A brokerage built on doing the basics properly
Capital Business Loans Limited is a commercial finance brokerage based in Chester. We sit between UK businesses and a specialist lender panel, packaging cases accurately, presenting options honestly, and seeing them through to drawdown.
One regulated company, two specialist trading styles
Clients and lenders always deal with the same regulated entity, the same compliance framework and the same team.
Commercial finance for UK SMEs across every sector.
Funding structured for regulated professional practices.
Two specialist brands, one regulated brokerage
SME Finance Hub and Practice Capital are both trading styles of Capital Business Loans Limited. Same team, same standards, same regulation — with expertise focused where it matters.
SME Finance Hub
Commercial finance for UK SMEs
Fast, straightforward business funding for small and medium businesses — unsecured loans, merchant cash advances, asset finance, invoice finance and VAT/tax funding.
- In-depth case studies and product overviews
- Specialist funding knowledge built from real cases
- Solutions for imperfect credit histories
Practice Capital
Funding built around professional practices
A specialist trading style for regulated professions — funding structured around practice cashflow, partner drawings, acquisitions and professional indemnity premiums.
- Legal, dental, medical, accountancy, veterinary and more
- Practice growth or working capital funding
- Tax loans and PII premium funding
The standards we hold ourselves to
Independent and honest
We are a credit broker, not a lender. We work with a specialist lender panel and recommend funding based on suitability, not simply on the commission available.
Transparent by default
No upfront fees, ever. We are paid commission by the lender on completion. We disclose the commission we will receive for your recommended facility before you proceed.
Real people, named brokers
Every client gets a named broker who owns the case from first call to drawdown. No call centres, no handoffs.
Regulated and accountable
Authorised and regulated by the Financial Conduct Authority (FRN 1000382). We keep clear records, disclose commission and treat customers fairly.
Our regulatory position, in plain terms
Authorisation
Capital Business Loans Limited is authorised and regulated by the Financial Conduct Authority under firm reference number 1000382. You can verify this on the FCA Financial Services Register.
Broker, not lender
We are a credit broker, not a lender. We do not lend our own money and we do not charge clients upfront fees. We are paid commission by the lender on completion, disclosed before you proceed.
Registered office
Suite 31, Shiftworks, 14 Upper Northgate Street, Chester, CH1 4EE.
Trading styles
SME Finance Hub and Practice Capital are trading styles of Capital Business Loans Limited. Both operate under the same permissions and the same compliance standards.
Talk to a broker today
Tell us what the business needs and we will tell you honestly what is achievable.