Lender review · Unsecured term loan
MaxCap
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 12693301
- Methodology Public
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.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- Unsecured term loan
- Ticket size
- £3k to £100k
- Typical rate
- Quoted at offer
- Decision time
- Same day
- Soft search at quote
- Yes
- Limited companies only
- Yes
- FCA regulated
- No
- Companies House
- 12693301
- Founded
- 2020
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity4/5
- Decision speed5/5
- Decline handling4/5
How MaxCap works
MaxCap operates as a unsecured term loan provider in the UK SMB market. 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.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £3k to £100k band, decisions land within Same day, and the published rate range is Quoted at offer. Soft search at quote means no impact on your credit file at the eligibility stage. Like most UK lenders to limited companies, the standard SMB lending sits outside the FCA perimeter.
Where MaxCap fits best: ltd companies trading 12 months+, £15k+ monthly turnover smes, borrowers prioritising same-day funding. Where it does not fit: sole traders and partnerships, sub-£15k monthly turnover, £100k+ tickets.
Pricing examples
Worked examples using MaxCap's published rate range (Quoted at offer). This lender prices by factor rate or bespoke quote, so we show the structure, not a worked APR.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | See lender quote | See lender quote |
| £50,000 | 36 months | See lender quote | See lender quote |
| £100,000 | 48 months | See lender quote | See lender quote |
Indicative only. Confirm on a MaxCap quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing. Weakness flagged: Sub-£15k monthly turnover.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: £100k+ tickets.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies only.
- Best fit: Ltd companies trading 12 months+; £15k+ monthly turnover SMEs; Borrowers prioritising same-day funding.
Pros
- + 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.
Cons
- − 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 for
- · Ltd companies trading 12 months+
- · £15k+ monthly turnover SMEs
- · Borrowers prioritising same-day funding
Weak at
- · Sole traders and partnerships
- · Sub-£15k monthly turnover
- · £100k+ tickets
When to use MaxCap
Use MaxCap when
Your application matches the best-fit profile: ltd companies trading 12 months+, £15k+ monthly turnover smes, borrowers prioritising same-day funding. The published ticket range (£3k to £100k) covers your ask, the decision speed (Same day) fits your cash-gap timeline, and the rate range (Quoted at offer) is acceptable to you given your credit profile. Soft search at quote means there is no downside to running an eligibility check before committing.
Do not use MaxCap when
Your profile sits in the weak-at list: sole traders and partnerships, sub-£15k monthly turnover, £100k+ tickets. MaxCap will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using MaxCap as a screen.
FAQs
What is the minimum trading time for MaxCap?
MaxCap is weaker on sub-£15k monthly turnover. As a working figure, expect MaxCap to ask for at least 12 months of trading for most product lines, and 24 months for the cleanest pricing.
Does MaxCap require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. MaxCap is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For unsecured term loan specifically, expect a PG to be requested.
How fast does MaxCap fund?
MaxCap quotes Same day for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from MaxCap?
MaxCap's published range is Quoted at offer. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if MaxCap declines me?
If MaxCap declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. MaxCap scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via maxcap.co.uk, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just MaxCap.
Specialty alternatives
- · Sigma Lending, London-based unsecured business lender incorporated April 2023. Eligibility threshold sits at one and a half years tradi...
- · Swishfund, Peterborough-based UK SMB term lender, subsidiary of a Dutch parent group. £10k to £400k over up to 24 months for UK Ltd...
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: maxcap.co.uk.