Growth Builder from Elect Capital

Finance that builds
alongside you.

Get up to £25,000 to take your next step, with manageable daily repayments. Build your track record and unlock up to £750,000 as you grow. Another way for us to say yes.

Same-day decisions
No hard credit checks
Revenue from £10k/month
Just 6 months trading

Step 1 of 3

How much funding do you need?

£5,000£25,000

Applying is free and won't impact your credit score

£5k–£25k
Growth Builder range
£10k
Min. monthly revenue
Same Day
Decision turnaround
£750k
Future lending goal
Growth Builder across the UK
Businesses like yours are moving. Are you?

Backing British business where others won't. Every dot is a business we're building alongside with Growth Builder.

Limited funding available
£25k
Up to, to get started
2 mins
To apply
Same day
Funds available
Latest deals
Growth Builder
    Could your business be next on this map?
    Applying is free and won't affect your credit score.
    Cash flow friendly
    Manageable daily repayments

    When you're building a business, every day's cash flow counts. Daily repayments spread the cost, so it's a little each day rather than one big hit each month.

    Growth Builder
    £166.67
    a day
    Traditional monthly
    £5,000
    per month

    Illustrative example over a 90-day term, with the same total repaid either way and monthly payments taken on days 30, 60 and 90. Your repayments are confirmed before you sign and depend on your application.

    What you repay each day, over 90 days
    £166.67 a day versus £5,000 per month
    £6k£0
    Day 1Day 30Day 60Day 90
    Growth Builder dailyTraditional monthlyDaily takings
    The growth ladder
    Start small. Build momentum. Grow further.

    Start with the funding you need today. Every repayment builds your track record with us and opens the door to your next stage.

    1
    Start here
    Get started
    Up to £25k
    Lower revenue requirement
    • From 6 months in business
    • Revenue from £10k a month
    • Manageable daily repayments over 90 days
    • No hard credit checks
    • Same-day decisions
    • Start building your track record
    Get started
    2
    Unlock next
    Build momentum
    Up to £50k
    More room to grow
    • Higher funding limits
    • Daily repayments over up to 6 months
    • Better terms as you grow
    • A specialist who knows your business
    Unlocks as you build your track record
    3
    Your goal
    Grow further
    Up to £750k
    Our full range of funding
    • Our largest funding amounts
    • Daily or weekly repayments
    • Longer terms available
    • A long-term partner for your growth
    Unlocks as you build your track record

    All funding is subject to approval, based on your application, repayment history and business performance. Moving to the next stage is not guaranteed.

    Why Growth Builder
    Built for small businesses that think big

    Growth Builder removes the barriers that traditional lenders put in your way.

    Clear costs, upfront
    You'll know exactly what you'll repay before you sign. No hidden fees, no surprises.
    Built for newer businesses
    Open to businesses turning over from £10k a month and trading from 6 months.
    No hard credit checks
    We focus on how your business is performing, and applying won't affect your credit score.
    Same-day decisions
    Apply before 2pm for a decision the same day. No weeks of waiting.
    Keep 100% of your business
    No equity, no giving up control. Once you've repaid, everything you've built is still yours.
    Funding that grows with you
    Start small, build your track record and move up to larger amounts, up to £750k.
    FAQ
    Frequently Asked Questions
    Through small, fixed daily repayments, taken automatically. There's no big monthly bill to plan around, and you'll know exactly what you'll repay before you sign.
    Every on-time repayment builds your track record with us. As you near the end of your funding, we'll review your business and let you know if you can move up, from up to £25k to £50k, then up to £750k. Moving up is subject to approval.
    We'll let you know quickly, so you're not left waiting. You can reapply after 1 month, and the longer you've been trading and the more your turnover grows, the more options you'll have.
    Yes. We focus on how your business is performing today, not just your credit history, so past credit problems don't automatically rule you out. Every application is assessed individually and subject to approval.
    No. We only use a soft search when you apply, so checking what you could get won't leave a mark on your credit file.
    UK-registered limited companies and LLPs that have been trading for at least 6 months, with a monthly turnover of at least £10,000.
    No business plans or projections. Applying takes two minutes, and we'll usually just ask for recent business bank statements. Apply before 2pm for a decision the same day.
    Ready to grow?
    Initialise your growth.
    One step away.
    Apply in 2 minutes. No impact on your credit score.

    Elect Capital is a trading name of Elect Capital UK Limited, registered in England and Wales with company number 16106576 and registered address: B1 Vantage Business Park Old Gloucester Road, Bristol, Gloucestershire, England, BS16 1GW. Registered with the Information Commissioner's Office in relation to the processing of personal information, registration number ZB842935. We pay commission to other credit introducers for referring new customers. The commission amount may vary depending on the product, or other permissible factors.

    Elect Capital provides lending solutions to United Kingdom SMEs, operating transparently in accordance with applicable laws and regulations.

    2026 Elect Capital. All rights reserved.