Federal Capital Limited is a UK lender of unsecured commercial loans, with all applications introduced by finance brokers. It publishes loan amounts from £5,000 to £200,000 and terms from 3 to 12 months, for purposes such as working capital, cashflow, consolidation, expansion and acquisition.
At a glance
- Product type
- Unsecured business loans
- Based in
- Sealand, Flintshire
- Company number
- 07978824
| Product | Amount | Term | How you repay |
|---|---|---|---|
| Unsecured commercial loan | £5,000 to £200,000 | 3 to 12 months | Direct debit; first repayment one month after payout |
Figures are Federal Capital’s own published terms, checked on . They can change, and what you are offered depends on your business: see Federal Capital’s site for current terms.
Who is Federal Capital?
Federal Capital is a UK provider of unsecured business loans. The legal entity named on its site is Federal Capital Limited, company number 07978824. It is based in Sealand, Flintshire. It gives its founding year as Operating since 2012.
Federal Capital says it began operating as a UK business lender in 2012. Its About page describes the business as UK-owned and operated, with decisions made by its own UK team and no outsourced call centres or offshore operations. It is based at Old Marsh Farm Barns, Welsh Road, Sealand, Flintshire.
In its own words on scale:
- Says more than 36,000 businesses have been supported and over £1 billion has been lent over time (figures on its site in October 2026).
- Says repeat business represents 47% of its overall activity (figure on its site in October 2026).
Everything on this page comes from what Federal Capital publishes itself. We show the date we last checked it, and we do not rate or rank lenders.
What does Federal Capital offer?
Federal Capital publishes one product for UK businesses. The table above gives the amounts and terms as it states them.
- Unsecured commercial loan: Direct debit; first repayment one month after payout.
Unsecured commercial loan
Federal Capital describes its loans as unsecured commercial loans introduced by finance brokers, with funding from £5,000 to £200,000 over terms of 3 to 12 months. It says it lends directly to the businesses it approves and that decisions are made by its in-house UK team. Its site says an early settlement figure is available on accounts that are not in arrears, with a discount on remaining interest, and that there are no early settlement fees.
What does Federal Capital fund?
Federal Capital says its finance is used for:
- Working capital
- Cashflow
- Debt consolidation
- Marketing
- Expansion and development
- Acquisition, MBO and director buy-out or buy-in
Sectors and business types it says it funds:
- Says it funds a broad range of sectors and use cases; no specific sectors are listed
Who can apply to Federal Capital?
Federal Capital publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.
- Applications must be introduced by a finance broker.
- UK businesses across a wide range of sectors.
How do you apply to Federal Capital?
Federal Capital describes its process like this:
- A finance broker introduces the application to Federal Capital.
- Federal Capital’s in-house UK team reviews and underwrites it.
- If approved, the business signs the loan agreement, which is with Federal Capital Limited.
- Repayments are collected by direct debit, starting one month after payout.
Every application is subject to status and the lender’s own criteria at the time.
How it works: unsecured business loans
An unsecured business loan is a fixed sum repaid in instalments over an agreed term, without a charge over a specific asset. Most lenders still ask the directors for a personal guarantee, which makes them personally liable if the company cannot repay.
Lenders price each loan on the business’s trading history, turnover and credit profile, so the offer you receive can differ from the published range. Compare the total cost in pounds and the repayment pattern, not only the headline rate: our guide on how to compare business loan lenders shows how.
Points Federal Capital publishes that are worth knowing:
- Applications are introduced by finance brokers only; the loan agreement is with Federal Capital Limited.
- States there are no charges for early settlement.
- Early settlement figure with a discount on remaining interest is available if the account is not in arrears.
- Decisions are made in the UK by its in-house team.
Security and guarantees
The loans are described as unsecured. The pages read do not state whether personal guarantees are taken. Early settlement is allowed with no early settlement fee on accounts not in arrears.
Is Federal Capital regulated?
Federal Capital’s site states: “Company number: 07978824 | FCA number: 712978 | ICO number: Z3368699”
Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.
What are the alternatives to Federal Capital?
Other providers of unsecured business loans with profiles here include Finance For Enterprise, Fleximize and Funding Alternative. Each profile uses that lender’s own published terms.
The full list, grouped by product type, is in our directory of UK business lenders.
Applying through a broker
Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.
Sources
Capzy is a credit broker, not a lender. We get paid by the lender. This page is general information, not financial, tax or legal advice. Finance is subject to status, lender criteria and affordability; rates and terms depend on your circumstances.