Compare UK business funding

The Capitalise alternative you can use directly

Capitalise is best known for its accountant-led route; Capvant is built for owners who apply directly and compare competing offers themselves. It starts with a soft search that has no impact on your credit score.

Soft check · no impact on your credit score.²

1 requesta whole network of funders
Soft check²no credit-score impact
Competing offerscompared side by side
You chooseno obligation at any point

Capvant vs Capitalise at a glance

	Capvant	Capitalise
Model	A funding marketplace, not a lender; competing offers from vetted partners	A business finance platform working with a panel of lenders
How you typically reach it	Directly, you make one short request yourself	Often through your accountant, a genuinely strong adviser-led channel
Who makes the credit decision	The funding partner you choose, never Capvant	The lender on its panel, not Capitalise
Credit impact of the first step	Soft search only, no impact on your credit score	Its own process applies; a full application with a lender can involve a hard search
What one request gets you	Several competing offers to compare side by side	A route to its lender panel, with your adviser kept in the loop
Extra tools	Focused on the funding request itself	Company credit insight and monitoring alongside funding
Who it's built for	UK limited companies, LLPs and plcs	UK businesses, especially those funding through their accountants

Based on publicly stated models at the time of writing, always confirm details with any provider before proceeding.

How it works

Tell us what you need

Answer a few questions about your business and how much funding you’re after. It takes about 60 seconds.

Compare your matched offers

We match you with funding partners and bring back competing offers, a soft search with no impact on your credit score.

Get funded

Pick the offer that fits and get the funds in your account, often within a few working days.

Products you can compare with one request

Working capital

Cover payroll, stock and day-to-day running costs with flexible working capital.

Business line of credit

A revolving credit facility you draw on as you need it, paying only for what you use.

Invoice finance

Unlock cash tied up in unpaid invoices instead of waiting 30-90 days to get paid.

Revenue advance

Take a lump sum today and repay as a small share of your daily card and bank takings.

Written by Sarah Eltaweel, Head of MarketplaceCapvant funding marketplace · Reviewed July 2026

Looking at Capitalise? Start by comparing the model, not just the brand

Capitalise is a real, established company in the UK funding market, and plenty of businesses find it a useful way to explore finance. If you are researching alternatives, the goal is usually the same: fund your limited company without spending days ringing round individual lenders, and without guessing whether you are getting a fair deal.

The most useful thing you can do is compare how each platform actually works rather than which name you recognise. That means looking at how your details are shared, whether checking your options affects your credit score, how many funders you reach, and who ultimately makes the lending decision.

Products and terms change often, so treat this page as a framework. For Capitalise's current product range, eligibility and pricing, check capitalise.com directly, and do the same for any platform you shortlist, including Capvant.

What Capitalise is known for

Capitalise is a well-known UK funding platform that works with a panel of lenders, and it is widely used across the accountancy profession, with many firms offering it to their clients. That route can be genuinely helpful if your accountant is already set up to support a funding application.

It is also known for tools beyond a simple application, including features around business credit insight and monitoring. For some owners, having that context alongside funding options is a real plus.

We are not going to put numbers, rates or review scores against the Capitalise name here, because those move and you should verify them at source. The fair summary is that Capitalise is a capable, established player, and it is reasonable to have it on your shortlist while you compare how other platforms work.

What to look for in a business funding platform

Whichever platform you choose, a few practical questions will tell you most of what you need to know. They apply equally to Capitalise, to Capvant and to any broker or comparison site you come across.

Run any shortlist through the same checklist so you are comparing like for like rather than marketing language.

Credit impactdoes getting indicative options use a soft search with no impact on your credit score, and is a hard search only run later if you proceed

Breadth of choicedo you reach a single decision or genuinely competing offers from a network of funders

Who decidesis the platform a lender making its own credit decision, or a marketplace passing you to vetted funding partners

Products coveredworking capital, business line of credit, equipment finance, invoice finance, Revenue Advance and term loan, so the platform can match the right tool to your need

Efforthow many times do you have to re-enter the same information, and how long does a first view of options take

Transparencyare fees, who pays them and the lender's identity clear before you commit

Eligibility fitis it built for UK limited companies, LLPs and plcs, and is your size and trading history in scope

How Capvant's marketplace model works

Capvant is a borrower-first funding marketplace, not a lender. We do not make the credit decision and we do not lend our own money. Instead, you make one short request and a soft search is run that has no impact on your credit score, then show you real competing offers from a network of vetted funding partners.

