In March 2020, the UK government lowered the barriers to business lending. The result?
Over 20,000 fewer business closures compared to the previous year. (Source: ONS data).
That shift wasn’t magic, it was access. Through schemes like the Coronavirus Business Interruption Loan Scheme (CBILS), funding became more visible, less risky, and easier to secure for everyday SMEs.
So what changed?
These aren’t just features. They’re principles of fairness.
And they highlight what’s broken today.
Why Most SMEs Still Struggle to Access Fair Capital
If you run a small business today, you likely won’t see your best funding option on a bank website or Google ad. You’ll face:
This creates a system where wealth, networks, and polished paperwork often dictate funding access more than business potential.
That doesn’t mean funding should be easy – just fairer.
According to the British Business Bank, founders with more personal capital or assets can often unlock better terms, move faster, and take more calculated risks. That’s just how the system works.
But we believe every founder deserves a real shot, regardless of postcode, personal wealth, or how “neatly” their business fits on paper.
That’s what we’re here to do.
What We Do Differently
We believe fairness isn’t about handouts – it’s about access, clarity, and support.
That’s why we:
Search across 300+ lenders and funding products — not just the usual suspects
Break down the real cost — interest, fees, term, and conditions
Help you present your business properly — so strong businesses aren’t penalised for messy paperwork
Explain risk clearly — including how to protect your home and access PG Insurance
We’re not here to push deals. We’re here to make sure founders can fund growth without getting trapped by complexity or unfair terms.
We do this every day – for ecom brands, agencies, trades, consultants, manufacturers, wholesalers, and tech startups across the UK.
Because when the system is stacked, a bit of clarity goes a long way.
25 Green Street, Mayfair, London, W1K 7AX
Risecap Ltd (Company no. 11203916) Data Protection Number ZA553906. The registered address is 1st Floor, 8-12 London Street, Southport, PR9 0UE, United Kingdom.
Risecap is a credit broker and not a lender. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow. In some circumstances, we do not receive any commission or fee from the lender, we will detail the commission or fee scenario throughout your customer journey
Copyright © 2025 Risecap. All rights reserved.
0203 089 7919
hello@risecapglobal.com
25 Green Street London W1K 7AX
Risecap Ltd Data Protection Number ZA553906. The registered address is 85 Great Portland Street, London, England, W1W 7LT. Risecap is a credit broker and not a lender.
Copyright © 2022 Risecap. All rights reserved.
