Our Services
Every Type of Business Finance,
Under One Roof
Whether you need cash today, want to grow tomorrow, or are planning your next acquisition — E U Capital has the product and the panel to make it happen.
Business Loans & Working Capital
From £1,000 to £2M+. Unsecured loans, merchant cash advances, and government-backed Growth Guarantee Scheme funding — including for businesses with adverse credit.
Invoice Finance
Release up to 90% of your outstanding invoice value within 24 hours. Confidential, selective, and accessible from just £15,000 in outstanding invoices.
Asset Finance
Fund equipment, vehicles, machinery, and technology from £1,000 to £60M+. Preserve working capital — the asset secures the loan.
Commercial Mortgages & Property
Owner-occupier mortgages, buy-to-let, bridging finance, and development finance. From £50,000 to £100M for residential and commercial projects.
Equity & Growth Finance
Connect with angel investors, VCs, and over 1 million registered crowdfunding investors. EIS and SEIS eligible. Raise from £5,000 to £5M+.
Grants & R&D Funding
Non-dilutive grant funding from £100K to £2M+ for innovative businesses. Plus R&D tax credit claims and R&D loans to access cash before HMRC pays out.
VAT & Tax Funding
Spread the cost of quarterly VAT bills and corporation tax. Preserve cashflow around HMRC deadlines without disrupting operations.
Savings, FX & Insurance
Maximise returns on cash reserves, reduce FX costs with multi-currency accounts, and ensure your business has the right insurance cover.
Why E U Capital
What Makes Us Different
We are not just a loan broker. E U Capital is your complete business financial partner — covering every stage of your business journey, with access to funding solutions that most businesses don't know exist.
No Personal Guarantee Required
We can arrange loans where no personal guarantee is required — removing one of the biggest barriers business owners face when applying for finance.
Fund Businesses Others Turn Away
CCJs, adverse credit, loss-making businesses, or trading from day one — we have specialist lenders for situations that mainstream banks decline.
Government-Backed Funding Access
We can access the Growth Guarantee Scheme (up to £2M) — 70% government guarantee enables access for businesses that may not qualify elsewhere.
Sharia-Compliant Finance Available
We can arrange Sharia-compliant business finance for clients who require it — a unique capability in the UK SME market.
Personal Guarantee Insurance
For loans that do require a personal guarantee, we can arrange Personal Guarantee Insurance — protecting your personal assets if the business cannot repay.
Sign In With Sage
Our client portal integrates directly with Sage, Xero, and QuickBooks — making applications faster, more accurate, and less paperwork-intensive.
The Process
From Application to Funding
in Four Steps
Our technology-driven platform makes the funding process faster, simpler, and more transparent than traditional brokers.
Tell Us About Your Business
Answer a few simple questions about your business, funding needs, and goals. Takes around 3 minutes. No credit check at this stage.
Connect Your Accounts
Optionally link your accounting software (Xero, Sage, QuickBooks) or bank account via open banking. This speeds up your application and improves matching accuracy.
See Your Matches
Instantly see the funding options you're eligible for — from our panel of over 1,000 funding providers. Typical clients see 20+ matches.
We Handle the Rest
Your E U Capital advisor reviews your profile, submits applications on your behalf, and negotiates the best terms. You get funded.
No credit check at the matching stage · No obligation · FCA regulated
Client Scenarios
Whatever Your Situation,
We Have a Solution
When...
You need cash fast
→ Invoice Finance or Merchant Cash Advance
Release up to 90% of outstanding invoices within 24 hours, or access a cash advance repaid as a percentage of your card sales.
When...
You've been declined by your bank
→ Specialist & Alternative Lenders
We work with lenders who consider CCJs, adverse credit, and businesses that are loss-making or have limited trading history.
When...
You want to buy equipment or vehicles
→ Asset Finance
Fund the asset without using working capital. The asset itself secures the loan — from £1,000 to £60M+.
When...
You're planning to acquire a business
→ Acquisition Finance
We can structure management buyouts and trade acquisitions from £250,000 using a combination of debt, equity, and vendor finance.
When...
You're raising investment
→ Equity & Crowdfunding
Connect with angel investors, VCs, and over 1 million registered investors. EIS and SEIS eligible for maximum investor appeal.
When...
You do R&D but haven't claimed
→ R&D Tax Credits + R&D Loans
We identify qualifying R&D activity, submit your claim, and can arrange a loan against the expected HMRC payout — so you get the cash now.
Ready to Start?
Find Out What Funding
You Qualify For Today
It takes around 3 minutes. No credit check at the matching stage. No obligation. Our technology instantly matches you with the funding options you're eligible for from over 1,000 funding providers.
FCA Regulated · Whole-of-Market Access · No Obligation