Check eligibility

Capital for business and property. Liquidity from what you own.

Capito is a UK Commercial Finance Broker, not a lender. We arrange business loans, bridging finance and lending against luxury assets such as fine art, aircraft and yachts. Choose where to start.

Warehouse with palleted stock on racking, the kind of business funded with business finance
Business

Decisions in as little as 2 hours

Business finance

Working capital, asset finance, invoice finance and commercial mortgages.

Check eligibility

No credit check until you choose a lender.

Georgian brick townhouse in London with a black front door and railings, the kind of property bought with bridging finance
Property

Completion in as little as 2–5 days

Bridging loans

Auction purchases, refurbishment, chain breaks, development exit and commercial bridging.

Check eligibility
Indicative terms, no obligation.
Atlantic Rollers, an oil painting of waves under an open sky by Beatrice Bright, from the Birmingham Museums Trust collection
Private clients
Confidential

Luxury asset lending

Borrow against fine art, aircraft, yachts, watches, jewellery and classic cars without selling.

Check eligibility
No obligation. NDA available on request.
Who we help
  • Established SMEs
  • Manufacturers & wholesalers
  • Construction firms
  • Property investors & developers
  • Collectors & private clients

The finance we arrange

Four areas of specialist finance and one enquiry form. Pick the one that fits and we'll look for lenders suited to your case.

Business loans

Unsecured and secured working capital for UK SMEs, with decisions in as little as 2 hours.

Explore business loans →
Asset & invoice finance

Fund equipment and vehicles, or release cash tied up in unpaid invoices.

Explore asset & invoice finance →

Bridging & property

Auction, refurbishment, chain-break and development-exit finance, with completion in as little as 2–5 days.

Explore bridging →
Luxury asset lending

Borrow discreetly against fine art, aircraft, yachts, classic cars, watches and jewellery.

Explore luxury asset lending →

How it works

How it works: four steps to funding

You make one enquiry. A specialist searches our lender panel and looks after your case through to completion.

Start my enquiry
1
Step 01
Tell us about the deal

About 90 seconds online, or one phone call.

2
Step 02
We match you with lenders

A specialist checks your case against our lenders' criteria and draws up a shortlist.

3
Step 03
Compare real terms

Review rates, fees and conditions before you commit.

4
Step 04
Completion and funds

We deal with lender queries and keep your case moving to completion, so you can concentrate on the deal.

FAQs

Your questions answered

Reviewed by Ashley Thomas, Director · Updated October 2026

Will checking my eligibility affect my credit score?

No. We don't check your credit when you enquire. A lender only does that if you choose to apply.

Are you a broker or a lender?

We are a Commercial Finance Broker, not a lender. We introduce you to specialist lenders suited to your case and may receive commission from them. We disclose any fee and commission before you proceed.

How much can I borrow?

We arrange business finance and luxury asset lending over £25,000, and bridging loans from £50,000. At the top end, facilities can exceed £50 million, depending on your circumstances and the security offered.

How are you paid?

Usually by commission from the lender when your finance completes. Some cases also have a broker fee. We tell you about any fee and commission before you proceed.

How quickly will you respond to my enquiry?

We aim to respond within one working day, and often much sooner. Our office hours are Monday to Friday, 9am to 6pm.

What information do I need to get started?

Just the basics: what the finance is for, how much you need, and some details about your business, property or asset. Lenders will later ask for documents such as bank statements, accounts and ID.

Which types of business do you work with?

UK limited companies, LLPs, special purpose vehicles (SPVs), sole traders and partnerships. We typically work with established trading businesses, property investors and developers.

Is my enquiry confidential?

Yes. We only share your details with lenders and partners relevant to your enquiry, as set out in our privacy policy. For any type of lending, we can sign a non-disclosure agreement on request.

Know your options before you commit.

One short form, no obligation. Takes about 90 seconds.

Check my eligibility →

Our expertise

Specialist lending experience behind every case

Ashley Thomas, Capito's director, has more than 10 years' experience in high-net-worth and specialist lending. We use that experience to present your case the way lenders want to see it.

Ashley Thomas on LinkedIn ↗

Guides & calculators

Plain-English guides to business, property and asset-backed finance, plus a quick bridging calculator.

Calculator
Bridging loan calculator
Indicative maximum gross loan
£600,000
Monthly interest
£3,840 – £7,200
Interest over term
£46,080 – £86,400
Up to 80% loan-to-value, from £50,000. Interest shown at typical rates of 0.64%–1.2% a month on the gross loan, before fees. Illustrative only and subject to valuation and lender criteria.
Open full calculator →
Guide · 5 min read
Bridging loan costs explained: rates, fees and exit
PropertyRead guide →
Guide · 4 min read
How art-secured lending works in the UK
Luxury assetsRead guide →
Guide · 4 min read
Business loan vs invoice finance: which fits?
BusinessRead guide →
Check your eligibility

Business finance, bridging or luxury asset lending over £25,000. Answer a few quick questions (about 90 seconds) and a specialist will look for suitable lenders.

Step 1
Takes about 90 seconds

Questions? Email hello@capito.finance

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No obligation. We're a broker, not a lender, and may receive commission from lenders.