Business funding for UK companies
One short request matches you with funding partners and brings back competing offers, so you can compare and choose with no impact on your credit score.
Every shape of funding, sorted by the job it does.
Products are grouped by the problem they solve rather than by lender category, because that is how the decision actually gets made. Each one opens its own page, and one request compares them all.
Money for the running of the business
Short-term finance for a short-term timing problem: payroll, stock, a quiet stretch, a busy season that has to be paid for before it pays for itself.
Cash that is already yours, just not yet paid
The work is done and invoiced. These shapes release most of that value now instead of leaving it parked in the sales ledger.
Kit, vehicles and machinery
A hard asset with a clear resale value can carry its own finance, so the cost spreads across the years the asset earns.
One priced plan, one repayment schedule
A known amount, spent once, repaid over a set term. The longer and larger the plan, the more the structure and the security matter.
Bills and stock that land at the wrong moment
One lumpy liability, or a supplier who wants paying long before the goods turn into sales. Both are worth funding on their own rather than through the whole cycle.
Not sure which one you are looking at? Start with the job you need done, or make one request and let the offers tell you.
You do not have to pick the product first. Tell us what the business needs and UK funding partners come back with the shapes that fit it.
Start with the job, not the product name.
Most funding decisions come down to one question: what is the money actually for, and when does it come back? Answer that and the shortlist gets short.
The bills land before the money does
Payroll through a quiet stretch, stock ahead of a busy season, a predictable seasonal dip, or one large new order to fulfil before the customer pays. That is working capital at its best, and if the need keeps coming back rather than happening once, a revolving credit facility rewards you for only paying on what you draw.
The cash is sitting in unpaid invoices
If long payment terms are what is holding you back, invoice finance is usually the cheaper shape than funding the whole cycle. Invoice discounting keeps collections and customer relationships firmly in-house and stays confidential, while invoice factoring hands the chasing over, which suits a business without its own credit control function.
You are buying kit, a vehicle or machinery
Asset finance is at its best when you are buying a defined, revenue-generating asset with a clear resale value and would rather not sink a lump sum into one purchase. Spreading the cost while the equipment earns is the whole point, and hire purchase and leasing sit inside the same request.
One bounded cost with an end in sight
A short-term business loan suits a specific need you can point at: a seasonal stock build, an unexpected but essential cost, or an opportunity that will not wait. Where the amount is larger and the horizon longer, a business term loan gives you the same certainty across more months.
Something substantial and long-lived
Secured lending tends to suit premises, an acquisition, refinancing or consolidating existing borrowing, because pledging assets can unlock larger sums and longer terms than unsecured borrowing does. If you would rather keep property, stock and equipment free for other uses, an unsecured business loan is the faster, simpler route, often supported by a director guarantee instead of a charge over an asset.
Your takings swing week to week
A merchant cash advance fits businesses taking a good share of payments by card, common in retail, hospitality and salons. You repay an agreed slice of daily sales, so a quiet month costs less and a strong month clears the balance faster. A revenue advance works the same way across wider takings rather than card sales alone.
A large tax bill you would rather not pay in one go
VAT and tax loans suit an otherwise healthy business facing a lumpy, predictable liability. Spreading that one bill protects the cash you need for stock, wages and growth, rather than funding the whole operating cycle to cover a single date.
Your cash gets locked up in stock
Trade and import finance is built for importers paying suppliers ahead of shipment and for wholesalers buying in volume. If you regularly delay or turn down orders because you cannot fund the stock up front, that is the gap it is designed to close.
Capvant is a funding marketplace and introducer, not a lender. Every amount, rate, term and decision sits with the individual funding partner and is subject to their approval.
Frequently asked questions
What types of business funding can I compare?
Capvant covers working capital, business line of credit, equipment & asset finance, invoice finance, revenue advance, business term loan, unsecured business loans, secured business loans, merchant cash advance, invoice discounting, invoice factoring, short-term business loans, vat & tax loans, trade & import finance, all in one place.
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.
The easiest way to fund your business.
Compare offers from multiple partners in minutes, no obligation, no credit-score impact.
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.