MaxCap

London-based unsecured lender trading since 2020 under Maximise Capital Ltd. Requires 12 months trading and £15k monthly turnover. Personal guarantee required despite the unsecured framing. Tech-led underwriting with same-day decisions.

Quick routing verdict

  • Product: Unsecured term loan.
  • Ticket band: £3k to £100k.
  • Decision time: Same day.
  • Pricing: Quoted at offer.
  • Soft search at quote stage: no credit-file footprint.

At a glance

Legal entity
Maximise Capital Ltd
Companies House
12693301
Founded
2020
Product
Unsecured term loan
Ticket range
£3k to £100k
Decision time
Same day
Ltd-only
Yes (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
Last reviewed
2026-05-08

Why we route here

  • Same-day decisions, often same-day funding.
  • Soft credit search at application.
  • Direct underwriter; no broker layer for the borrower journey.
  • Top-up facility on existing loans.

When we route elsewhere

  • Ltd companies only, sole traders excluded.
  • Personal guarantee always required.
  • Cap of £100k limits utility for larger SMEs.
  • Brand awareness narrower than mainstream UK fintech alternatives.

Best fit applicants

  • Ltd companies trading 12 months+
  • £15k+ monthly turnover SMEs
  • Borrowers prioritising same-day funding

Where MaxCap is the wrong fit

  • Sole traders and partnerships
  • Sub-£15k monthly turnover
  • £100k+ tickets

If declined by MaxCap

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

Other panel lenders

How we rate MaxCap

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 MaxCap 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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Soft credit search · Decision in 24-72 hours · Limited companies, LLPs and partnerships of 4+