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UKCapitalFund

Growth finance

Growth finance

Funding for the deliberate steps — hiring, a new site, larger contracts, new equipment or a serious marketing push — where the payback runs over months rather than weeks.

Configured amounts
£25,000 – £500,000
Terms
12 – 60 months
First 6 months
Interest-free, capital only

No interest is charged for the first six months — you repay capital only. Interest applies to the remaining balance from month seven, spread across the rest of the term. Every request is reviewed by a funding specialist.

Who it suits

Is this the right fit for your business?

Funding works best when the structure matches the reason for borrowing. These are the situations this option is usually suited to.

  • Businesses with a specific, costed growth plan
  • Companies winning work they cannot currently service
  • Owners expanding capacity, headcount or footprint
  • Businesses investing ahead of demand they can evidence

Common uses

What businesses use it for

  • Recruitment and the period before new hires are productive
  • Opening or fitting out a second location
  • Equipment that increases capacity
  • Marketing and new product launches
  • Delivering a larger contract than usual

How it works

From enquiry to completion

  1. 1

    Start with the plan, not the amount

    We ask what the investment is meant to achieve and when it pays back. That shapes both the amount and the term.

  2. 2

    Term matched to payback

    Growth investment usually needs a longer term than working capital, so repayments do not bite before the return arrives.

  3. 3

    Staged where it makes sense

    Some projects suit funding in stages rather than a single lump sum drawn on day one.

  4. 4

    Reviewed against reality

    If the plan changes, it is better to talk early than to let a facility become the wrong shape.

What we ask for

Have these to hand and the process moves faster

We will always tell you exactly what is needed before you upload anything.

  • Recent business bank statements
  • Management accounts or your most recent filed accounts
  • Details of existing finance commitments
  • Company details and identification for directors
  • An outline of the growth plan and expected payback
  • Any contracts or orders supporting the request

Illustrative figures

See what repayments could look like

A calculation based on a rate assumption held in site configuration. It is not a quotation and not a credit offer.

£2,000 – £500,000

£2k£500k

Months 1–6 · interest-free

£3,125.00

Then £3,453.80 a month for the remaining 18 months

Total repayable£80,918Cost of finance£5,918

No interest for the first 6 months — you repay capital only.

Illustrative estimate. Figures are worked out from a configured assumption that has not been verified and are not a quote or an offer of finance. Actual rates, terms and availability depend on assessment of your business.

See my funding options

Business finance is a commitment. Repayments must be met from business income, and missed payments can affect your business. Consider affordability before applying.

Things to weigh up

What to consider before you borrow

Business finance is a commitment. These are the points worth thinking through honestly before you apply.

  1. Growth costs before it pays

    Hiring, fit-out and marketing all take money out before they bring it in. Build that lag into your forecast.

  2. Optimistic forecasts are the biggest risk

    Model a slower ramp-up than you expect and check the repayments still work.

  3. Longer term, higher total cost

    A longer term eases monthly pressure but increases the total amount repaid.

  4. Not every plan should be funded now

    Sometimes the honest answer is to wait a quarter. We would rather say that than write a facility that strains the business.

FAQs

Questions about this option

Other options

Compare other structures

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

See my funding optionsTalk to a specialist

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.