Eligibility Criteria and Application Requirements for Business Funding Through Capitalise
Capitalise offers businesses access to a wide range of funding solutions by connecting you with a panel of 130+ business lenders. To ensure a smooth application process, it is important to understand the eligibility criteria, required documentation, and how applications are processed.
General Eligibility Criteria
To qualify for business funding through Capitalise, your business must meet the following requirements:
Business Registration: Your business must be officially registered.
Trading History: Your business must have been actively trading for at least 6 months.
Monthly Turnover: Your business should generate a minimum monthly turnover of approximately £3,000–£4,000.
What if my business hasn't started trading yet?
Our lending panel works with businesses that have an active trading history, we don't currently work with lenders offering pre-revenue, seed-stage, or "idea only" funding. If your business hasn't started trading yet, or has been trading for less than 4 months, we won't be able to match you with a lender through Capitalise at this stage.
Do I need a personal guarantor?
It depends on the lender. Some lenders will ask for a personal guarantee, depending on their own risk assessment of your application. This is decided case by case by the lender, not by Capitalise. Simply let your funding specialist know as you discuss your needs with them.
Documentation Requirements
Lenders typically require the following documents to assess your application:
Recent Business Bank Statements: These are used to evaluate your business's financial health and repayment ability.
Evidence of Trading Activity: This demonstrates consistent business operations.
If you are unable to provide one year of filed accounts, you can still proceed with your application. A funding specialist will review your circumstances and advise on the necessary documentation to move forward.
How to apply
You can start your application online on our secure platform: apply now
Applying is free and does not impact your credit score. You'll be asked for some information about your business and your funding needs to get started.
Application Process
Once you submit your application through the Capitalise platform, expect a call from us.
Review by a Funding Specialist: A dedicated funding specialist will give you a call to discuss your funding applications and understand your needs.
Matched with lenders: we will match you with suitable lenders after assessing your business profile.
At any point in time during this process, if you wanted an update on your application, you can call us on 020 3696 9700 from 9am to 5pm, Monday to Friday