Federal Capital Limited Reviews 

Quick and easy to deal with!

Fantastic Company !
I would be lost in my job as a commercial finance broker if I didn't have Federal Capital on my panel of funders. They are incredibly easy to work with and make the whole process quick and simple. Please don't ever stop doing what you're doing !

Have worked with Callum and the team since 2019. They are all a pleasure to deal with, their customer service & speed is second to none!

Working with Federal Capital has been a very positive experience for years now. Their team is responsive, easy to deal with, and clearly understands the realities of small business financing. Over the past several years we’ve found them to be pragmatic in their approach — they look beyond rigid criteria and take the time to assess each case on its own merits.

Turnaround times are consistently impressive. We often receive credit decisions within a few hours, and funding can follow the very same day, which makes a huge difference for clients who need quick access to capital. Both the operations team and the people behind the scenes are professional, supportive, and easy to collaborate with.

It’s rare to find a lender that combines speed with a thoughtful approach to underwriting, and that’s what has made our relationship with Federal Capital so valuable. We look forward to continuing to work together for many years ahead.

Great company with fast decisioning, efficient pay outs and a really helpful front and back office team. Having worked with Federal Capital for over four years now, it is refreshing to work with a lender that takes a human approach to underwriting, understanding the nuances of the SME market and the fact that not everyone is "bank grade" eligibility. We typically get a decision within a couple hours and funds released same day which is perfect for those clients who have really time sensitive requirements. Long may our partnership continue!

Clear expectations was given to me on first context and the service levels where matched, providing our client with a business loan within a very short time scale to support purchase of raw materials

Federal Capital are a change from the normal, we can't do this or that, or this will take us a week to decide. They can get to loans that other providers are unable to, and they do it quickly! Wouldn't hesitate to recommend!

Smooth from start to finish. The professionalism and speed puts the rest to shame

Great company to work with, excellent service and would recommend without hesitation. They look to fund where others cannot. A refreshing change to the world of finance that we live in.

Not only a positive outcome, but an incredibly quick and efficient process.

Great company to work with. Callum and the team are always on hand, responsive, and easy to deal with. The process is straightforward and they work quickly to get things done.

Always professional and a pleasure to work with – highly recommended.

one star only

If this company is the last resort to find finance, maybe take the bitter pill now, rather than in 3-6 months time.
During the period 2014-2025, the number of personal bankruptcy orders, that were made throughout the UK pursuant to bankruptcy petitions lodged on behalf of Federal Capital Limited, amounts to 235.
To put this in relation: 252 bankruptcy orders were made against individuals following petitions lodged by the UK's SIX LARGEST HIGH STREET LENDERS PUT TOGETHER throughout the same period.
Referenced against the period mentioned first above - by the end of 2025 Federal Capital will be responsible for more bankruptcy orders made against individuals than Lloyds, Nationwide, NatWest, Santander, Barclays Bank and HSBC put together.
Business is blooming though for Federal Capital - it paid a dividend of roughly £2m for the year 2024 and sits on retained profits of £27.9m as of FYE 2024. Profiting from other people's and businesses distress seems the way to go.
Stay clear of them if at all possible; if Federal Capital appear to be the last resort, you are more likely than not delaying the inevitable and make their directors rich in the process.

Serious Misconduct by Federal Capital Ltd – Calling Others Affected to Come Forward

My name is Rav Dhillon, and I’m sharing my experience with Federal Capital Ltd to warn others and encourage anyone affected by similar conduct to come forward. We are currently exploring the potential for group litigation.

Federal Capital pursued a bankruptcy petition against me The process revealed what I believe to be a serious abuse of insolvency proceedings

This experience has raised deep concerns about:
• The misuse of bankruptcy and insolvency procedures;
• Heavy-handed enforcement tactics;
• Lack of regulatory compliance and fair treatment.

If you have faced:
• Bankruptcy or winding-up threats
• Aggressive or disproportionate debt recovery action;
• Financial or reputational impact from dealings with Federal Capital.

Then I urge you to step forward. You are not be alone.

I have lost my business

We are building a group of affected parties to hold Federal Capital accountable. If this sounds familiar to your situation, please consider joining the effort.

Tell me a about your case Email me your case bundle and more information at: website coming soon

I have been working with Federal Capital for 5 years now and have always had a good experience with the team. impeccable level of service and would highly recommend.

I had no issues with them. They were efficient, got back to me when required and made it clear what needed to be paid and when. Shout out to Victoria for her hard work.

Threatening legal action because I can’t pay for 10 days. Written saying they are going to apply for me to become bankrupt! Wtaf . Do not use them . Evil people

A truly excellent and Efficient outfit.

I would have no issue with recommending them.

My business ran into difficulty. A broker put me in touch with this company. They were quick, the interest was high, but they solved an issue for me at the time. I ran into difficulty with the loan itself, and these guys play hardball. But why should they do otherwise? If you borrow you pay it back. As long as you are fully prepared to deal wth the consequenes if you breach with them, use them all day. We struck a bargain after I ran into trouble, and all in all, they are commercial, tough, but why would you want to deal with anything else. I'll happily use them again if I need them if they'll have me. Why not, they got the business done, I agreed to the terms and they do what they need to do to protect their business. Sounds like reasonable practice to me.