Funding Options alternatives

A Funding Options alternative built for comparing offers

Funding Options matches you with a lender from its panel; Capvant brings back competing offers from a network of vetted funding partners so you compare them yourself. One short request starts with a soft search, no impact on your credit score.

Trusted by 2,400+ business owners

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

At a glance

Capvant vs Funding Options at a glance

Both providers read on the same rows, in the same order, with no row written for one side only.

Capvant

Funding Options

Model

Capvant

A funding marketplace, not a lender; competing offers from vetted partners

Funding Options

A business finance platform matching you with lenders from its panel

Who makes the credit decision

Capvant

The funding partner you choose, never Capvant

Funding Options

The lender it matches you with, not Funding Options

Credit impact of the first step

Capvant

No impact on your credit score (soft search only)

Funding Options

Its own search process applies; a full application with a lender can involve a hard check

What one request gets you

Capvant

Several competing offers to compare side by side

Funding Options

An introduction to finance from its lender panel

Products covered

Capvant

Working capital, line of credit, term loans, equipment finance, invoice finance, Revenue Advance

Funding Options

A broad range of business finance products through its panel

Who it's built for

Capvant

UK limited companies, LLPs and plcs

Funding Options

UK businesses; its own eligibility criteria apply

Brand and track record

Capvant

A newer, borrower-first marketplace

Funding Options

One of the most established names in UK business finance

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

SOFT CHECK, NO FOOTPRINT

Pick the amount you have in mind and see what funding partners come back with. It starts with a soft search, so your credit file never knows you looked.

How it works

One request, then offers that compete.

The same three steps behind every Capvant comparison, whichever provider brought you here.

Tell us what you need

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

STEP 01

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.

STEP 02

Get funded

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

STEP 03

Funding options

Products you can compare with one request

One short request covers all of them, so the comparison is between structures rather than between forms.

Working capital

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

SEE THE PRODUCT

Business line of credit

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

SEE THE PRODUCT

Invoice finance

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

SEE THE PRODUCT

Revenue advance

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

SEE THE PRODUCT

Looking at Funding Options? Compare the whole picture

Funding Options, now operating as Funding Options by Tide, is a well-known UK business finance platform that helps companies find funding by working with a panel of lenders. If you are weighing it up, it is sensible to compare a few platforms rather than stopping at the first one you find, because the lenders, products, fees and service behind each platform can differ.

This page is here to help you do that fairly. We cover what to look for in a funding platform, how Capvant's marketplace works, and where Capvant sits as one option among several. For current details on Funding Options, including its lender panel, products and pricing, the most reliable source is its own website.

It is worth noting that Capvant is also a funding marketplace rather than a direct lender, so this is not a case of one model versus a completely different one. The useful question is which platform gives you the clearest view of competing offers for your specific situation.

What to look for in a business funding platform

Whichever route you choose, a handful of questions will help you compare like for like. The goal is to understand who you are really dealing with, how your enquiry affects you, and what you will actually pay.

Use the points below as a checklist when you visit any platform, including this one. If a platform cannot answer them clearly, that is useful information in itself.

Is the platform a lender or a marketplace, and who actually makes the credit decision
How an initial quote affects your credit file, a soft search should leave no footprint while a full application later may involve a full check
How many funding partners sit behind the platform and how competing offers are presented to you
Which products are covered, from term loans to invoice finance and equipment finance
How fees or commission work, and whether you can see the cost of borrowing before you commit
What support you get from your first request through to drawdown

How Capvant's marketplace works

Capvant is a borrower-first funding marketplace for UK limited companies, LLPs and plcs. You complete one short request about your business and what you are trying to fund. a soft search is run, which has no impact on your credit score, to understand your profile.

From there, Capvant looks across a network of vetted funding partners and brings back real competing offers where you qualify. You can compare what is on the table and decide whether to proceed. Capvant is not a lender and does not make the credit decision, the chosen funding partner does.

Capvant covers the UK and operates in the US as well, though the products, partners and eligibility differ by market. There is no guaranteed approval, and Capvant will never run your business funding on a no credit check basis.