Because the offers compete, you can weigh them side by side across working capital, a business line of credit, equipment finance, invoice finance, Revenue Advance and term loans, and choose the one that fits. The funding partner you select makes the final decision and any later credit check, on their own terms.

Capvant operates in the UK and the US. In the UK we work with limited companies, LLPs and plcs rather than sole traders or consumers, and there is no SBA-style scheme here, so we keep the products relevant to UK businesses. We do not promise guaranteed approval or anything described as no credit check, because honest funding does not work that way.

How the two models differ, and what to compare

Capitalise and Capvant both aim to connect businesses to finance, so the honest framing is about how the models differ rather than claims that one is cheaper, faster or better. A marketplace like Capvant focuses on surfacing competing offers from multiple partners off a single soft-search request. Capitalise is a broader platform with a strong accountant-led route and additional credit insight tooling.

Neither approach is automatically right. If your accountant already uses a particular platform and you value that hands-on support, that may steer your choice. If you would rather start the search yourself and see competing offers quickly without an early credit-score hit, a marketplace flow may suit you better.

To decide for yourself, put both in front of the same checklist above. Ask each one: will this affect my credit score now, how many funders will I reach, who makes the decision, and is the cost clear before I commit. Then verify the specifics on each provider's own site before you apply.

Other options worth a look, and making the decision

Capitalise and Capvant are not the only routes. You can approach your existing bank, use a regulated commercial finance broker, go direct to a specialist lender, or compare other funding marketplaces. Each trades off breadth of choice against the effort of doing the legwork yourself.

Going direct to one bank is simplest but shows you a single view. A broker can add expertise but may focus on a narrower set of funders. A marketplace is designed to widen the field from one request, which suits owners who want to compare before they commit.

A sensible path is to shortlist two or three routes, run them through the same questions, and only let a platform run a hard credit search once you have chosen an offer you actually want. That keeps your options open and your credit profile protected while you decide.

Which should you choose?

Capitalise's accountant-led channel and credit tools are genuine strengths, and if your adviser already uses it that route works well. Capvant is the more direct path: one request from you, a soft search, and competing offers to compare yourself. Choose based on whether you want your accountant driving or your own hands on the wheel.

Choose Capvant if…

You want to apply directly rather than through an adviser
You want competing offers back from one soft-search request
You want no impact on your credit score until you choose to proceed
You are a UK limited company, LLP or plc

Choose them if…

Your accountant already uses Capitalise and you want them involved
You value its company credit-insight and monitoring tools

Capitalise, common questions

Is Capvant a lender or an alternative to Capitalise?

Capvant is a funding marketplace, not a lender. It is an alternative way to find finance: you make one short request and see competing offers from a network of vetted funding partners, who make the actual lending decision. Capitalise is a separate, established platform, so it is fair to compare both before you choose.

Will comparing options on Capvant affect my credit score?

Getting your indicative options uses a soft search, which has no impact on your credit score. A hard credit check is only carried out later by the funding partner you choose, if you decide to proceed with their offer. Always confirm how any platform handles searches before you apply.

Who can use Capvant in the UK?

Capvant works with UK limited companies, LLPs and plcs. It is not designed for sole traders or for consumer borrowing. Capvant also operates in the US, but UK products and eligibility are kept relevant to UK businesses, with no SBA-style scheme.

What funding products can I compare through Capvant?

You can compare working capital, a business line of credit, equipment finance, invoice finance, Revenue Advance and term loans. The aim is to match the right product to your need and let suitable funding partners put forward competing offers.

How is a marketplace different from going direct to my bank?

Going direct to one bank gives you a single decision and a single view. A marketplace like Capvant lets you reach multiple funding partners from one request, so you can weigh competing offers side by side. Neither is automatically better; it depends on whether you value a single trusted relationship or a wider comparison.

Does Capvant guarantee approval or offer no credit check funding?

No. Capvant does not promise guaranteed approval and does not offer no credit check funding. Indicative options come from a soft search, and the funding partner you choose makes the final credit decision on their own terms. Be cautious of any provider claiming otherwise.

Compare real offers in minutes

Make one request and compare competing offers from a network of vetted funding partners. Soft check, no impact on your credit score.

Soft check · no impact on your credit score.²

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 a trading name of Granton Hale Capital LLC. 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 application 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.

By submitting an application or funding request, you authorise Capvant to share relevant business, owner, application 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.