What EU CAPITAL LTD does

E U Capital (trading name of CAPITAL E U LIMITED) is a London-based commercial finance broker that helps UK SMEs access debt, equity, grant, and specialist funding through a single technology-driven platform. The firm is FCA-authorised (FRN 1051992), NACFB accredited, ICO registered, and operates as an Appointed Representative of Swoop Finance Limited (FRN 936513), from which it derives its regulatory permissions and core technology infrastructure. Its service spans 14 product categories ranging from £1K working capital loans to £100M commercial mortgages, including business loans, invoice finance, asset finance, commercial and bridging finance, equity and crowdfunding, grants, R&D tax credits, VAT/tax funding, and acquisition finance.

The platform combines a self-service matching engine with advisor-led sales. Clients complete a roughly three-minute application with no credit check at the matching stage; the system then surfaces typically 20+ eligible options from a panel of 1,000+ lenders. Optional Open Banking and accounting software integrations (Xero, Sage, QuickBooks) enable faster lender decisions. Qualified advisors subsequently shepherd applications, negotiate terms, and complete placements. The partner programme extends distribution through accountants, IFAs, solicitors, commercial property agents, business advisers, and mortgage brokers, who earn revenue share on completed deals.

E U Capital monetises exclusively via lender commissions on successful funding arrangements — no direct client fees — and therefore has no publicly disclosed pricing. The firm operates exclusively in the UK domestic market. No revenue, headcount, funding history, or dated corporate milestones are disclosed in the source material, and the company appears to be a small-scale broker leveraging Swoop's technology rather than an independent scaled platform.

Name

EU CAPITAL LTD

Legal name

CAPITAL E U LIMITED

Website

https://eucapital.net

Company type

Private

Operating status

Operating

Short description

E U Capital is a UK commercial finance broker that uses a Swoop Finance-powered matching platform to connect SMEs with 1,000+ lenders across 14 product types, monetising via lender commissions and distributed through a partner referral network.

Ownership category

akta.pro rank

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Portfolio Management and Investment Advice (523940)

SIC

Loan Brokers (6163)

akta.pro primary industry

Capital Raising Advisory (Debt/Equity/Private Capital) (BPAHADAG)

akta.pro secondary industries

Capital Raising Advisory (Equity & Equity-Linked) (FSAEAGAC), Institutional Capital Introduction (LP/Family Office/Endowment Matching) (FSAEALAI), Capital Markets Advisory (Equity Placement, JV & Recapitalization) (BPAJABAL), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

Keywords

• Commercial finance brokerage
• Business funding solutions
• SME lending platform
• Invoice discounting
• Commercial mortgage broker

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Commission from Lenders: EU Capital is a credit broker that earns commission or fee from lenders and funding providers upon successful completion of a funding arrangement. This commission does not affect the rate or terms offered to clients.
2. Partner Revenue Sharing: Partners (accountants, IFAs, commercial property agents, solicitors, business advisers, mortgage brokers) earn a share of fees earned from lenders on successful client introductions. Revenue-sharing terms are agreed privately with each partner firm.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

E U Capital is a UK commercial finance broker that matches small and medium-sized businesses with funding from a panel of 1,000+ lenders across 14 product types, including business loans, invoice finance, asset finance, commercial mortgages, equity, grants, and R&D tax credits. The service is delivered through a technology-driven platform with Open Banking and accounting software integrations (Xero, Sage, QuickBooks) and supported by advisors who manage the full application process from submission to funding. The company earns commission from lenders on successfully completed deals and does not charge clients directly for its brokering service.

Product overview

E U Capital is a commercial finance broker platform offering whole-of-market access to 1,000+ UK funding providers. The platform provides 14 product types across debt, equity, and grants: Business Loans & Working Capital (including Merchant Cash Advance and Revolving Credit Facilities), Invoice Finance, Asset Finance, Commercial Mortgages & Property Finance (including Bridging and Development Finance), Equity & Growth Finance, Grant Funding & R&D, VAT & Tax Funding, Business Savings, FX & Insurance, and Acquisition Finance. The technology-driven platform uses Open Banking and accounting software integrations (Xero, Sage, QuickBooks) to match businesses with eligible funding options in minutes, with advisors managing the application process to completion.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Up to 90% of outstanding invoice value released within 24 hours
• +3 more outcomes

Segments5 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature4 records

Partnerships

Eleven partnerships are on record, tiered core and major.

