Creative Capital Reviews

Creative Capital specializes in innovative funding solutions, recognized for supporting creative ventures with flexible capital and expert guidance tailored to unique business needs.

Here are the Trustpilot Reviews from Creative Capital:

Here are the Reviews from Creative Capital:

I have been in the funding industry for quite some time now, give or take 6 years. I have seen a lot of underhand techniques be done in this industry but the reason I'm comfortable working at creative capital solutions is because I have a clear conscious when I come and go in this office, the transparency with the merchants makes it worthwhile to be here.

Jason LaBarbera

Soon after I had applied for the job, I received an email from the HR Manager ( Rachel), This was one of the first companies I had come across which goes through applications as swiftly as they did otherwise I would usually have to wait for month to get a response from any company and corporation which was the first green flag for me. when I came in for the interview the CEO had taken it himself (Bruno) after which he told me to look around and see how the office works. Originally I had 2 more interviews that same day but after talking to the other employees, seeing how collaborative and helpful they are and how much of a pleasant environment there was, I had decided to let the other two companies know I will not be coming in for the interviews. After working in other companies and seeing an obvious toxic culture of greed, creative capital changed my perspective on how managers and senior management are to new entry employees, here I was trained thoroughly right off the bat, my manager Nick Falcone and other senior employees such as Vincent, Jude and Mike had constantly checked up on me during my initial starting weeks to make sure I was not lost and all my questions were answered. It is definitely a place I would recommend for anyone starting their career in this field since it is an ideal environment to hone and grow your skills

Funding specialist

'The next call can bring me financial freedom' 'You're one call away from changing your life' This keeps us all hopelessly optimistic because the fact of the matter is; its true. we fund Millions of dollars on a weekly basis here and have long term relationships with all of our clients which is why they keep coming back to us, we never disappoint.

Funding specialist

Been here 2 months, loved every day of it. Jude my manager has been extremely supportive of me an enabling me in bring a better employee and along with him the entire department has nothing but positivity. Bruno and Mike have brought this company to be if not one then the best Funding Companies around.

Employee at CCS

Just joined creative less than a month ago and funded 100,000k in my first week. very collaborative team members and team leader. so far an amazing experience

Funding specialist

Great learning experience, you will learn a lot in this industry especially if you have no sales experience.

Business loan broker

Explore Creative Capital's Finance Solutions:

Selective Invoice Finance (Single Invoice Factoring)

£5,000 - £1,000,000 per invoice (up to 85% advance)

Whole-Turnover Invoice Discounting Facility

£25,000 - £2,500,000 facility limit (up to 90% advance)

Apply Now!

Explore Creative Capital's Finance Solutions:

Loan Type:

Selective Invoice Finance (Single Invoice Factoring)

Loan Range:

£5,000 - £1,000,000 per invoice (up to 85% advance)

Loan Terms:

Until debtor pays (typically 30 - 120 days)

Minimum Turnover and Trading Age:

Minimum 6 months trading and £50,000 annual turnover

Interest Rate:

Discount fee 1.8% - 3.0% per 30 days (approx. 21% - 36% p.a.)

Fees:

One-off arrangement fee from £250; service fee 0.75% - 2.0% of invoice value; no early-repayment or non-utilisation fees

Loan Type:

Whole-Turnover Invoice Discounting Facility

Loan Range:

£25,000 - £2,500,000 facility limit (up to 90% advance)

Loan Terms:

Rolling 12-month facility, renewed annually

Minimum Turnover and Trading Age:

£250,000 annual turnover and 12 months trading

Interest Rate:

Base rate + 2.5% - 4.0% per annum on outstanding; service fee 0.25% - 1.0% of turnover

Fees:

Set-up fee 1% of facility limit (minimum £900); audit fees c. £400 semi-annually; termination fee 1 month’s fees if cancelled early

Loan Type:

Trade Finance / Purchase Order Finance

Loan Range:

£10,000 - £500,000 per transaction (up to 100% supplier cost)

Loan Terms:

30 - 120 days from supplier payment

Minimum Turnover and Trading Age:

£100,000 annual turnover and 9 months trading history

Interest Rate:

1.5% - 2.5% per 30 days usage fee (18% - 30% p.a. equivalent)

Fees:

