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FAQ

General Questions

We provide a range of business loans, including Starter Loans and Merchandise Loans, designed to meet the unique needs of UK businesses.

To qualify, you must:

  • Be a registered business in the UK.
  • Be at least 18 years old.
  • Have a valid UK driving license.
  • Provide proof of consistent business activity and financial documentation.

Our streamlined process typically provides approval within 24 hours of receiving all required documents.

Loan Products

  • Starter Loan: Up to £60,000.
  • Merchandise Loan: Up to 90% of your monthly card transaction volume.

To qualify for a Starter Loan, you need:

  • A registered business.
  • A valid UK driving license.
  • Three months of bank statements.
  • Proof of address (business and residential).
  • Photos of your shop's interior and exterior (if applicable).

No, we pride ourselves on transparency. All fees and terms are clearly stated in the loan agreement.

Yes, as long as it’s for legitimate business-related purposes, such as purchasing inventory, expanding operations, or upgrading equipment.

Application and Documentation

You’ll need to provide:

  • Proof of identity (e.g., UK driving license).
  • Recent bank statements (last three months).
  • Proof of business and residential address.
  • Business-related documents specific to the loan type.

Yes, depending on your eligibility and repayment history with us.

  • For Starter Loans: Card machines provided by us serve as collateral.
  • For Merchandise Loans: No additional collateral is needed beyond transaction history.

Repayment

Repayments are made in monthly installments for Starter Loans or as a percentage of daily card transactions for Merchandise Loans.

Late repayments may result in additional fees, penalties, or repossession of collateral (if applicable). Please contact us immediately if you face difficulties.

Can’t Find Your Question?

If you have a question not listed here, don’t hesitate to reach out. We’re here to provide the clarity you need to make the best decision for your business.

📧 contact@fundscapital.co.uk
📞 +44 20 7193 6004

Choose Funds Capital to experience a financial partner that prioritizes your success.

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