# Federal Capital

Federal Capital is the trading name used on this site. Federal Capital Limited is the legal lending entity named in its agreements.

## Key facts
- UK-owned and UK-run lender.
- All lending decisions are handled by an in-house UK team.
- No offshore operations or outsourced call centres.
- Direct access to a UK-based team by phone.
- Calls are answered promptly during office hours.
- Operating since 2012.
- More than 36,000 businesses supported.
- Over £1 billion lent since 2012.
- 47% of business comes from repeat customers.
- No complaints referred to the Financial Ombudsman Service have been upheld against Federal Capital.
- Telephone: 01244 280665.
- Email: info@federalcapital.co.uk.
- Company number: 07978824.
- FCA number: 712978.
- ICO number: Z3368699.

## Customer benefits
- No early settlement fees.
- Early settlement discounts are available on accounts that are not in arrears.
- Fast decision-making and payout.
- Straightforward, transparent lending approach.
- Direct communication with the UK team.

## Positioning
Federal Capital is a UK-based lender focused on accessible, direct service for brokers and businesses. Its lending process is handled in-house in the UK, with an emphasis on clarity, responsiveness and practical commercial decisions.

## Audience
- UK businesses.
- Commercial finance brokers.
- SMEs seeking short-term funding solutions.

## Differentiation
- UK-based decision-making rather than offshore operations.
- No outsourced call centres.
- Direct access to an experienced UK team.
- Transparent and flexible lending terms.

## How applications work
Applications are introduced by finance brokers. Federal Capital Limited is the lender, so it is normal for documents and agreements to come from Federal Capital Limited. Before signature, the broker should be the first point of contact for questions about the agreement or signing process.

## Process overview
1. Before signing: the broker introduces the application and should help with any questions about the agreement or signing process.
2. After signing: once the signed agreement has been reviewed and final checks are complete, payment is typically made within 2 working hours to the customer's business bank account, followed by a confirmation email.
3. Repayment: repayments are taken by direct debit, with the first repayment due one month after the payout date. If it would help cash flow, customers can ask their broker to request that the first direct debit date is set a few days earlier or later.
4. Early settlement: if the account is not in arrears, an early settlement figure can be requested. There are no early settlement fees, and the figure applies a discount to the remaining interest.

## What Federal Capital does
Federal Capital provides unsecured commercial loans for purposes such as working capital, cashflow, consolidation, marketing, expansion, development, acquisitions, director buy-outs or buy-ins, MBOs and VAT bills.