Working capital that never touches your credit score
Payroll, stock and rent come due long before your customers pay. One short request brings back competing working capital offers, and the search behind it is soft, so your credit file never knows.
The money is coming. The bills come first.
You buy stock or materials, pay the team, deliver the work, then wait thirty, sixty or ninety days to be settled. That wait is the working capital cycle, and the longer it runs the more of your cash sits inside the business instead of in the bank.
Growth, seasonality and slow-paying customers all stretch it wider, which is exactly when a profitable company can still run short. Working capital is short-term finance for that short-term problem, not debt you carry for years.
Short-term finance for a short-term gapFour bills that will not wait for your customers.
These are the outgoings that land at the wrong end of the cycle. Funding them is the whole job.
The payroll run
Wages land on the same date every month, whether or not your customers have settled. It is the one outgoing that cannot slip.
Stock and materials
You pay suppliers before the stock sells, so the cash leaves at the start of the cycle and comes back at the end of it.
The VAT quarter
VAT, Corporation Tax and Self Assessment are all sized on trade you have already done, and all fall due on a fixed date whether or not the invoices behind them have been settled.
The seasonal build-up
A busy season has to be funded weeks before it pays for itself, and the quiet weeks before it are usually the tightest.
If the squeeze is really one or two large unpaid invoices, invoice finance is often the cheaper shape. If it is the quarter itself, a VAT or tax loan spreads that one bill instead of funding the whole cycle, and stock bought in from overseas usually sits better with trade and import finance. One request lets you compare them side by side.
Amounts are sized to your turnover, not to a product tier. Pick a range and see what UK funding partners come back with.
One lump sum, or a facility you draw on.
A short-term working capital loan gives you a single sum you repay over a set period, which suits a one-off, known need. A revolving credit facility instead lets you draw what you need, repay, and draw again, with cost only on the part you have actually used.
Amounts are sized to your turnover rather than to a fixed product tier, and terms are short by design because the point is to cover a temporary gap. Repayment is commonly arranged daily, weekly or monthly, and many funders shape the cadence around your cash flow.
Terms sized to the gap, not to a product tierOne request, then offers that compete.
You fill in one short form, it goes out once to the funding partners matched to it, and real offers come back with rate, term and total cost laid out side by side.
See the full walk-through, step by step.
Pick the amount you have in mind. It takes about three minutes and the search behind it is soft, so your credit file never knows you looked.
What a funder actually looks at.
Working capital decisions lean on the ability to repay from everyday trade, so recent revenue, time trading and the rhythm of money in and out carry more weight than any single number. Recent bank statements usually do most of the talking. Credit history is part of the picture, rarely the whole story.
- Time trading and overall business age
- Recent monthly or annual turnover
- The consistency and seasonality of your cash flow
- Your industry and how your customers typically pay
- The credit profile of the company and its directors, plus any existing commitments
Looking is a soft search
Seeing what is realistically available leaves no mark on your credit file.
A full check only if you proceed
A funder runs a full credit check when you decide to go ahead with their offer, and you are told before that happens.
Hours, not weeks
Competing offers typically come back within hours, and accepted funding can reach the account in as little as 24 hours.
Capvant is a funding marketplace, not a lender. Every figure, term and decision sits with the individual funding partner and is subject to their approval.
Frequently asked questions
What is working capital?
Cover payroll, stock and day-to-day running costs with flexible working capital. Through Capvant you compare working capital offers from multiple funding partners in one place, then choose what works for your business.
How much can I borrow?
Amounts depend on your trading history, turnover and the offers our partners make. Many businesses access £5,000 to £500,000 and beyond.
Will checking my options affect my credit score?
No. Seeing your options through Capvant is a soft search, so it leaves no mark on your credit file. A lender only runs a full credit check if you decide to accept an offer.
Is Capvant a lender?
No. Capvant is a funding marketplace, we match you with funding partners and you choose the offer that suits you. Funding decisions, rates and terms are set by the lender, subject to approval.
How fast can I get funded?
Once you accept an offer, many businesses receive funds within a few working days, some products fund same day.
Fund the gap, not the year.
One request brings back competing working capital offers, and looking never touches your credit score.
No obligation. Checking your offers won’t affect 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.