Products you can compare across platforms

Most UK funding platforms, including Funding Options and Capvant, cover a similar core range of products. The right one depends on what you are funding and how your cash flow works, not on the platform itself.

When you compare options, match the product to the need rather than reaching for whatever is offered first. A short list of the common products is below.

Working capital for day to day running costs and growth
Business line of credit for flexible, drawdown-style access
Term loan for a fixed amount repaid over a set period
Equipment finance for vehicles, machinery and kit
Invoice finance to release cash tied up in unpaid invoices
Revenue Advance, repaid as a share of future income, for businesses with steady turnover

Which option might suit your business

Because both Funding Options and Capvant are marketplaces, the decision is less about choosing a model and more about which platform gives you a clear, comparable set of offers for your circumstances. Consider the products you need, the partners behind each platform, and how transparent each one is about cost.

If you value seeing competing offers from a network of partners with no impact on your credit score to check your options, a marketplace approach can save time versus approaching lenders one by one. If you already have a strong banking relationship or a very specific product in mind, you might also compare going direct.

There is no single right answer here. Many UK business owners shortlist two or three platforms, request offers, and pick the one that best balances cost, terms and speed for their situation.

A simple checklist to decide for yourself

You do not need to take anyone's word for it, including ours. A short, structured comparison will tell you most of what you need to know before you commit to anything.

Run each platform you are considering through the same questions, then compare the answers side by side.

Confirm whether it is a lender or marketplace and who decides on credit
Check that the first step is a soft search with no impact on your credit score
Note how many funding partners are involved and whether offers genuinely compete
List which products are available and which fit your need
Ask how fees or commission are charged and when you will see the total cost
Confirm there is no claim of guaranteed approval and no no credit check promise

COMPARE THE REAL THING

A comparison page can only take you so far. The decision is made on the actual offers, so see what comes back for your business.

Which should you choose

Which should you choose?

Both are platforms rather than lenders, so this is a choice between two ways of reaching a panel of funders, not two different products. Funding Options (now part of Tide) is a long-established brand with a broad lender panel; Capvant is built so one soft-search request comes back with competing offers you weigh up yourself. Shortlist both if you like, the offers in front of you should make the final call.

Choose Capvant if

You want competing offers back from a single request, not one match
You want the first step to be a soft search with no impact on your credit score
You are a UK limited company, LLP or plc funding working capital, equipment or invoices
You would rather compare offers yourself than be steered to one route

SAME ROWS

Choose Funding Options if

You value one of the longest-established brands in UK business finance
You have used Funding Options before and were happy with the outcome

SAME ROWS

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

Is Capvant an alternative to Funding Options?

Both are UK business funding marketplaces that connect companies with a range of funding partners, so it is reasonable to compare them. Funding Options is a well-known platform with its own lender panel and products, and you should check its own site for current details. Capvant offers a single soft-search request that returns competing offers from a network of vetted partners. Comparing both, and any others on your shortlist, is the fairest way to choose.

Is Capvant a lender?

No. Capvant is a funding marketplace, not a lender, and it does not make the credit decision. It presents real competing offers from a network of vetted funding partners, and the chosen partner makes the lending decision and provides the funds.

Will comparing offers on Capvant affect my credit score?

Getting indicative offers starts with a soft search, which has no impact on your credit score. If you decide to proceed with a particular funding partner, that partner may carry out a full credit check as part of its own application, which can leave a footprint. You stay in control of when that happens.

Which businesses can use Capvant?

Capvant works with UK limited companies, LLPs and plcs. It is not designed for sole traders or for consumers. Capvant also operates in the US, where the products, partners and eligibility differ. Funding Options has its own eligibility criteria, so check its site if you are comparing the two.

What can I fund through Capvant?

The marketplace covers common UK business products including working capital, a business line of credit, term loans, equipment finance, invoice finance and Revenue Advance. The right product depends on what you are funding and your cash flow, and the offers you see depend on which partners you qualify with.

Does Capvant guarantee approval?

No. There is no guaranteed approval and no no credit check funding. Capvant shows you the offers you qualify for based on your profile, and the funding partner you choose makes the final credit decision under its own criteria.

Get funded faster

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.

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.