Caple

Specialist unsecured growth-lender to established mid-market SMEs across the UK and Europe, capital provided by partner banks rather than retail funders. Bilateral 7-year unsecured term loans for acquisitions, MBOs and growth capital. Long underwriting cycle; not a self-serve fintech experience. Note: multiple Caple-named entities on Companies House; verify the operating entity before citing a CH number publicly.

Quick routing verdict

  • Product: Unsecured SME growth loan.
  • Ticket band: £500k to £5m.
  • Decision time: 4 to 8 weeks.
  • Pricing: Bespoke.
  • FCA-authorised.

At a glance

Legal entity
Caple (UK trading entity)
Founded
2016
Product
Unsecured SME growth loan
Ticket range
£500k to £5m
Decision time
4 to 8 weeks
Ltd-only
Yes (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
Last reviewed
2026-05-08

Why we route here

  • Genuine unsecured lending at the £1m to £5m level where mainstream banks demand security.
  • Long-tenor loans (typically 7 years) with bullet or partial-amortisation structures.
  • Strong fit for acquisition and management-buyout finance.

When we route elsewhere

  • Multi-week underwriting cycle.
  • Below £500k they do not engage.
  • Not a self-serve product; broker or advisor introduction expected.

Best fit applicants

  • Established mid-market Ltd companies
  • Acquisition and MBO finance
  • £1m to £5m tickets

Where Caple is the wrong fit

  • Sub-£500k tickets
  • Speed-prioritised cases
  • Sole traders

If declined by Caple

If your application to Caple 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 Caple decline runbook for sector-specific routing detail.

Other panel lenders

How we rate Caple

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 Caple 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.

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