Forma Capital connects UK limited companies and large partnerships with the right lenders across a whole-of-market panel. From £10,000 to £2,000,000+, funded in as little as 24 hours.
✓ No impact on credit score ✓ Less than 60 seconds ✓ No broker fee
Tell us about your business and what you need.
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Complete our simple form — no paperwork, no credit check, no commitment. Just tell us what your business needs.
Your dedicated broker searches our full panel of 40+ lenders and presents the best options in plain English.
Choose your offer and we manage everything through to drawdown. Funds in your account in as little as 24 hours.
We search our full panel of 40+ lenders to find the right product — not just what's easiest to sell.
We specialise in sectors where funding is most needed and banks most often say no. Click your sector to find out how we can help.
Switch between product types for a tailored estimate. No credit check. Illustrative only.
Illustrative only. Actual rates depend on your business profile and lender assessment. No credit check required to apply.
Illustrative only. Based on approx. debtors outstanding at any time. Actual advance rates and fees vary by lender.
Illustrative only. Rates vary by asset type, age, and lender. No credit check required to apply.
Illustrative only. Commercial mortgage rates vary significantly by property type, LTV, and lender. No credit check to enquire.
Illustrative only. Bridging rates vary by LTV, security type, and exit strategy. Response within 2 hours.
We don't just find you a lender. We find you the right lender, at the right terms, faster than you could do it yourself.
Most businesses approach one or two lenders directly and accept whatever terms they're offered. Forma Capital searches 40+ lenders simultaneously — including specialist alternative lenders your bank has never told you about. The result is better rates, higher approval chances, and terms that actually fit your business.
No call centres. No being passed between departments. No explaining your situation three times to three different people. At Forma Capital, one broker manages your case from the moment you enquire to the moment funds hit your account — and is contactable throughout.
Traditional bank lending takes weeks and still often ends in rejection. Our lender panel includes specialists who can approve and fund in as little as 24 hours for the right application. We know which lenders move fast, which products suit your situation, and how to package an application that gets approved first time.
Here is exactly what happens when you work with Forma Capital — from first enquiry to funded.
We search our full panel of 40+ lenders on your behalf at no cost to you. You only pay if you draw down.
One named broker handles your case from start to finish — available by phone, email, and message throughout.
Every enquiry gets a response within 2 business hours. No chasing. No waiting days to hear back.
We present your best 2–4 options in plain English — total cost, monthly repayment, key terms. No jargon, no pressure.
We package and submit your application, liaise with the lender, and manage the process through to drawdown.
We run a soft search only. No hard credit check is placed without your explicit consent. Your credit score is protected.
Our fee is paid by the lender on completion — disclosed clearly upfront. No hidden charges. Ever.
We diarise your renewal 90 days before your facility expires and proactively reach out to review your options.
Our entire operation is built around Ltd companies and large partnerships. You get a specialist, not a generalist.
See how we compare to going direct to a lender or using a generalist broker — on every dimension that matters.
| Forma Capital | Your Bank | Generalist Broker | |
|---|---|---|---|
| Searches 40+ lenders | ✓ | ✗ | ✓ |
| Exclusively for Ltd companies | ✓ | ✗ | ✗ |
| Response within 2 business hours | ✓ | ✗ | Sometimes |
| Funding in as little as 24 hours | ✓ | ✗ | Sometimes |
| Dedicated named broker | ✓ | ✗ | Rarely |
| Access to alternative lenders | ✓ | ✗ | ✓ |
| No broker fee to client | ✓ | ✓ | Not always |
| Sector expertise (your industry) | ✓ | ✗ | ✗ |
| Will lend when banks say no | ✓ | ✗ | ✓ |
| No impact on credit score to enquire | ✓ | ✗ | Not always |
"Our bank had been saying no for months. Forma Capital came back with three options within 24 hours. We drew down £180,000 and completed our kitchen refurbishment on time."
"Invoice finance changed our business. We went from chasing 90-day payments to having cash in the account within 48 hours of raising an invoice. Absolute game changer."
"We needed £350,000 to fit out our second aesthetics clinic. Forma Capital understood the sector immediately and found us an asset finance deal that worked perfectly."
"We placed 40 contractors in a single month and the payroll gap nearly broke us. The revolving credit facility Forma Capital arranged means we never have that problem again."
"Straightforward, fast, and completely transparent. The broker explained every option clearly and we felt no pressure whatsoever. The £250,000 loan completed in under a week."
"We needed to stock up for Christmas and our usual credit line wasn't enough. Forma Capital arranged a merchant cash advance in 48 hours. Best decision we made that quarter."
"We had a CQC inspection coming up and needed to fund urgent compliance work. Forma Capital moved faster than any lender we'd ever dealt with directly. Funded in 3 days."
"Forma Capital is the first broker that actually understood our SaaS business model. We got a £500,000 growth loan without having to explain what ARR means three times."
"Our bank had been saying no for months. Forma Capital came back with three options within 24 hours. We drew down £180,000 and completed our kitchen refurbishment on time."
"Invoice finance changed our business. We went from chasing 90-day payments to having cash in the account within 48 hours of raising an invoice. Absolute game changer."
