Capital Advance

Capital Advance: personal loans with non-traditional assessment

Capital Advance is a lending entity that markets financing solutions to consolidate debt, finance major purchases or cover unexpected expenses. Its proposition focuses on a fast application process and an assessment approach it calls "non-traditional".

Products and terms

The company offers loans up to £30,000, with terms up to 12 months. The website shows an example of 12 monthly repayments of £22,949, although interest rates and eligibility requirements are not detailed. Applications are made online and, according to the company, do not affect the applicant's credit score.

Application and assessment process

Capital Advance states that applications are approved within hours and that the application process takes approximately 2 minutes. The company says it stands out by avoiding automated treatment: every application receives individual attention and is assessed with a fair and holistic approach. It also mentions the use of a non-traditional scoring system, without specifying its criteria.

Corporate and operational profile

The entity operating under the Capital Advance brand is Hye Enterprise LLC, based in New Jersey, United States (EIN: 83-3104406). The services are provided by Business Credit Services Ltd, a company registered in the United Kingdom with number 16066739, which also uses the name Capital Advance. Its London address is 128 City Road, EC1V 2NX.

Customer service

The customer service team is available Monday to Thursday from 10:00 to 18:00 GMT. Contact channels include the email team@capitaladvance.co.uk and the phone number 0207 362 9054.

Transparency and compliance

The company declares its commitment to transparency and customer service, and offers documents on its website such as the privacy policy, an ISO 27001 statement, complaints information, anti-bribery policy and other relevant information. It also has a broker registration form.

Location and contact

128 City Road London EC1V 2NX · Phone: 0207 362 9054 · Email: team@capitaladvance.co.uk · Hours: Mon-Thurs 10am-6pm GMT