Flexible & short term funding.
Fast, adaptable finance designed to support your business in the short term.
Access between £1,000 and £750,000 to support your business growth. No assets required. Apply in minutes with no impact on your credit score.
How it works (the Caply way)
Spend a few minutes telling us about your business and funding needs.
We match you with our wide range of lending partners to find your best rate.
Once approved, funds are transferred directly to your account.
Funding that adapts to your business needs
Whether you're managing seasonal demand, covering unexpected costs, or bridging a temporary cash flow gap, short-term funding provides the flexibility to keep your business moving.
No two businesses operate the same way. That’s why funding options are matched to your situation, your timelines, and your immediate priorities.
Quick access to capital
Short-term funding is designed for speed, helping you access funds when you need them most.
Flexible repayment terms
Repayment structures are tailored to suit your cash flow, making it easier to manage over the agreed term.
Support when it matters
Use the funding to handle short-term challenges or take advantage of time-sensitive opportunities without long-term commitment.
A network of trusted funding partners
We work with a panel of established UK lenders to present funding options suited to your business profile.
Rather than approaching lenders individually, our process allows businesses to explore multiple options through one enquiry, helping save time while providing greater visibility over available funding solutions.
Our role is to help businesses understand their options clearly and move forward with confidence.
What flexible short-term funding can be used for
Businesses use short-term funding to stay agile and responsive. It’s particularly useful when timing is critical and opportunities or pressures can’t wait.
Common uses include:
Covering unexpected expenses
Managing short-term cash flow gaps
Purchasing stock quickly
Bridging invoice delays
Handling urgent repairs or maintenance
Taking advantage of time-sensitive opportunities
Supporting seasonal demand
VAT and tax bills
Other funding options
If flexible & short term funding isn’t quite right for your business, we work with a network of lenders to provide other flexible solutions tailored to your needs, from invoice finance to asset-backed loans.
Illustrative example of how funding can support business growth
Illustrative example for demonstration purposes only. This does not represent actual results or guarantees. Business performance varies depending on individual circumstances.
Understanding flexible short-term funding.
How it works and how it can support your business.
Flexible short-term funding provides businesses with access to capital over a shorter repayment period, typically ranging from 1 week to 12 months depending on the lender and the specific funding product.
When assessing your application, lenders consider a range of factors including your business performance, trading history, turnover, and overall affordability to determine the most suitable options available.
Because the funding is designed for shorter durations, approval processes are often quicker, allowing businesses to respond rapidly to financial needs or opportunities.
Funding amounts can vary depending on the lender and your business profile, typically ranging from £1,000 to £750,000.
Tell us about your business and the funding you're looking for. Our team of specialists will review your enquiry and present suitable options from our network of lending partners. Apply below in minutes.
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Flexible short-term funding is a type of business finance designed to provide access to capital over a shorter period, typically ranging from 1 week to 12 months. It’s often used to manage immediate financial needs or opportunities.
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In many cases, funding can be arranged within 24–48 hours. In some cases, funds can be provided in as little as 4 hours, depending on the lender and the information provided during the application process.
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Short-term funding can be used across a wide range of business needs, including managing cash flow, purchasing stock, covering unexpected expenses, or bridging gaps between incoming payments.
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Funding amounts typically range from £1,000 to £750,000, depending on the lender and your business’s financial profile.
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Lenders will usually consider factors such as your business turnover, trading history, and overall affordability when reviewing your application.
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Repayment structures can vary depending on the lender. Some offer fixed repayments, while others provide more flexible arrangements based on your cash flow.
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Short-term funding can suit many types of businesses, particularly those needing quick access to capital or dealing with temporary financial pressures. Suitability depends on your individual circumstances and requirements.
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Initial enquiries are often completed using a soft search, which does not impact your credit score. If you proceed with a lender, a full credit check may be required.
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Some lenders allow early repayment, although terms can vary. It’s always important to review the details of any offer before proceeding.
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Simply tell us about your business and your funding requirements. Our team will review your enquiry and present suitable options from our network of lending partners.
Funding that supports your business moving forward.
We help growing businesses access flexible and financial solutions designed to support growth, stability, and opportunity.
1.5x
Borrow up to 1.5x your monthly revenue.
No early repayment fees.
*Subject to lender approval.