k annual turnover; 6+ months trading

Interest Rate:

0.25% – 3% over base, service fee 0.5% – 3% of turnover

Fees:

Service fee plus discount charge; audit fees may apply

Loan Type:

Merchant Cash Advance

Loan Range:

£5,000 – £300,000

Loan Terms:

3 – 18 months (repaid via daily card takings percentage)

Minimum Turnover and Trading Age:

£10k+ monthly card sales; 6 months trading

Interest Rate:

Factor rate 1.1 – 1.5 (equivalent 15%-50% APR)

Fees:

No additional fees; cost fixed via factor rate

More About Capitalise

Capitalise Finance Solutions Limited, trading as Capitalise, is a UK-based digital finance marketplace and credit broker founded in 2014. It connects small and medium-sized enterprises (SMEs) with over 100 institutional and alternative lenders, offering a wide range of financing solutions. Regulated by the Financial Conduct Authority (FCA FRN 778342), Capitalise does not lend its own funds but facilitates access to multiple finance products through its online platform and accountant partners. This service is suitable for UK-registered limited companies and LLPs looking for funding options ranging from short-term working capital to larger commercial loans, supported by various technology integrations and advisory tools. For a foundation of funding choices, see business loans and business loans for small businesses.

Key Features of Capitalise

Capitalise offers several practical features designed to simplify the finance sourcing process for SMEs and their advisers. Its online portal enables quick application and monitoring, backed by technology integrations and additional advisory services.

Single digital application reaching over 100 lenders, enhancing chances of finding suitable funding using a loan comparison tool.
Real-time company credit score monitoring through Capital Reports to help track financial health and funding readiness.
Integrations with popular cloud accounting software like Xero, QuickBooks, and Sage for faster credit evaluation and loan eligibility checks.
Dedicated portals for accountants and advisors offering portfolio monitoring and risk insights to support client advisory.
Additional services include credit improvement advice, debt recovery via Capitalise Collect, and Government-backed Recovery Loan Scheme introductions.

Funding Eligibility

To qualify for finance via Capitalise, applicants generally need a UK-registered limited company or LLP with a minimum trading history of 6 to 12 months depending on the product. Annual turnover requirements usually begin at £100,000, with some secured or property-backed loans expecting £250,000 or more. Lenders commonly require satisfactory credit histories and may expect personal guarantees or asset security for larger loans. Tools and guidance to understand these requirements are available on how to qualify for a business loan in the UK. Understanding personal guarantee requirements and reviewing credit score information will also help applicants prepare.

Loan Options

Capitalise provides access to a spectrum of loan products suited for various business needs, from smaller, quick-access loans to large secured facilities.

Unsecured Business Term Loan: £5,000 to £500,000, with terms from 3 months to 5 years and APR rates typically between 7.9% and 29.9%. Personal guarantees are usually required. For details, see unsecured business loans.
Secured Business Term Loan: £50,000 to £2,000,000, terms from 1 to 7 years, with APR from 4.9% to 12.9%. Loans are secured against property or assets, and personal guarantees are customary. More info at secured term loans.
Revolving Credit Facility / Business Overdraft: £10,000 to £250,000, open-ended with 6-month renewable agreements. Interest rates range from 0.5% to 2.5% per month on drawn balances. See revolving credit loans for flexible lending options.
Asset Finance (Hire Purchase & Leasing): £10,000 to £5,000,000, terms 1 to 7 years, interest from 4.5% to 12% flat per annum. Assets act as security with possible personal guarantees; details at asset finance.
Invoice Finance (Factoring & Discounting): £25,000 to £10,000,000, ongoing facilities with service fees of 0.5% to 3%. Unlock cash from invoices; see invoice financing for more.
Merchant Cash Advance: £5,000 to £300,000 over 3 to 18 months, repayments linked to daily card sales. Higher effective cost; learn about MCA loans.
Trade Finance / Import Finance: £50,000 to £2,000,000 over 30 to 180 days to fund import/export cycles. See trade finance solutions.
Bridging & Property Finance: £100,000 to £10,000,000, terms 1 to 24 months with property security. Explore bridging loans for short-term property funding.
E-commerce Revenue Based Finance: £10,000 to £2,000,000 repaid as a percentage of daily online sales. Suitable for ecommerce; see e-commerce financing.
Government-Backed Recovery Loan Scheme (RLS): £25,001 to £2,000,000, up to 6 years for term loans; 3 years for overdrafts/invoice finance. Benefit from government guarantees. More about government-backed loans.

How to Apply

The application process is entirely online with telephone support. Capitalise offers indicative decisions within minutes and formal approvals within hours to days, depending on the loan product. Applicants will need to provide financial documents such as filed accounts, bank statements (uploaded or via open banking), management accounts, and verification documents.

Submit an online application form through the platform; ensure accuracy in business and director details. You can find application instructions at Funding Agent form.
Provide recent financial documentation including bank statements and accounts to support credit assessments.
Allow lenders to review and verify documents; be prepared to respond to additional queries regarding business performance and security.
Finalise agreement processes, including signing terms digitally, with potential personal or director guarantees as required. Helpful advisory tools are available at Funding Agent tools.

Funding Agent's View on Capitalise Finance Solutions

Capitalise acts as an intermediary connecting UK SMEs to a broad network of lenders with diverse finance products. Its digital platform, integrated credit tools, and accountant-focused services offer speed and choice, suitable for companies with stable trading histories and positive credit profiles. SMEs with limited or poor credit histories may find it challenging to secure funding here, given lender-set terms and security requirements. For those considering different options or gauging their eligibility, explore Funding Agent's loan comparison tools, eligibility guides, and detailed business loan overviews.