Capitalise.com

What Capitalise.com does

Capitalise.com is a UK-based fintech platform founded in 2015 and operated by Capitalise.com Platform Ltd, providing Experian-powered business credit scoring and a funding marketplace to UK small and medium-sized businesses. The platform, FCA-regulated since 2015 (reference 705790), gives companies visibility into their actual business credit scores, credit limits, and the factors impacting creditworthiness — the same data used by major UK banks and lenders — and has facilitated £2bn in cumulative funding approved across a user base of over 200,000 UK businesses.

The core technology stack is built on Experian's CATO (Current Account Turnover) and CAIS (Credit Account Information Sharing) data schemes, which supply bank-grade credit profile data. Capitalise layers on company credit checks for supply-chain risk management, alerting on late payments, County Court Judgments, and emerging cash-flow risks. A secondary product, Capitalise for Accountants, serves accountancy firms and business advisers as both an advisory platform and a distribution channel. The company maintains listed integrations with Sage, Xero, and QuickBooks accounting platforms, runs on Microsoft Azure infrastructure, and exposes a developer API for partner embedding.

Capitalise monetises through a freemium model: a free basic tier for UK limited companies and paid Startup, Pro, and Enterprise subscription tiers priced from under £1 per day. Revenue is generated from two streams — recurring subscriptions for advanced credit insights and features, and referral commissions earned when businesses secure funding through the 100+ lender marketplace. Distribution is primarily digital self-serve via the capitalise.com website, supported by an accountant/adviser referral channel and content marketing/SEO. The company has raised approximately $18M across disclosed rounds in 2017, 2019, and 2021, with QED Investors as a notable lead investor and Experian joining as a strategic investor in 2021.

Name

Capitalise.com

Legal name

CAPITALISE.COM PLATFORM LTD

Website

https://capitalise.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Business Credit Monitoring and Funding Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Lending & Working Capital Platforms (FSAGAJAA)

akta.pro secondary industries

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Credit Score Monitoring & Credit Building (FSAGADAE), SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• Business credit scoring
• Business credit monitoring
• SME funding marketplace
• Company credit checks
• Lender matching platform

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Subscription Plans: Multi-tier subscription model with free basic accounts and paid tiers (Startup, Pro, Enterprise) providing progressively deeper access to credit profiles and features. Paid packages available from less than £1 per day.
2. Lender Referrals and Commissions: Revenue generated through referral commissions when businesses secure funding from the 100+ lender marketplace on the platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Capitalise.com is a fintech platform that gives UK limited companies visibility into their business credit profile using Experian's credit scoring data and connects them to a marketplace of 100+ UK business lenders for funding such as business loans, asset finance and commercial mortgages. Its core SaaS product, Capitalise for Business, provides credit profile access, real-time credit monitoring, company credit checking for partners and suppliers, and pre-approved funding eligibility checks, with a separate Capitalise for Accountants product for advisory firms. The platform is offered on a freemium basis with paid Startup, Pro and Enterprise subscription tiers and is supported by funding specialists.

Product overview

Capitalise.com is a fintech platform offering a unified business financial health ecosystem built around Experian-powered credit data. The core offering is Capitalise for Business, which combines business credit scoring (via Experian CATO and CAIS data schemes), company credit checking, and access to a marketplace of 100+ UK business lenders. The platform also offers a specialized Capitalise for Accountants product for advisory firms. Additional tools include business loan calculators. The architecture is a platform-plus-modules design where the free basic tier provides limited credit visibility and paid tiers (Startup, Pro, Enterprise) unlock full Experian credit profiles and lender matching services.

Differentiator

Problem solved

Functional benefit

Products and services

• Capitalise for Business Comprehensive business financial health platform providing Experian-powered business credit scores, company credit checks, and access to a marketplace of 100+ UK business lenders. Includes a free basic tier with paid Startup, Pro and Enterprise plans for deeper credit insights, intended for UK limited companies.
• Business Credit Scores Access to full Experian business credit profiles including actual score, credit limit, and factors impacting creditworthiness, with publicly available data such as filed accounts and credit reference agency information. Available via Capitalise for Business paid tiers.
• Business Loans Marketplace Marketplace connecting UK businesses with 100+ UK lenders, with funding specialists matching businesses to appropriate financing options including business loans, asset finance and commercial mortgages via pre-approved funding eligibility checks.
• Company Credit Checks Credit checking service allowing businesses to view partner, customer and supplier company credit reports to assess financial health, identify risks such as CCJs and late payments, and make data-driven credit decisions on payment terms.
• Capitalise for Accountants Business advisory platform for accountants and advisers to monitor client credit profiles, deepen client relationships, and grow their firm with new advisory services including funding facilitation and credit improvement services.
• Business Loan Calculator Free online calculator tool helping businesses determine their likely eligibility and indicative terms for business loans, asset finance and commercial mortgages without requiring sign-up.

