Federal Capital

Federal Capital, unsecured business loans in the UK

Federal Capital is a UK lender specialising in unsecured business loans. The company has operated since 2012 and channels all applications through a network of finance brokers: the broker introduces the deal and Federal Capital Limited acts as the lender on the agreement. Funds are used for working capital, cashflow, debt consolidation, growth and other commercial purposes.

Business activity and volume

According to figures published by the company itself, since 2012 it has served more than 36,000 distinct businesses and has provided loans totalling over £1 billion. Around 47% of its business comes from repeat customers, a percentage the company presents as an indicator of the confidence its process generates. The firm describes itself as a UK-owned and UK-run lender, with decisions made in the UK by an in-house team, with no outsourced call centres.

How the application process works

The journey begins with the application being introduced by a finance broker, who must explain the contents of the agreement to the customer before signing. If the paperwork does not match what was agreed, the company recommends not signing until the terms have been clarified. Once the agreement has been signed and final checks are complete, payment is typically made within 2 working hours to the applicant business's bank account, and a confirmation email is sent.

Repayment is made by direct debit, with the first payment taken one month after payout. The broker can request that the first direct debit date is moved a few days earlier or later. There are no charges for early settlement and, if the account is not in arrears, the customer can request an early settlement figure with a discount on the remaining interest.

Verifying the company

The company provides its registration and contact details so that brokers and customers can check who they are dealing with. Federal Capital Limited is registered with company number 07978824, FCA reference number 712978 and ICO data protection number Z3368699. Its physical presence in the UK is at 14a Old Marsh Farm Barns, Welsh Road, Sealand, Flintshire, CH5 2LY, and the telephone number is 01244 280665.

Customer service and opening hours

The team responds directly from the UK during office hours, from 09:00 to 16:30. The company states that, during those hours, it aims to answer calls within 30 seconds and with no queuing. Pre-signing questions should be directed to the broker who introduced the application; once the agreement has been signed, Federal Capital handles questions relating to payout and the live account.

Location and contact

14a Old Marsh Farm Barns, Welsh Road, Sealand, Flintshire, CH5 2LY · Telephone: 01244 280665 · Email: info@federalcapital.co.uk · Opening hours: Office hours: 09:00 - 16:30