Explore more insights

We've partnered up with Clear Books to help small businesses tackle financing challenges

Helping UK small businesses get access to much needed finance

Oliver Cummings Oct 07, 2021

Today, Clear Books and Capitalise are announcing their innovative new partnership to help small businesses and their advisers access financing to help them grow, and to protect their business.  Half a million UK SMEs have cash reserves of only four weeks or less, and nearly half are at high risk.  The partnership includes an integration between Clear Books and Capitalise, the first of the kind for each, which allows small businesses to eliminate the panic and stress often involved in obtaining finance.

The average SME has £30k in outstanding delayed payments, meaning that easy access to finance is critical for small businesses.  As the economy recovers it could allow them to take advantage of new opportunities to fuel growth as well as to help protect themselves against further unforeseen shocks.


Most small businesses who need financing only realise this late in the piece - and take action even later.  The Clear Books/Capitalise partnership means that businesses have ongoing insight of their financial performance and their possible need for capital, and provides a streamlined process to find and apply for a business loan.


Clear Books makes it easy to keep the business’ books up to date, meaning the business is always “loan-ready.”  Clear Books also provides business owners with insights when financing may be helpful or necessary.  From within the accounting software, the business owner can share their business and financial information directly with Capitalise’s finance search platform, reducing the time it takes to gather the information and documents needed for a loan application.  Capitalise’s team supports the small business to find the right financing for them, and get their financing approved.


Capitalise works with over 100 lenders, covering many financing options including popular working capital loans, and loans via the attractive government-backed COVID-19 Recovery Loan Scheme (RLS).


Because Clear Books users are loan-ready, it’s fast and easy to find the right loan, and even faster and easier to apply.  Loans are approved faster, and the business owner avoids stress - all of which frees them up to spend their time on what matters most to them.


The integration is available now for eligible Clear Books users.


Ruth Fouracre, CEO at Clear Books said: “The Clear Books partnership with Capitalise is the latest addition to our suite of embedded finance applications.  Building on bank feeds, invoice payments, and bill payments, the addition of loans and financing through the integration with Capitalise anchors Clear Books as the central finance hub for small businesses making it easier for small business owners to manage their business finances.“

Paul Surtees, CEO at Capitalise said: “Clear Books' suite of embedded finance applications is a great step forward in helping their users navigate the financial landscape.  The rich financial data that Clear Books has really advances the speed and efficiency of Capitalise's funding service.  This partnership will improve the quality of matching and reduce the time and stress of accessing finance for small businesses.  We are excited to embed the Capitalise service into the Clear Books platform and help small business owners through this economic recovery.”



Olly Cummings, Commercial Director, olly@capitalise.com, 0203 6969704

alternative finance
invoice finance
case study
trade finance
contract finance
working capital
startup loans
fashion finance
merchant cash advance
future accountant
product of the month
women in funding
partner of the month
business tips
live session
international women's day
covid19 coronavirus
corporate finance
accounting firm
asset finance
hire purchase
business funding
business credit score
south africa
small business
business loan
property finance
commercial mortgage
credit imporvement
spring budget 2023
small businesses
spring budget
credit score
commercial mortgages
trade debtors
cash flow
truck finance
late payments
lorry finance
building a financial safety net
trade debtor days
bridging loan
credit checks
interest rates
balance sheet
bad debt
company credit checks
debt collection
credit control
check company credit
business loans
instant offer
credit scores
credit review service
Follow Us
Sign Up to Receive Updates

Signup to our newsletter

Have insights about the accounting community sent straight to your inbox. Sign up to our newsletter.