Federal Capital Reviews

Federal Capital is a trusted UK lender offering quick unsecured business loans, serving over 36,000 businesses with fast payments and repeat customer support.

Here are the Trustpilot Reviews from Federal Capital:

Here are the Reviews from Federal Capital:

Fantastic Company ! I would be lost in my job as a commercial finance broker if I didn't have Federal Capital on my panel of funders. They are incredibly easy to work with and make the whole process quick and simple. Please don't ever stop doing what you're doing !

Anna Whitley

Federal Capital are a change from the normal, we can't do this or that, or this will take us a week to decide. They can get to loans that other providers are unable to, and they do it quickly! Wouldn't hesitate to recommend!

Kevin McNally

A Great company to deal with. Have worked with Callum and the team since 2019. They are all a pleasure to deal with, their customer service & speed is second to none!

Taylor Nolan

Working with Federal Capital has been a very positive experience for years now. Their team is responsive, easy to deal with, and clearly understands the realities of small business financing. Over the past several years we’ve found them to be pragmatic in their approach — they look beyond rigid criteria and take the time to assess each case on its own merits. Turnaround times are consistently impressive. We often receive credit decisions within a few hours, and funding can follow the very same day, which makes a huge difference for clients who need quick access to capital. Both the operations team and the people behind the scenes are professional, supportive, and easy to collaborate with. It’s rare to find a lender that combines speed with a thoughtful approach to underwriting, and that’s what has made our relationship with Federal Capital so valuable. We look forward to continuing to work together for many years ahead.

Joshua Harvey

Great business. Fast & efficient Great company with fast decisioning, efficient pay outs and a really helpful front and back office team. Having worked with Federal Capital for over four years now, it is refreshing to work with a lender that takes a human approach to underwriting, understanding the nuances of the SME market and the fact that not everyone is "bank grade" eligibility. We typically get a decision within a couple hours and funds released same day which is perfect for those clients who have really time sensitive requirements. Long may our partnership continue!

Jack Doran

Incredibly unreasonable practice. They work with small business's and apply immense pressure from the first day of a late payment, even if all previous have been up to date and their interest rates ar... See more

Rachael Robertson

Explore Federal Capital's Finance Solutions:

Unsecured Business Loan

£5,000 - £500,000

Revolving Credit Facility

£5,000 - £250,000

Apply Now!

Explore Federal Capital's Finance Solutions:

Loan Type:

Unsecured Business Loan

Loan Range:

£5,000 - £500,000

Loan Terms:

3 months to 24 months

Minimum Turnover and Trading Age:

Minimum annual turnover of £60,000 and minimum 6 months of trading history

Interest Rate / Factor Rate:

Representative APR of 27.8% to 99.9%, individual rates vary based on risk profile

Fees:

No upfront arrangement fees; late payment fees may apply; early repayment fees may apply (typically 2-4% of the outstanding balance)

Loan Type:

Revolving Credit Facility

Loan Range:

£5,000 - £250,000

Loan Terms:

12 months (renewable/rolled over)

Minimum Turnover and Trading Age:

Minimum annual turnover of £60,000 and minimum 6 months of trading history

Interest Rate / Factor Rate:

From 0.5% per week (variable), equivalent to approximately 26% per annum, but can be higher

Fees:

No arrangement fee; drawdown fees may apply; daily/weekly interest on outstanding balance

Loan Type:

Asset Finance (via broker partners)

Loan Range:

£10,000 - £500,000

Loan Terms:

12 months to 60 months

Minimum Turnover and Trading Age:

Minimum trading history of 12 months

Interest Rate / Factor Rate:

Representative APR from 8.9% to 29.9% depending on asset type and creditworthiness

Fees:

Arrangement fee may apply (0.5% - 2%); early settlement fees may apply

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Minimum Turnover and Trading Age:

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More About Federal Capital

Federal Capital is a UK-based alternative finance provider that offers fast and flexible funding solutions for small and medium-sized enterprises (SMEs). It operates as both a broker and a direct lender, using technology to simplify the application process. The company is authorised and regulated by the Financial Conduct Authority (FCA) and focuses on providing unsecured working capital and business loans to established UK businesses that may not meet the strict criteria of traditional banks.

Key features

Federal Capital provides a fully online application portal with real-time status updates, a dedicated account manager for each client, and no requirement for property or high-value assets as security. The lender may support businesses with a relatively short trading history and offers fixed interest rates for the duration of the loan term. Borrowers should note that a personal guarantee is required from company directors, and early repayment fees may apply depending on the product.

Fast application and decision process, often within 24 hours
No property or high-value assets required as security
Dedicated account management team for each client
Flexible repayment schedules tailored to cash flow
Transparent fee structure with no hidden charges
Support for businesses with poor credit history, subject to review

Eligibility

To qualify for a loan, businesses must have a minimum of 6 months of trading history and a minimum annual turnover of £60,000. For asset finance, a minimum of 12 months of trading history is required. High-risk sectors such as gambling, adult entertainment, cryptocurrency, and certain investment firms are generally excluded. Geographic coverage is limited to the United Kingdom (England, Scotland, Wales, and Northern Ireland).

Loan options

Federal Capital offers business loans, revolving credit facility, and asset finance (via broker partners). All products are unsecured, though personal guarantees are required in most cases. Interest rates vary significantly depending on the product and the borrower's risk profile.

Unsecured Business Loan: £5,000 to £500,000. Terms from 3 to 24 months. Representative APR of 27.8% to 99.9%. No upfront arrangement fees; late payment and early repayment fees (typically 2-4% of the outstanding balance) may apply. Minimum 6 months trading and £60,000 turnover.
Revolving Credit Facility: £5,000 to £250,000. 12-month term, renewable. Interest from 0.5% per week (variable), equivalent to approximately 26% per annum or higher. No arrangement fee; drawdown fees may apply. Interest charged on the outstanding balance only. Minimum 6 months trading and £60,000 turnover.
Asset Finance (via broker partners): £10,000 to £500,000. Terms from 12 to 60 months. Representative APR from 8.9% to 29.9%. Arrangement fee of 0.5% to 2% may apply; early settlement fees may apply. The asset itself serves as security. Minimum 12 months trading history required.

How to apply

Applications are submitted online via the Federal Capital website. Decisions are usually provided within 24 hours, sometimes the same day for straightforward applications. Once the loan agreement is accepted, funds can be released within 24 to 48 hours.

Complete the online application on the Federal Capital website
Provide recent business bank statements (3-6 months), proof of identity (passport or driving licence), proof of address, company registration details, and director/shareholder information
Receive a decision, typically within 24 hours
If approved, accept the loan agreement and receive funds within 24-48 hours

Funding Agent's view

Federal Capital may be a suitable option for established UK SMEs that need quick, unsecured working capital and are comfortable with higher interest rates and mandatory personal guarantees. The lender's speed and flexibility could benefit businesses with strong cash flow that require funding within days rather than weeks. However, the higher cost of borrowing and shorter maximum loan terms (24 months for loans) may not suit every business. Asset finance, offered through broker partners, adds versatility but introduces additional fees. Businesses with less than 6 months of trading history, those in excluded sectors, or those seeking long-term, low-cost funding should consider other options. As with any finance decision, borrowers should review the full terms and compare alternatives before proceeding.