Capitalise review

Updated September 30, 2026 · BorrowCue Editorial Team · Facts checked September 30, 2026

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Our verdict

Capitalise suits UK registered firms comparing business borrowing through a marketplace model. You can review rates of 7% to 36% on amounts of £1,000 to £2,000,000 with terms of 3 to 120 months and stated funding in as little as 48 hours.

Key facts

Best for
UK registered firms comparing business loans through a marketplace
APR
7% to 36% (Source, checked September 30, 2026)
Loan amount
£1,000 to £2,000,000 (Source, checked September 30, 2026)
Term
3 to 120 months (Source, checked September 30, 2026)
Arrangement fee
1%-3% arrangement fee (Source, checked September 30, 2026)
Credit check
Soft prequal (Source, checked September 30, 2026)
Funding time
as little as 48 hours (Source, checked September 30, 2026)
Lender type
Marketplace (Source, checked September 30, 2026)
Eligibility
UK-registered businesses operating in the UK (Source, checked September 30, 2026)
Origination fee (%)
1% to 3% (Source, checked September 30, 2026)
Loan types
Business (Source, checked September 30, 2026)
Legal entity
Capitalise.com Platform Ltd (Source, checked September 30, 2026)
Headquarters
United Kingdom (Source, checked September 30, 2026)
Founded
2016 (Source, checked September 30, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 30, 2026)
Features
Credit line
Official website
capitalise.com

Apps and profiles

Elsewhere
TrustpilotLinkedInfacebook.com

Pros and cons

Pros

  • Business amounts of £1,000 to £2,000,000 give room for modest needs and larger growth plans through marketplace.
  • Business terms of 3 to 120 months allow short repayment or extended schedules to suit cash flow.
  • Rates of 7% to 36% start lower than Vivus at 44.5% for stronger business applications.
  • Funding in as little as 48 hours gives a clear timeline for planning drawdown and supplier payments.
  • Support through email, phone and help centre offers phone plus written routes for questions on matches.

Cons

  • Arrangement fees of 1%-3% arrangement fee add to borrowing costs on matched offers through marketplace.
  • Rates of 7% to 36% can rise toward the upper end of the range for weaker applications.
  • Funding in as little as 48 hours is slower than same day options seen at Vivus for urgent needs.
Capitalise

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Who it suits

  • Growth focused firms comparing marketplace offers beyond Qonto when larger business amounts of £1,000 to £2,000,000 matter.
  • Established companies wanting extended business terms of 3 to 120 months rather than the shorter consumer focus of Vivus.
  • Directors who value phone and email support through email, phone and help centre while weighing AXI Card Tarjeta y Credito options.

Who should look elsewhere

  • Personal borrowers seeking consumer credit rather than company borrowing, where AXI Card Tarjeta y Credito may fit better than business.
  • Firms needing consumer style short term credit outside business lending, where Vivus may suit better than terms of 3 to 120 months.

Application and funding speed

You apply through a marketplace that matches your company with lenders, rather than approaching a direct lender alone. Funding is described in as little as 48 hours, which helps you plan around payroll, stock purchases or project deposits that depend on timing. Amounts are listed as £1,000 to £2,000,000, so you can look for a modest facility to smooth seasonal gaps or a larger balance for expansion, equipment or hiring. Terms are shown as 3 to 120 months, which lets you weigh shorter repayment with larger instalments against longer repayment with extended commitment. A shorter term may suit a bridging need such as covering invoices, while a longer term may suit investment that pays back over time. Because offers come from matched lenders, the exact timeline depends on checks, documents and responsiveness, so prepare company details, accounts and bank information in advance. You should compare the offered amount, term and repayment schedule together, rather than focusing on speed alone, to keep monthly payments aligned with expected revenue.

What borrowing costs

Borrowing costs centre on the quoted rate and any lender charge added at outset. Capitalise shows rates of 7% to 36%, so matched offers can vary widely according to company strength, trading history, amount and term. A lower rate keeps the total repayment closer to the amount borrowed, while a rate near the upper end raises monthly payments and total cost in a material way. You should read the quoted rate alongside the repayment schedule to see the full effect over the chosen term. Fees are shown as 1%-3% arrangement fee, which means some lender offers include an arrangement charge. That charge may be deducted from the amount advanced or added to the balance repayable, depending on lender terms, so ask how it is applied before accepting. Comparing both the rate and the arrangement fee across matches gives a clearer view of value than looking at the rate alone. Where two offers look close, the combination of rate, fee and term often explains the difference in total repayment.

How your money is protected

Your protection depends on understanding the role of the platform and the status of the firms involved. Capitalise operates as marketplace, which means it connects businesses with lenders rather than providing the loan itself. Each matched lender sets its own checks, pricing and contract terms, so you should review the lender agreement with care before signing. Authorisation is recorded as 705790 under the Financial Conduct Authority in Great Britain, which provides a clear point of reference for the regulated activity undertaken through the platform. That authorisation does not change the credit risk of borrowing or the need to meet repayments on time. You should confirm the identity of the matched lender, keep copies of offers and agreements, and use the stated support routes if terms are unclear. Careful record keeping around amount, term, rate and fees helps you manage the facility through its life.

How Capitalise compares

Where Capitalise is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (705790), checked September 30, 2026

Countries from the brand (Source, checked September 30, 2026)

Frequently asked questions

How much can my business borrow and for how long+

Capitalise lists business amounts of £1,000 to £2,000,000 with terms of 3 to 120 months. You choose the size and repayment period shown by lenders, then compare matched offers side by side before proceeding with an application.

What rate will my business pay+

Capitalise shows rates of 7% to 36% for business borrowing. The exact rate you receive depends on the lender match, your company profile and the term selected, so comparison of the quoted rate matters before you accept.

Is there an arrangement fee+

Capitalise notes fees of 1%-3% arrangement fee on business loans. An arrangement fee is added to the cost of borrowing and varies by lender, so you should check whether it is deducted from funds or added to repayments.

How fast could my company receive funds+

Capitalise indicates funding in as little as 48 hours after approval. Timelines vary by lender checks and company documents requested, so having accounts and bank details ready helps keep the review moving.

Is Capitalise a direct lender and is it regulated+

Capitalise operates as marketplace under authorisation 705790 from the Financial Conduct Authority. It matches firms with lenders rather than lending directly, and lender terms govern the final agreement.

Who can apply through Capitalise+

Capitalise serves UK registered businesses operating in the UK and offers business products with credit line choice. Personal borrowers or firms outside that scope should consider Qonto or AXI Card Tarjeta y Credito instead.

How do I get help with an application+

Capitalise lists support through email, phone and help centre. You can call for guidance on matching, use email for records, or browse the help centre for explanations of terms and lender requirements.

Sources

Compiled from 6 source pages, checked September 30, 2026. We did not open an account.

Not confirmed yet: Representative example.

Capitalise

Capitalise

UK registered firms comparing business loans through a marketplace

8.7/10See alternatives

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