Business finance built around your business
Could your business get funding with 0% interest for the first 6 months?
Plus receive £500 cashback when you complete onboarding.
Find out what funding may be available in under 60 seconds, backed by real funding specialists who understand UK SMEs.
£2,000–£500,000·Fast decisions·£500 onboarding cashback
Cashback is paid once onboarding is completed and your facility is drawn. Subject to eligibility and terms.
- Fast initial eligibility check
- Flexible funding options
- Speak with a real funding specialist
- UK-based funding specialists
- Straightforward digital application
- Clear costs and terms before you commit
- One point of contact throughout
Finance for the moments that move your business forward.
How this worksImprove cash flow
Bridge the gap between paying suppliers and getting paid by customers.
How this worksBuy stock
Order ahead of a busy season or take advantage of supplier pricing.
How this worksPurchase equipment
Replace ageing kit or add capacity without draining your reserves.
- How this works
Hire your next team members
Cover recruitment and salaries while new people get up to speed.
- How this works
Open a new location
Fund deposits, fit-out and the trading period before it pays its way.
- How this works
Invest in growth
Back a marketing push, a new product line or a bigger contract.
Business finance without the usual friction.
Four stages, with a specialist involved where judgement matters. Nothing is agreed until you have seen the terms.
- 1
See my funding options
Answer a few questions about your business and how much you need.
- 2
Tell us about your business
Share trading details and a financial snapshot. No lengthy forms.
- 3
Review your options with a specialist
A funding specialist talks through what may be available and what it costs.
- 4
Complete your funding
Finalise documentation and agree the terms before anything is drawn.
Finance options
Four ways businesses fund what comes next.
Unsecured Business Finance
For businesses that need working capital without securing finance against a specific business asset.
- Amount
- £2k – £250k
- Term
- 6 months – 4 years
Secured Business Finance
For established businesses seeking larger or more complex funding arrangements.
- Amount
- £50k – £500k
- Term
- 1 year – 5 years
Working Capital
For stock, suppliers, seasonal requirements and short-term cash-flow needs.
- Amount
- £2k – £150k
- Term
- 6 months – 2 years
Growth Finance
For hiring, expansion, equipment, marketing and strategic projects.
- Amount
- £25k – £500k
- Term
- 1 year – 5 years
Why UKCapitalFund
Technology when it makes things faster. People when it matters.
A digital application removes the admin. A specialist handles the part that needs judgement — understanding what your business is actually trying to do.
Fast from the start
A streamlined digital process reduces unnecessary paperwork.
Built around businesses
Assessment considers the context of the business rather than pushing every applicant through an identical journey.
Clear from day one
We explain costs, terms and next steps in plain English.
Real support
You have access to an experienced funding specialist throughout the process.
The application experience
You can always see where your application stands.
Progress, outstanding documents, your specialist and the next required action are on one screen. No chasing, no wondering whether an email arrived.
- Application progress and current stage
- Documents requested, with secure upload
- Messages with your funding specialist
- One clear next action at all times
Sample interface — illustrative data
Funding requested
£120,000
- Funding requirement
- Business details
- Financial snapshot
- Documents
- Specialist review
Next action
Upload three months of business bank statements.
Your specialist
Assigned once your application is submitted.
Funding businesses across the UK economy.
Every sector has its own cash-flow rhythm. Find how funding is typically used in yours.
- ConstructionContract cash flow, plant and materials
- RetailStock cycles and seasonal trading
- HospitalityRefurbishment and quieter months
- Professional ServicesHiring and fee-cycle timing
- ManufacturingMachinery, tooling and order books
- HealthcarePractice equipment and premises
- EcommerceInventory, ad spend and fulfilment
- Transport & LogisticsFleet, fuel and contract ramp-up
Could your business be eligible?
Most applications start with the same few basics. Funding from £2k to £500k, subject to assessment.
- UK-registered business
- Trading with regular revenue
- Business bank account
- Director able to provide details
Business finance is a commitment. Repayments must be met from business income, and missed payments can affect your business. Consider affordability before applying.
Insights
Practical guidance for running and funding a business.
- Business Finance
How lenders actually read your management accounts
What an underwriter looks for first, why one bad month rarely matters, and the figures worth preparing before you apply.
7 min read · Updated 14 July 2026
- Cash Flow
Planning for a seasonal dip without stalling growth
A practical approach to forecasting quieter months and deciding whether short-term funding is the right answer.
6 min read · Updated 30 June 2026
- Funding Guides
Secured or unsecured: choosing the right structure
The trade-offs between offering security and keeping assets free, and when each structure tends to make sense.
8 min read · Updated 11 June 2026
Common questions
Straight answers about eligibility, documents and what happens after you apply. See all questions.
Ready to move your business forward?
Start with an eligibility check, or talk it through with a funding specialist first. Either way you will get a straight answer about what may be possible.
£500 onboarding cashback when you complete onboarding
UKCapitalFund - Funding Circle Ltd is authorised and regulated by the Financial Conduct Authority under firm registration number 722513.
UKCapitalFund - Funding Circle Ltd is not covered by the Financial Services Compensation Scheme.
Registered in England (Co. No. 06968588) with registered office at 71 Queen Victoria Street, London, EC4V 4AY.
UKCapitalFund - Funding Circle Ltd is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your FlexiPay account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011.
UKCapitalFund - Funding Circle Ltd also provides a FlexiPay Business Credit Card. This is separate and unrelated to the account and payment services you receive from Modulr FS Limited. The FlexiPay Business Credit Card is issued by Monavate Ltd (Company Number: 12472532) authorised in the UK by the Financial Conduct Authority to issue electronic money (e-money) and provide payment services (Firm Reference Number 901097). The card is issued by Monavate Ltd pursuant to licence by Visa.
