Funding platform comparison

Capvant vs Capitalise: the direct route to competing offers

Capitalise reaches many businesses through their accountants; Capvant is a marketplace you use directly, returning competing offers from vetted funding partners. One short request, one soft search, your credit score is never affected at this stage.

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; vetted partners compete for your request	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

How the two models work

Capitalise and Capvant are both funding platforms that connect UK businesses with finance, rather than lending their own money. That means neither makes the final credit decision on its own balance sheet; the lenders and funding partners on the panel do. Where the two differ is mostly in how you reach them and what sits around the core search.

Capitalise is a well-known UK business finance platform that works with a panel of lenders and has built a strong channel through accountants and advisers, so many businesses first meet it through their accountant. Capvant is a borrower-first marketplace you use directly: you make one short request and see competing offers from a network of vetted funding partners.

For current details on either platform, including products, partners and any fees, check each provider's own website, as these things change over time.

What Capitalise does well

Capitalise has an established reputation in the UK market and a particular strength in working alongside accountants. If you already have an accountant who uses it, that relationship can make introductions smoother and gives your adviser visibility of the process, which suits businesses that like to fund through their existing advisers.

It also offers tools beyond a single application, such as company credit checking and monitoring, which some businesses find useful for understanding how lenders may view them. These are genuine strengths, and for the latest on its product range and partner panel you should look at Capitalise's own site.

How Capvant's marketplace works

Capvant is built around a single, short funding request. When you apply, a soft search is run that does not affect your credit score, then shows you real competing offers from its network of vetted funding partners. Capvant is not a lender and does not make the credit decision itself.

The aim is to let you compare several options from one request, across products such as working capital, a business line of credit, equipment finance, invoice finance, a term loan and Revenue Advance. Capvant serves UK limited companies, LLPs and plcs, and also operates in the US.

Because Capvant does not lend, approval and pricing always come from the funding partner, and no platform can promise approval in advance.

What to compare on any funding platform

Whichever route you lean towards, the same handful of questions help you compare the two fairly and avoid surprises later.

Once you have offers in front of you, read the actual terms, including the APR or factor rate, the total cost and any early repayment terms, before you commit to anything.

Whether the initial search is a soft search with no impact on your credit score
How many lenders or funding partners sit on the panel, and how they are vetted
Which products are covered, from working capital and lines of credit to invoice and equipment finance
Whether you apply directly or through an adviser, and which you prefer
How offers are presented, and whether you can compare them side by side
What fees, if any, apply to you, and who you can speak to for support

Which might suit you

If you already work closely with an accountant who uses Capitalise, or you value its credit tools and adviser-led process, that route may feel natural. The accountant channel is one of Capitalise's genuine strengths and works well for businesses that fund through their advisers.

If you would rather apply directly in one short request, and see competing offers yourself without an impact on your credit score at the search stage, a borrower-first marketplace like Capvant may fit better. Many businesses also get quotes from more than one platform, and from their own bank, before deciding.

Neither model guarantees approval, and the best offer depends on your trading history, the product you need and the lenders involved at the time.

Deciding for yourself

The honest summary is that Capvant and Capitalise are both platform routes to UK business funding, not single lenders, and both can be sensible places to look. The difference is mostly in how you get there and what surrounds the core search.

Use the checklist above, get more than one quote, and compare the real terms on the table rather than the marketing around them. That is the surest way to fund your business on terms that genuinely work for you.

Which should you choose?

Neither is a lender, so this is really about how you prefer to run the process. Capitalise's adviser-led channel and credit tools suit businesses that fund through their accountant; Capvant suits owners who want to make one direct request and compare competing offers themselves after a soft search. Both can sit on the same shortlist.

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 credit-score impact 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 running the process
You value its company credit-insight and monitoring tools

Capitalise, common questions

Is Capvant a lender?

No. Capvant is a funding marketplace, not a lender. a soft search is run that does not affect your credit score and shows competing offers from a network of vetted funding partners. The funding partner, not Capvant, makes the credit decision and sets the terms.

Will comparing offers on Capvant affect my credit score?

Capvant's initial search is a soft search, which does not affect your credit score. If you choose to proceed with a particular funding partner, that lender may carry out its own checks, so always confirm before you formally apply.

How is Capvant different from Capitalise?

Both are UK funding platforms that work with a panel of partners rather than lending themselves. Capitalise is well known for its accountant-led channel and credit tools, while Capvant is a borrower-first marketplace you use directly with one short request. Check each site for current products and partners.

Which products can I look for?

Through Capvant you can explore working capital, a business line of credit, equipment finance, invoice finance, a term loan and Revenue Advance. Capitalise also covers a range of business finance products, so see its site for the current list.

Who can use Capvant in the UK?

Capvant is for UK limited companies, LLPs and plcs, rather than sole traders or consumers. It also operates in the US.

Can either platform guarantee I will be approved?

No. Neither Capvant nor any reputable platform can guarantee approval or promise funding without checks. Approval and pricing come from the funding partner and depend on your circumstances at the time.

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.