UK business funding comparison

Capvant vs Funding Options: one request, competing offers

Both are platforms, but the flow differs: Funding Options matches you to its lender panel, while Capvant returns competing offers you compare side by side. Capvant's first step is a soft search, no impact on your credit score.

Soft check · no impact on your credit score.²

1 requesta whole network of funders
Soft check²no credit-score impact
Competing offerscompared side by side
You chooseno obligation at any point

Capvant vs Funding Options at a glance

	Capvant	Funding Options
Model	A funding marketplace, not a lender; vetted partners compete for your request	A business finance platform matching businesses with lenders from its panel
Who makes the credit decision	The funding partner you choose, never Capvant	The lender it matches you with, not Funding Options
Credit impact of the first step	Soft search only, no impact on your credit score	Its own search process applies; a full application with a lender can involve a hard check
What one request gets you	Several competing offers laid out side by side	A match to finance from its lender panel
Products covered	Working capital, line of credit, term loans, equipment finance, invoice finance, Revenue Advance	A broad range of business finance products through its panel
Who it's built for	UK limited companies, LLPs and plcs	UK businesses; its own eligibility criteria apply
Brand and track record	A newer, borrower-first marketplace	One of the most established names in UK business finance

Based on publicly stated models at the time of writing, always confirm details with any provider before proceeding.

How it works

Tell us what you need

Answer a few questions about your business and how much funding you’re after. It takes about 60 seconds.

Compare your matched offers

We match you with funding partners and bring back competing offers, a soft search with no impact on your credit score.

Get funded

Pick the offer that fits and get the funds in your account, often within a few working days.

Products you can compare with one request

Working capital

Cover payroll, stock and day-to-day running costs with flexible working capital.

Business line of credit

A revolving credit facility you draw on as you need it, paying only for what you use.

Invoice finance

Unlock cash tied up in unpaid invoices instead of waiting 30-90 days to get paid.

Revenue advance

Take a lump sum today and repay as a small share of your daily card and bank takings.

Written by Sarah Eltaweel, Head of MarketplaceCapvant funding marketplace · Reviewed July 2026

How the two models compare

Both Funding Options and Capvant sit between your business and a range of lenders, rather than being a single bank handing you one product. Funding Options is a well-known UK funding platform that works with a panel of lenders to match businesses with finance. Capvant is a borrower-first marketplace that takes one short request and returns real competing offers from a network of vetted funding partners.

Because both are platforms, the useful comparison is not lender versus lender but model versus model. The practical differences tend to show up in how you submit your details, whether the first search affects your credit file, and how offers are presented back to you. Capvant is not a lender and does not make the credit decision, which always sits with the funding partner.

Platforms change their panels, products and processes over time, so treat this as a guide to the shape of each model and check Funding Options' own site for its current details before you decide.

What Funding Options is well known for

Funding Options has built a recognised name in UK business finance over many years and is a brand that many business owners, accountants and brokers will already know. That familiarity is a genuine strength, and an established platform with a broad lender panel can be a sensible place to start a search.

It works across common business finance products and matches businesses to lenders on its panel. We are not going to put words in their mouth on exact products, eligibility, fees or how matches are made, because those can change. For the current picture, including any costs and which lenders sit on the panel today, check the Funding Options website directly.

How Capvant's marketplace works

Capvant is designed to be borrower-first. You make one short request, a soft search is run that does not affect your credit score, and you receive real competing offers from a network of vetted funding partners. You compare those offers side by side and choose what works for your business. Capvant is not a lender and does not make the credit decision.

The products you can compare include working capital, a business line of credit, term loans, equipment finance, invoice finance and Revenue Advance. The marketplace is built for UK limited companies, LLPs and plcs, not sole traders or consumers, and Capvant also operates in the US.

No marketplace can promise approval, and there is no such thing as 'no credit check' business finance here. The funding partner always reviews your application and makes the final call, and a hard search may follow only if you choose to proceed with an offer.

What to compare before you choose

Whichever platform you lean towards, a few checks help you compare like for like rather than on brand name alone. Run the same questions past Funding Options, Capvant and any other platform you are considering.

These are the points that tend to matter most to a UK business owner deciding how to fund the business.

Whether the first search is a soft search that does not affect your credit score, or a hard search
Whether you receive one recommendation or several competing offers you can compare side by side
The range of products available, such as working capital, business line of credit, term loan, equipment finance, invoice finance and Revenue Advance
How any fees or commissions work, and who pays them
Eligibility, since options here are aimed at UK limited companies, LLPs and plcs, not sole traders or consumers
How your data is handled and which lenders it is shared with
Whether a real person can help you weigh up the offers before you commit

Which might suit you

If you value an established, widely recognised UK brand and you are comfortable with its process, Funding Options may be a natural fit, and there is nothing wrong with starting where you already feel confident.

If you want one short request, a soft search with no impact on your credit score, and several competing offers laid out so you can compare them yourself, Capvant's marketplace model may suit you better. Many businesses also gather offers from more than one platform before deciding.

Either way, neither model guarantees approval and neither can promise a specific rate in advance. The lender reviews your application and decides, so the right choice is the one that gives you a clear, comparable view of your real options.

Decide for yourself: a quick framework

Rather than take any platform's word for it, you can reach a confident decision in a few minutes. Write down what you actually need before you start comparing, then judge each platform against that.