Arrangement fee 1% of facility; non-utilisation fee 0.5% monthly on undrawn funds (if revolving line agreed)

Loan Type:

Construction & Sub-Contractor Invoice Finance

Loan Range:

£25,000 - £750,000 facility (up to 70% of application value)

Loan Terms:

Until valuation certificate or payment (30-65 days typical)

Minimum Turnover and Trading Age:

£500,000 annual turnover within construction sector

Interest Rate:

2.0% - 3.5% per 30 days

Fees:

Set-up fee from £500; ongoing service fee 1% - 2% of invoice/application

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More About Creative Capital

Creative Capital Ltd is an independent UK finance provider founded in 2010, specialising in short-term working capital solutions primarily for SMEs. The lender offers selective invoice finance and trade-finance facilities designed to unlock cash flow through business-to-business invoices. Its services may suit smaller or younger businesses needing flexible funding without long-term commitments. For further context, consult our invoice financing overview and selective invoice financing guide.

Key Features of Creative Capital Ltd

Creative Capital provides a digital client experience paired with personalised support. Its solutions emphasise flexibility and speed, allowing businesses control over which invoices to fund and how to integrate trade finance.

Cloud-based client portal enables 24/7 invoice uploads and report downloads, with tools for managing funding.
Same-day payments via Faster Payments up to £250,000 boost cash flow efficiency, supported by quick business finance methods.
Dedicated relationship managers offer direct phone and email support, avoiding call-centre models, ensuring personalised service.
Optional credit-checking and debtor insurance services help manage risk for complex debtor profiles, details at credit score and credit rating resources.
Integration with common accounting software like Xero, Sage and QuickBooks simplifies bookkeeping and invoice tracking.

Funding Eligibility

You may qualify for Creative Capital's funding if your business has been trading for between 6 and 12 months, depending on the product. Minimum annual turnover requirements start at £50,000 for selective invoice finance and increase for revolving or trade finance facilities. Eligible entities include limited companies and LLPs registered in the UK. Certain sectors such as consumer retail, gambling, and crypto-currency are excluded. Confirm your status via our business loan qualification guide and check detailed working capital loans eligibility criteria.

Loan Options Available

Creative Capital offers several types of invoice financing and trade finance designed to address different cash-flow needs. Below are key options with funding amounts, terms, and typical costs.

Selective Invoice Finance: £5,000 to £1,000,000 per invoice, advanced up to 85%, typically settled within 30 to 120 days. Discount fees range from 1.8% to 3.0% per 30 days. No debenture usually required. More information on selective invoice financing.
Whole-Turnover Invoice Discounting Facility: £25,000 to £2,500,000 facility limit, with advances up to 90%. This rolling 12-month facility carries base rate plus 2.5% to 4.0% interest per annum, plus service fees. Security includes full debenture. Details available at invoice discounting.
Trade Finance / Purchase Order Finance: £10,000 to £500,000 per transaction, funding up to 100% of supplier cost. Short terms of 30 to 120 days apply. Usage fees range from 1.5% to 2.5% per 30 days. Personal guarantees often required. See trade finance for more.
Construction & Sub-Contractor Invoice Finance: Facilities from £25,000 to £750,000, advancing up to 70% of application value. Terms run until payment or certification, usually within 30 to 65 days. Specialist sector knowledge applied. Further reading at construction finance.

How to Apply

Applications are submitted online with telephone support. Expect an indicative offer within 24 hours of full document submission. Key documents include accounts, bank statements, debtor reports, and director ID.

Submit application through the online portal with supporting documents uploaded digitally. Access the application form.
Provide recent filed accounts, management accounts, bank statements, debtor ageing report, sample invoices or purchase orders, director identification, and proof of address.
Allow lenders to conduct credit checks on debtors and perform necessary verifications to complete due diligence.
Review and sign agreements electronically. Expect first funding drawdown within 48 hours of approval, with subsequent payouts same day.

Funding Agent's independent view

Creative Capital fits a flexible role, catering well to small and growing businesses needing short-term invoice or trade financing without extensive contract obligations. Its selective invoice funding model and rapid decision-making suit occasional cash-flow gaps. However, larger firms or those lacking B2B invoices might require alternatives. Check our tools, perform an eligibility review, or compare options using our selective invoice finance guide to decide if Creative Capital meets your needs.