• Swoop Finance LimitedcoreTechnology or IntegrationSwoop Finance Limited is the principal firm and technology platform provider for EU Capital. EU Capital operates as an Appointed Representative of Swoop Finance Limited (FRN: 936513), which is authorised and regulated by the Financial Conduct Authority. Swoop provides the technology infrastructure including the online application portal, matching platform, and client portal used by EU Capital to serve its customers.
• XerocoreTechnology or IntegrationXero accounting software integration allows clients to securely connect their accounting data, enabling faster applications and improved matching accuracy. The integration is available through the client portal and is optional but recommended.
• SagecoreTechnology or IntegrationSage accounting software integration allows clients to securely connect their accounting data, enabling faster applications and improved matching accuracy. The integration is available through the client portal and is optional but recommended.
• QuickBookscoreTechnology or IntegrationQuickBooks accounting software integration allows clients to securely connect their accounting data, enabling faster applications and improved matching accuracy. The integration is available through the client portal and is optional but recommended.
• Open BankingcoreTechnology or IntegrationOpen Banking connectivity allows clients to securely link their bank accounts directly to the platform, enabling lenders to make faster decisions with less paperwork. This is entirely optional and clients can still apply without it.
• Accountants and BookkeeperscoreChannel Partner/ Reseller/ DistributorAccounting firms partner with EU Capital to extend their service offering, gaining access to a complete commercial finance capability including business insights reports, accounting insights, and finance quote builder tools. Partners can introduce clients at no cost and earn revenue share on completed deals.
• IFAs and Financial AdviserscoreChannel Partner/ Reseller/ DistributorIndependent Financial Advisers partner with EU Capital to expand their proposition beyond personal finance into commercial funding. Partners introduce business owner clients and earn revenue share on completed funding arrangements.
• Commercial Property AgentsmajorChannel Partner/ Reseller/ DistributorCommercial property agents partner with EU Capital to help clients secure finance for commercial property purchases, investment properties, development projects, bridging finance, and commercial mortgages.
• Solicitors and Legal ProfessionalsmajorChannel Partner/ Reseller/ DistributorSolicitors and legal professionals partner with EU Capital to support clients through commercial property transactions, business acquisitions, and restructuring that require funding. EU Capital works alongside the legal process.
• Business Advisers and ConsultantsmajorChannel Partner/ Reseller/ DistributorBusiness advisers and consultants partner with EU Capital to help their SME clients access capital for growth, acquisitions, and equity raises. Partners earn additional revenue by introducing clients with funding needs.
• Mortgage BrokersmajorChannel Partner/ Reseller/ DistributorMortgage brokers partner with EU Capital to refer commercial and buy-to-let clients who need bridging, development, or commercial mortgage solutions that fall outside their own product range.

Scale indicators7 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• iwoca: UK fintech providing small business loans up to £1M to SMEs, including those with imperfect credit. Direct peer — competing for the same UK SME borrower with a technology-led, advisor-supported application flow and broad lender reach.
• Bibby Financial Services: UK invoice finance and asset finance provider serving SMEs. Direct peer in the invoice finance and asset finance products that E U Capital brokers, although Bibby funds directly rather than acting as a pure broker.
• Funding Circle: UK-listed SME lending platform offering business loans, commercial mortgages and asset finance to UK SMEs. Direct peer because both serve UK SMEs seeking working capital and growth funding via technology-enabled origination, although Funding Circle also lends on its own balance sheet.
• Funding Xchange: UK fintech operating a lending marketplace and decisioning infrastructure used by brokers and lenders. Direct peer — comparable SME funding intermediation with technology-driven matching and a multi-lender panel.
• Assetz Capital: UK peer-to-peer / asset-backed lending platform offering business loans, property-backed lending, and IFISA products to SMEs and property developers. Comparable because it operates in the same UK alternative lending market and serves similar SME and property-finance use cases.
• Swoop Finance: UK funding platform and FCA-authorised principal of E U Capital; provides the matching platform, lender panel, and regulatory permissions that E U Capital operates on. Closely comparable because both broker the same UK funding market via the same underlying technology stack.
• Capitalise: UK funding marketplace connecting SMEs with lenders across business loans, invoice finance, asset finance, and commercial property. Direct peer — same broker-of-record model, same target SME customer, same whole-of-market lender panel approach.

Broad incumbents

• Starling Bank: UK challenger bank with a growing SME lending proposition (term loans, asset finance) alongside its core business current account. Broad incumbent — relevant as an alternative channel for UK SMEs but operates from a deposit-funded banking model rather than broking.
• Aldermore Bank: UK challenger bank offering SME business loans, asset finance, invoice finance, and commercial mortgages. Broad incumbent — competes for the same UK SME funding demand through direct lending rather than brokering, but operates across many of the same product categories.
• Lloyds Bank: Largest UK SME lender offering business loans, commercial mortgages, asset finance and invoice discounting through a national branch network. Broad incumbent — represents the high-street alternative E U Capital's clients frequently approach before turning to a broker, especially when declined.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 EU CAPITAL LTD