Capitalise.com
- Company typePrivate
- Founded2015
- HeadquartersLondon, United Kingdom
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
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.
Capitalise.com firmographics
Firmographics- 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
Capitalise.com industry classification
Industry- 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
Where Capitalise.com is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Capitalise.com business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- 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.
- Lender Referrals and Commissions: Revenue generated through referral commissions when businesses secure funding from the 100+ lender marketplace on the platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free basic tier for UK limited companies |
| Subscription | Monthly | Startup, Pro, and Enterprise paid plans |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Capitalise.com product offering
Product offeringCore 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
Companies that use Capitalise.com
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Capitalise.com technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability5 records
Feature5 records
Capitalise.com partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- ExperiancorePrimary 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 LenderscoreNetwork 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.ukminorTrusted partner providing financial product comparison and driving traffic to Capitalise services.
- Federation of Small BusinessesminorTrusted partner organisation representing small businesses, providing referral traffic and credibility endorsement.
- Enterprise NationminorTrusted partner for small business support and startup ecosystem, driving awareness and users to the platform.
- 2020 FinanceminorTrusted partner in the financial services ecosystem for UK businesses.
- Microsoft AcceleratorminorSelected 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
Capitalise.com competitors and assessment
Company assessmentDirect 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
Capitalise.com social profiles
Digital presenceCapitalise.com compliance and trust
Trust signalCompliance2 records
Capitalise.com financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capitalise.com leadership team
Management profileNumber of profiles
Profiles3 records
Capitalise.com funding detail
Funding detailFunding overview
Funding rounds4 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capitalise.com M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capitalise.com
What does Capitalise.com do?
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.
Is Capitalise.com a public or private company?
Capitalise.com is a private company. It is classified as venture growth investor backed and is currently operating.
When was Capitalise.com founded?
Capitalise.com was founded in 2015. It employs 51 to 100 people.
Where is Capitalise.com based?
Capitalise.com is headquartered in London, United Kingdom, in the Europe region.
How does Capitalise.com make money?
Two revenue lines are on record. Subscription Plans are the primary driver. The others are lender Referrals and Commissions.
Who are Capitalise.com's main competitors?
Direct peers on record are iwoca, Tide, Liberis, Funding Xchange, Funding Circle UK, YouLend and Capital on Tap. Broad incumbents are Creditsafe and Starling Business Banking. Endole is listed as an emerging player.
Does Capitalise.com have an API?
Yes. Capitalise.com offers a Developer API for partners and developers. The API enables access to the platform's business credit data and funding services. Developer documentation is at developer.capitalise.com.
What industry is Capitalise.com in?
Capitalise.com's product category is Business Credit Monitoring and Funding Marketplace. Its primary akta.pro industry code is FSAGAJAA, SME Lending & Working Capital Platforms, with a secondary code of FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking). Its NAICS code is 522310 and its SIC code is 6163.