Question 1

Who is Capitalise and how can you help me secure funding?

Accepted Answer

Capitalise is an FCA-regulated platform built to support UK businesses in taking control of their financial health. We make it easy for business owners to access funding by connecting them with over 100 trusted UK lenders.Our intelligent platform matches you with lenders based on your business needs and ranks options based on past success rates - helping you make confident, informed decisions.When you apply through Capitalise, you're not alone. Every application is supported by a dedicated funding specialist who will:[object Object],[object Object],[object Object]With Capitalise, you can compare offers side by side and secure the best funding solution for your business with expert support at every step.

Question 2

Is Capitalise a lender?

Accepted Answer

[object Object], We help business owners access funding and compare offers from over 130 trusted UK lenders. As a financial platform regulated by the FCA since 2016, we help businesses build and monitor their credit scores and connect them to lenders.

Question 3

How fast can I get a business loan?

Accepted Answer

Some lenders can fund within ,[object Object],. At Capitalise, we work with ,[object Object],, including ,[object Object],. If you need funding fast, your dedicated funding specialist will guide you to the best-fit lenders for a quick turnaround.

Question 4

How much can my business borrow?

Accepted Answer

If you're looking for a business term loan, repayments will be made monthly across the term, for example over 12, months, or 24 months, etc. To determine how much your business can borrow, lenders will consider some of the following:[object Object],[object Object],[object Object]For example, if your business took a £120,000 loan for 2 years then it would need to repay £5,000 plus interest every month. This means that your business would need to generate significantly more than £5,000 each month in cash to comfortably afford that loan. This is what lenders are looking at when it comes to affordability.When considering how much you can borrow, lenders want to see that this repayment will come from free cash flow in your business, coming after your necessary expenses and existing financial obligations. This will include any existing repayments, dividends or periodic payments you might have.Once you have deduced these expenses from your existing cash flow, it should give you an idea of how much you can comfortably and realistically borrow. Our business term loan calculator can help you calculate how much you might be able to borrow within this budget.

Question 5

Which lenders should I apply to for a business loan?

Accepted Answer

Each lender will specialise in different products and sometimes specific business sectors, so which lenders you should apply to will depend on what you need to use the loan for and whether you meet their individual criteria. When you check your eligibility with Capitalise, we'll consider the information provided such as: [object Object],[object Object],[object Object],[object Object]We'll then match you with 4 lenders most likely to approve you for a loan out of our panel of 100+ UK lenders. With this information, you'll know which lenders to apply to, which funding products are best suited and how much you could borrow. You'll also be able to speak with our funding specialists to help put your application together and apply for funding.

Question 6

Will applying for funding affect my credit score?

Accepted Answer

When you go beyond getting a quote and actually apply for funding, a lender will do something called a hard search of your business credit profile. Too many of these hard credit searches in a short space of time can have a negative impact on your business credit score. This can happen if you’re not entirely sure what kind of funding is the best fit for your business so you cast a wide net with lots of applications.When you search for funding through Capitalise, you fill in one application form and we send that on to lenders for you. We keep the number of hard searches to a minimum by making sure we only send your application to the lenders most likely to approve your business for funding. Usually this is between two and four of the carefully selected lenders we work with.

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capitalise is TRUSTED BY 100K+ UK BUSINESSES

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