Business Funding,
Done Right.
Excel Capital provides fast, flexible business loans from £5,000 to £1,000,000 — with decisions in hours, not weeks.
Step 1 of 3
How much funding do you need?
Use the slider to select an amount in £5,000 increments.
Funding Based on Performance, Not Personal Credit
Many UK businesses are declined by traditional lenders or left waiting weeks for a response. We do things differently. Access £5k–£1m in flexible working capital, with approvals and funding often completed within a single business day.
We Focus on Your Business, Not Your Credit File
Traditional lenders focus on your credit file. We focus on your business. By assessing revenue, cash flow, and trading activity, we make faster, more balanced decisions — so your personal credit history doesn’t hold your business back.
Funding Beyond What Banks Offer
Banks move slowly — we don’t. Apply in minutes, receive a decision the same day, and access funds without unnecessary delays. No meetings, no paperwork loops, no friction. Just fast, straightforward funding designed to keep your business moving.
Trusted by UK Businesses
Real people. Real experience. Real results.
Designed Around How You Run Your Business
Whether you're covering short-term gaps, investing in growth, or keeping day-to-day operations moving, we offer funding solutions built to support you.
Tailored. Transparent. Trusted.
Solutions backed by real people, real experience, real results.
Revenue-Based Financing
Flexible funding that repays in line with your sales — so repayments ease back when business is quieter.
Fast Business Loans
A quick capital injection for stock, hiring or growth — with decisions often within 24 hours.
Short-Term Capital
Bridge cash-flow gaps with confidence — cover invoices, VAT bills or seasonal dips.
Secured Business Loans
Leverage commercial property or assets to unlock larger amounts at competitive rates.
Fast Decisions
Get a decision in as little as 3 hours.
Flexible Terms
Repayment options that work for you.
Trusted by Businesses
Helping UK businesses grow since day one.
No Hidden Fees
Transparent pricing with no surprises.
A Simple Process, Supported by Real Funding Specialists.
Tell us about your business and we'll help identify suitable funding options. We review your needs, assess what's available, and move things forward quickly — funding made clear, fast, and straightforward.
Simple Online Enquiry
Apply in minutes — with no impact on your credit score.
Fast, Human Review
Real funding specialists review your business, often within hours.
Suitable Lender Matching
We match you with funding options built around how you trade.
No Upfront Fees
A confidential, transparent process — free to explore.
Backed by real UK funding specialists — here to guide you from first enquiry to funds in your account.
Funding Amount
ApprovedFunding Time
3 Hours
Disbursement
Same Day
A Simple, 3-step Process
From application to funds in your account — often within the same business day.
Apply Online
Complete a quick online form — no paperwork, branch visits, or hard credit checks.
Fast Assessment
We assess your revenue, cash flow, and trading activity to deliver a fast, fair decision — often the same day.
Receive Funding
Accept your offer and receive funds directly into your account, often within hours. No delays, no chasing paperwork.
Real businesses. Real funding.Funding Built Around Real Businesses
You don't need perfect credit, property as collateral, or years of financials to qualify. If your business is generating revenue and has been trading for at least a year, you could be eligible — and a quick, confidential enquiry is all it takes to find out.
12+ months trading history
£25k+ average monthly revenue
UK-based registered business
Business bank statements available
A clear funding need in mind
Poor credit won’t automatically exclude you
Confidential enquiry — it won't affect your credit score.
Recent Funding Approvals
Restaurant & Hospitality
London, UK
ApprovedE-commerce & Retail
Manchester, UK
ApprovedManufacturing
Birmingham, UK
ApprovedHealthcare
Leeds, UK
ApprovedConstruction
Bristol, UK
ApprovedHospitality & Leisure
Glasgow, UK
ApprovedSimple Process. Quick Decision. Real Support
We keep funding simple and transparent from start to finish, so you can focus on what you do best — running your business.
Trusted by business owners across the UK
Real businesses, real funding — here's what working with Excel Capital feels like.
“Excel Capital turned around our funding in a single afternoon. The whole process was transparent, fast, and refreshingly free of paperwork. It kept our expansion plans firmly on track.”
Leah Yurfset
Director, Hospitality Group
“After being declined by our bank, Excel looked at the actual performance of our business and approved us the same day. The repayments flex with our revenue, which makes a real difference.”
Roy Gold
Founder, E-commerce Retailer
“Professional, responsive, and genuinely fast. Funds were in our account within hours of accepting the offer. Excel Capital is now our first call whenever we need working capital.”
Nela Yliuay
Owner, Manufacturing SME
Common Questions
Everything you need to know about funding with Excel Capital. Can't find your answer?
Get in Touch
We keep funding simple and transparent from start to finish, so you can focus on what you do best — running your business.