A simple way to do this is to note your funding need, your timeframe and how much certainty you want before committing, then ask each platform the same questions.

What do I need the money for, and how much, working capital, an asset, or a one-off project
How quickly do I need a decision, and can I wait for several offers to come back
Do I want to compare multiple offers myself, or would I rather have one recommendation
Is the first search a soft search that protects my credit score
What are the total costs, including any platform or broker fees, and who pays them
Am I eligible as a UK limited company, LLP or plc, and do I have the documents to hand

Which should you choose?

There is no lender-versus-marketplace divide here, both platforms sit between you and a range of funders. The practical difference is what comes back: Funding Options matches you from its panel, while Capvant returns competing offers you compare side by side after a soft search. Run the same request past both if you want; the terms on the table should decide it.

Choose Capvant if…

You want competing offers from one request, not a single match
You want a soft search first, with no impact on your credit score
You would rather weigh the offers yourself than be steered to one route
You are a UK limited company, LLP or plc

Choose them if…

You value a long-established, widely recognised UK finance brand
You would rather be matched to a lender than compare offers yourself

Funding Options, common questions

Is Capvant a lender?

No. Capvant is a borrower-first funding marketplace, not a lender. It connects your one short request with competing offers from a network of vetted funding partners, and the partner, not Capvant, makes the credit decision.

Will comparing offers affect my credit score?

Capvant's initial search is a soft search that does not affect your credit score. A lender may run a hard search later only if you choose to proceed with an offer. Check how Funding Options handles its initial search on its own site, as approaches can differ.

Is Funding Options better than Capvant?

Neither is simply better. Both are platforms that connect businesses with lenders, and the right choice depends on what you want, an established, familiar brand, or one short request with a soft search and several competing offers to compare. Many businesses look at both.

What products can I compare through Capvant?

Working capital, a business line of credit, term loans, equipment finance, invoice finance and Revenue Advance. The mix of offers you see depends on your business and on the funding partners' own criteria.

Who can apply?

Capvant's marketplace is built for UK limited companies, LLPs and plcs, not sole traders or consumers. Capvant also operates in the US. Eligibility for any individual offer still depends on the funding partner's own checks.

Does using a marketplace guarantee I will get funding?

No. No marketplace can guarantee approval, and there is no 'no credit check' business finance on offer. The funding partner reviews your application and makes the final decision.

Compare real offers in minutes

Make one request and compare competing offers from a network of vetted funding partners. Soft check, no impact on your credit score.

Soft check · no impact on your credit score.²

Disclaimers & footnotes

1Capvant is a funding marketplace, not a lender. We match business owners with third-party funding partners; we do not make credit decisions, lend money, or set rates or terms. All funding decisions, rates, terms and approvals are made solely by the lenders in our network, subject to their criteria.
2Checking your options through Capvant does not affect your credit score. A lender may carry out a soft or hard credit search depending on the product, stage and your consent. A full hard credit check is only carried out where required by a lender before you proceed.
3Funding speed, including any reference to funding in as little as 24 hours, is typical for some products and lenders and is not guaranteed. Actual timescales depend on the lender, the product, and how quickly requested information and documents are provided.
4Funding amounts and ranges are indicative only and vary with your business profile, trading history, the lender and the market. Figures shown are not an offer of finance and do not guarantee any particular amount, rate or approval.
5Any offers, rates or repayment figures shown in illustrations or examples are for demonstration only and are not real quotes. Your actual offers, if any, are provided by lenders and are subject to approval.
6Product availability varies by market. Some products are only available in certain countries. Capvant currently serves businesses in the United States and the United Kingdom.

Capvant is a trading name of Granton Hale Capital LLC. Capvant is not a lender and does not make credit decisions, we introduce businesses to third-party funding providers. Capvant is not authorised or regulated by the Financial Conduct Authority (FCA).

Capvant does not compare every lender, broker, funding product or offer available in the market. We only show options from funding partners in our network that may be relevant based on the information you provide.

Capvant may receive compensation from lenders, brokers, funding partners or referral partners when a customer is introduced, approved, funded or takes another qualifying action. This compensation does not guarantee that any lender will approve an application or offer specific terms. Capvant does not charge business owners a fee to compare funding options unless clearly stated otherwise.

If you access Capvant through a partner, introducer or embedded funding page, that partner may receive a referral fee or commission if your application results in funding. This does not increase your cost unless expressly disclosed.

Capvant is intended for business-purpose funding only. Eligibility may depend on entity type, location, trading history, revenue, industry and lender criteria. In the UK, Capvant currently focuses on limited companies, LLPs and plcs, and does not currently support sole traders or ordinary partnerships.

Information on Capvant is general information only and is not financial, legal, tax or accounting advice. You should consider whether funding is suitable for your business and seek professional advice where appropriate.

Calculators, eligibility checkers and funding-readiness tools are estimates only. They are based on limited information and assumptions, and do not represent a credit decision, quote, approval or recommendation.

Company information may be sourced from public registers such as Companies House, or from information you provide. Public register data may be incomplete, delayed or inaccurate and should not be treated as a full credit assessment.

By submitting an application or funding request, you authorise Capvant to share relevant business, owner, application and document information with funding partners, service providers and introducers where necessary to process your request, subject to our Privacy Policy.

Some US commercial financing offers may be subject to state-specific disclosure requirements. Where required, additional disclosures will be provided and must be accepted before a transaction is finalised.