Boost Capital
Established UK MCA player with a small business loan product alongside the cash advance. Trades on speed and accommodating credit underwriting. Factor-rate quoting hides the effective APR, so direct comparison with term-loan rivals takes maths. Note: the obvious Companies House match (Boost Capital Ltd, 07831099) was dissolved 14 Nov 2023; the current trading entity behind boostcapital.co.uk needs confirmation before citing a CH number publicly.
Quick routing verdict
- Product: Merchant cash advance + small business loan.
- Ticket band: £3k to £500k.
- Decision time: Same day to 48 hours.
- Pricing: Factor rate 1.10 to 1.40.
- Soft search at quote stage: no credit-file footprint.
- FCA-authorised.
At a glance
- Legal entity
- Boost Capital (UK trading entity)
- Founded
- 2011
- Product
- Merchant cash advance + small business loan
- Ticket range
- £3k to £500k
- Decision time
- Same day to 48 hours
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- Same-day decisions and funding for clean cases.
- More accommodating on credit history than mainstream term lenders.
- Repayments scale with daily card sales on the MCA product.
- Direct lender; no broker mark-up.
When we route elsewhere
- Factor rate quoting hides true APR; 1.30 over 9 months is around 60% APR equivalent.
- Smaller brand profile vs Capify or 365 Business Finance.
- Tied to card-machine flow on the MCA product; bad fit for B2B service businesses.
Best fit applicants
- Hospitality and retail with strong card flow
- Sub-£100k tickets
- Post-decline applicants
Where Boost Capital is the wrong fit
- Rate-sensitive borrowers
- B2B with no card flow
If declined by Boost Capital
If your application to Boost Capital is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Boost Capital decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Boost Capital
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Boost Capital and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.