Quantifiable outcome

• In 96% of cases, professional credit profile review with Experian results in improvement to either business credit score or credit limit
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability5 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• ExperiancoreTechnology or IntegrationPrimary data partnership for business credit scoring. Capitalise provides access to Experian business credit profiles, including scores, credit limits, and impacting factors. This is the core data infrastructure powering the platform's main value proposition.
• 100+ UK Business LenderscoreGTM or Marketing PartnerNetwork of UK business lenders connected to Capitalise's funding marketplace, enabling businesses to access diverse funding options from a single platform with expert guidance from funding specialists.
• Money.co.ukminorGTM or Marketing PartnerTrusted partner providing financial product comparison and driving traffic to Capitalise services.
• Federation of Small BusinessesminorGTM or Marketing PartnerTrusted partner organisation representing small businesses, providing referral traffic and credibility endorsement.
• Enterprise NationminorGTM or Marketing PartnerTrusted partner for small business support and startup ecosystem, driving awareness and users to the platform.
• 2020 FinanceminorGTM or Marketing PartnerTrusted partner in the financial services ecosystem for UK businesses.
• Microsoft AcceleratorminorStrategic or Co-development PartnerSelected in 2016 as one of 12 companies in Microsoft's accelerator programme designed to help firms scale their business, bring innovative services to market, and reach new customers.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• iwoca: UK-based SMB lender offering flexible credit lines and loans to small businesses using alternative data underwriting. Peer to Capitalise given shared focus on funding access for underserved UK SMBs, though iwoca lends on its own book rather than brokering across 100+ lenders.
• Tide: UK SMB-focused digital banking platform offering business current accounts, credit products, and financial management tools. Direct peer in serving the same UK SMB segment with overlapping lending and credit-management capabilities, including credit scoring features.
• Liberis: UK-based embedded finance provider offering revenue-based funding and working capital to SMBs through partner integrations. Comparable to Capitalise for SME funding marketplace positioning and accountant/channel partnership model.
• Funding Xchange: UK SME lending-automation platform powering digital lending journeys for banks and brokers. Highly comparable to Capitalise given shared focus on connecting UK SMBs to a multi-lender panel and accountant/adviser distribution.
• Funding Circle UK: UK's most established SME lending marketplace operating a multi-lender funding model with strong SMB brand. Directly comparable to Capitalise as it connects UK businesses to multiple lenders, though Funding Circle leans more heavily into direct balance-sheet lending alongside its marketplace.
• YouLend: UK SME lending platform offering merchant cash advances and small business loans via a partner distribution model. Comparable to Capitalise as a UK SMB funding marketplace with bank partnerships and accountant-channel distribution.
• Capital on Tap: UK-based fintech providing small business credit cards and working capital to SMBs. Comparable to Capitalise as a UK SMB-focused credit and lending platform serving similar customer segments and offering credit-monitoring capabilities.

Broad incumbents

• Creditsafe: Global business credit reporting and data provider supplying company credit reports to SMBs and enterprises. Comparable to Capitalise's company credit check offering and Experian-aligned credit data infrastructure, though oriented more toward enterprise/B2B credit risk.
• Starling Business Banking: Major UK neobank offering business current accounts, loans, and embedded credit insights for SMBs. Broad incumbent comparable to Capitalise given overlapping credit-monitoring and SMB funding capabilities, but with substantially wider product scope and balance-sheet lending.

Emerging players

• Endole: UK business information platform providing company credit reports, financials, and director information. Comparable niche overlap with Capitalise's company credit check feature, though more limited lender marketplace and SMB funding functionality.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/capitalisers
• LinkedInlinkedin.com/company/capitalisers
• Instagraminstagram.com/capitalisers
• Xx.com/capitalisers

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds4 records

Investors8 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capitalise.com