working capital loan comparison small business
Compare lenders on true cost, not the advertised rate
Banks, NBFCs, microlenders and development banks by country and city, with the instalment and the true cost of credit worked out before you apply.
Instalment and true cost
Fees included, so the cheapest headline rate does not win by default.
13 finance types
Working capital, equipment, invoice finance, trade credit and more.
Apply once
One application to the lenders that fit, then compare the offers that come back.
Repay online
Instalments and receipts in the same place as the rest of your money.
Questions people ask
- What is the true cost of credit?
- Total interest plus arrangement and processing fees over the whole term — the only number worth comparing.
- Do you lend money?
- No. Unity & Utility is software that connects you to lenders and runs the paperwork.
Next
- Find the schemes you actually qualify for
- From asking a price to receipting the goods, in one thread
- Cover the load, the fleet and the yard without the phone calls
Free to start. No card needed to look around.
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