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 verdict
- Product: Unsecured term loan.
- Ticket band: £3k to £100k.
- Pricing: Quoted at offer.
- MaxCap says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
MaxCap, 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
Where MaxCap is strong
- 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.
Watch-outs, and when another lender may suit better
- 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, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
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.
FAQ
What can I borrow through MaxCap?
MaxCap offers unsecured term loan. Ticket range: £3k to £100k. Typical rate: Quoted at offer.
How long does MaxCap take to decide?
Same day MaxCap says checking eligibility uses a soft search, so it does not affect your credit score.
Who is MaxCap the best fit for?
First on the list: Ltd companies trading 12 months+. The full list is under Best fit applicants above.
When might another lender suit better than MaxCap?
First on the list: Sole traders and partnerships. The other cases are under Where MaxCap is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: MaxCap
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.