Customer stories

What owners say after they fund.

Short, anonymised stories from businesses that came through the marketplace. The words are theirs. Everything around them describes what the marketplace does for everyone: one short request, a soft search, and offers that compete on cost.

See my options How Capvant works

Trusted by 2,400+ business owners

When the answer elsewhere was no

A decline is one lender reading one file.

Two stories that start the same way: a business that had already been told no, and a request that had only ever been seen by one desk.

LOGISTICS

A logistics operator

Funded in 48 hours after our bank said no.

Sarah M. · Logistics

Freight is delivered long before it is paid for. Fuel, wages and maintenance leave the account on their own schedule, and the invoice settles on somebody else’s.

The request goes out once, to the funding partners it fits, and looking is a soft search, so it has no impact on your credit score. Competing offers typically come back within hours, and accepted funding can reach the account in as little as 24 hours.

One request, offers back to compare

CONSTRUCTION

A general contractor

I’d been turned down twice elsewhere. Capvant matched me with a lender that said yes.

Nathan E. · General contractor

Lenders do not all want the same thing. A file that is wrong for one appetite can be straightforward for another, which is why being turned down twice is not a verdict on the business.

One request reaches the partners on our panel rather than one desk at a time. Capvant is a funding marketplace, not a lender, so every decision and every term still sits with the individual funding partner.

Matched, not shopped around

When the point was comparing

Offers are easier to judge next to each other.

Two stories about the part owners say they value most: seeing the options together, before committing to any of them.

RETAIL

A retail business

One request, three offers, and no hard credit check.

James T. · Retail

One short request, filled in once, going out to the funding partners it fits instead of being repeated to each of them in turn.

Comparing is a soft search with no impact on your credit score. A hard check only happens if you go ahead with a lender, and you are told before it does.

Soft search while you look

INDUSTRIAL SUPPLY

An industrial supplier

Every offer in one clean view. The decision took ten minutes, not ten days.

Karen J. · Industrial supply

Offers land in one place and are laid out the same way, so rate, term and total cost can be read against each other rather than chased one lender at a time.

The work becomes reading the options instead of collecting them. Nothing is signed until the terms have been seen in full.

One view, every offer

YOUR TURN

Tell us what the business needs and see what our funding partners come back with. Comparing is free for borrowers and has no impact on your credit score.

When it was a plan, not a gap

Some funding is for growth, not for firefighting.

Two stories where the money had a job with a date on it, and the request said so from the start.

TRADES

A trades business

Got the working capital to open our second site.

Daniel R. · Trades

A second site is a plan with a date attached: a lease, a fit-out, a first month of running two places at once.

The request carries what the money is for, offers come back to compare on cost and term, and the one that fits the plan is the one taken. Approval and terms are set by the funding partner, never promised in advance.

Funding shaped to the plan

HOSPITALITY

A hospitality business

Simple and fast, no jargon. Exactly what we needed.

Priya K. · Hospitality

The request is short and written in plain English, and most owners finish it in about three minutes.

From there it is matched to the partners it fits, offers typically come back within hours, and the numbers are shown as rate, term and total cost rather than buried in fine print.

Plain English, start to finish

How these happen

The same four steps behind every story.

None of the stories above got a different process. This is the whole path, and it is the same one you would walk today.

One short request

About three minutes, filled in once. It goes out to the funding partners it fits instead of you repeating yourself to each of them.

STEP ONE

A soft search, not a hard check

Looking at your options has no impact on your credit score. A hard check only happens if you go ahead with a lender, and you are told before it does.

NO CREDIT-SCORE IMPACT

Offers that compete

Competing offers typically come back within hours, with rate, term and total cost laid out side by side instead of a single take-it-or-leave-it quote.

WITHIN HOURS

Funds, once you accept

You take the offer you want, on terms you have seen in full. Accepted funding can reach the account in as little as 24 hours.

AS LITTLE AS 24 HOURS

Every story on this page is anonymised: the words are the customer’s own and the business is described by sector only. Amounts shown in the artwork are illustrative only, in £. Capvant is a funding marketplace, not a lender. There is no guaranteed approval, and every funding decision and term sits with the individual funding partner and is subject to their approval. Funding speed, including any reference to funding in as little as 24 hours, is typical for some products and lenders and is not guaranteed.

Start your own

One short request is all any of these started with.

Tell us what the business needs. Your request goes out once, competing offers come back to compare on cost, and you take the one that fits.

Free for borrowers. Looking has no impact on your credit score.

Disclaimers & footnotes

1Capvant is a funding marketplace, not a lender. We match business owners with third-party funding partners; we do not make credit decisions, lend money, or set rates or terms. All funding decisions, rates, terms and approvals are made solely by the lenders in our network, subject to their criteria.
2Checking your options through Capvant does not affect your credit score. A lender may carry out a soft or hard credit search depending on the product, stage and your consent. A full hard credit check is only carried out where required by a lender before you proceed.
3Funding speed, including any reference to funding in as little as 24 hours, is typical for some products and lenders and is not guaranteed. Actual timescales depend on the lender, the product, and how quickly requested information and documents are provided.
4Funding amounts and ranges are indicative only and vary with your business profile, trading history, the lender and the market. Figures shown are not an offer of finance and do not guarantee any particular amount, rate or approval.
5Any offers, rates or repayment figures shown in illustrations or examples are for demonstration only and are not real quotes. Your actual offers, if any, are provided by lenders and are subject to approval.
6Product availability varies by market. Some products are only available in certain countries. Capvant currently serves businesses in the United States and the United Kingdom.

Capvant is not a lender and does not make credit decisions, we introduce businesses to third-party funding providers. Capvant is not authorised or regulated by the Financial Conduct Authority (FCA).

Capvant does not compare every lender, broker, funding product or offer available in the market. We only show options from funding partners in our network that may be relevant based on the information you provide.

Capvant may receive compensation from lenders, brokers, funding partners or referral partners when a customer is introduced, approved, funded or takes another qualifying action. This compensation does not guarantee that any lender will approve an application or offer specific terms. Capvant does not charge business owners a fee to compare funding options unless clearly stated otherwise.

If you access Capvant through a partner, introducer or embedded funding page, that partner may receive a referral fee or commission if your request results in funding. This does not increase your cost unless expressly disclosed.

Capvant is intended for business-purpose funding only. Eligibility may depend on entity type, location, trading history, revenue, industry and lender criteria. In the UK, Capvant currently focuses on limited companies, LLPs and plcs, and does not currently support sole traders or ordinary partnerships.

Information on Capvant is general information only and is not financial, legal, tax or accounting advice. You should consider whether funding is suitable for your business and seek professional advice where appropriate.

Calculators, eligibility checkers and funding-readiness tools are estimates only. They are based on limited information and assumptions, and do not represent a credit decision, quote, approval or recommendation.

Company information may be sourced from public registers such as Companies House, or from information you provide. Public register data may be incomplete, delayed or inaccurate and should not be treated as a full credit assessment.

The Business Credit Score by Capvant is an independent statistical assessment based on public register data. It is not provided by a credit reference agency and may differ from scores used by individual lenders.

By submitting an application or funding request, you authorise Capvant to share relevant business, owner, request and document information with funding partners, service providers and introducers where necessary to process your request, subject to our Privacy Policy.

Some US commercial financing offers may be subject to state-specific disclosure requirements. Where required, additional disclosures will be provided and must be accepted before a transaction is finalised.