"We needed £350,000 to fit out our second aesthetics clinic. Forma Capital understood the sector immediately and found us an asset finance deal that worked perfectly."
"We placed 40 contractors in a single month and the payroll gap nearly broke us. The revolving credit facility Forma Capital arranged means we never have that problem again."
"Straightforward, fast, and completely transparent. The broker explained every option clearly and we felt no pressure whatsoever. The £250,000 loan completed in under a week."
"We needed to stock up for Christmas and our usual credit line wasn't enough. Forma Capital arranged a merchant cash advance in 48 hours. Best decision we made that quarter."
"We had a CQC inspection coming up and needed to fund urgent compliance work. Forma Capital moved faster than any lender we'd ever dealt with directly. Funded in 3 days."
"Forma Capital is the first broker that actually understood our SaaS business model. We got a £500,000 growth loan without having to explain what ARR means three times."
Join the growing number of UK limited companies who chose Forma Capital to find the right funding — faster, with less hassle, and at better terms.
No jargon, no runaround. Here is exactly what happens when you work with Forma Capital, what we need from you at each stage, and how long each step typically takes.
Complete our short online form or call us directly. We need to understand your business, the amount required, the purpose of the funding, and your urgency. No documents needed at this stage — just a conversation.
Your dedicated broker searches our full panel of 40+ lenders to identify the best fit for your business profile, sector, and funding requirement. We do the legwork — you do nothing at this stage.
We come back to you with 2–4 tailored options in plain English — showing the total cost, monthly repayment, key terms, and our recommendation. No jargon, no pressure. You take as long as you need to decide.
Once you select a lender, we package your application and submit it on your behalf. This is when we typically need supporting documents. The exact requirements vary by product and lender.
The lender reviews your application and issues a credit decision. For fast products like MCA and short-term loans, this can happen in hours. For secured loans and mortgages, allow 5–15 working days. We chase the lender so you don't have to.
You accept the lender offer, sign the facility agreement (electronically in most cases), and funds are released to your account. We remain available post-completion for any queries and diarise your renewal 90 days before expiry.
Apply in 60 seconds. No credit check. No commitment. Your dedicated broker will be in touch within 2 business hours.
Exclusively for UK limited companies and large partnerships
Everything you need to know. Can't find your answer? Email hello@formacapital.co.uk
How Forma Capital collects, uses, and protects your personal data.
Last updated: January 2025
Forma Capital Commercial Finance Ltd is a commercial finance introducer registered in England and Wales, registered with the ICO as a data controller. Contact: hello@formacapital.co.uk
Name, job title, business name, Companies House number, email, phone, business financial information, and director/beneficial owner details for KYC/AML purposes.
Contract performance, legitimate interests, legal obligation, and consent where applicable under UK GDPR.
We do not sell your personal data.
Client and application data is retained for 6 years from your last interaction, then securely deleted.
You have the right to access, rectify, erase, restrict, port, and object to processing of your data. Contact hello@formacapital.co.uk. We respond within 30 days.
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We implement appropriate technical and organisational measures to protect your data.
Contact hello@formacapital.co.uk or the ICO at ico.org.uk / 0303 123 1113.
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Earn generous referral fees by introducing your clients to commercial finance. Perfect for accountants, solicitors, IFAs, and business consultants.
Every product below is available for your Ltd company and large partnership clients. You introduce — we handle everything else.
Unsecured advance repaid as a % of card takings. Same-day decisions available.
Secured and unsecured term loans from £25,000 to £2,000,000. 24hr to 4-week turnaround.
Release up to 90% of unpaid invoice value within 48 hours. Factoring and discounting available.
Hire purchase, finance lease, and refinancing for vehicles, plant, machinery, and equipment.
Flexible draw-and-repay credit lines from £50,000 to £750,000 for working capital management.
Owner-occupied and investment commercial property from £200,000 to £5,000,000+.
Fast, short-term capital for property purchases, auction finance, and time-sensitive opportunities.
Flexible funding repaid as a percentage of monthly revenue. No fixed repayments.
Fund large purchase orders before the goods are delivered or invoiced. Ideal for product businesses.
Fund the import and export of goods. Letters of credit, documentary collections, and supply chain finance.
Ground-up development and heavy refurbishment lending for property developers.
Corporate credit card facilities for Ltd companies — manage cash flow and earn rewards.
We pay 20–25% of our net fee on every successful introduction. Given our 7–15% fee model, this is significantly more per deal than traditional broker referral programmes. Paid promptly on drawdown.
Once you make the introduction, Forma Capital manages the entire process. Your client gets a premium service, you get paid. No paperwork, no lender calls, no chasing.
Being able to refer clients to a trusted commercial finance specialist positions you as a full-service advisor. Clients stay closer, refer more, and value you more highly.
Our standard introducer agreement is straightforward, professionally drafted, and FCA-compliant. Onboarding takes minutes. No complex compliance obligations for you.
We keep you updated on every introduction you make — from enquiry to completion. You always know where your referral stands and when to expect payment.
Forma Capital is the sister company of Forma Law Legal Recruitment — a trusted professional services brand. Your clients are in experienced, credible hands.
Complete the form below and we will be in touch within one business day to discuss the programme and send you our introducer agreement.
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