How we help

Invictus Capital is authorised and regulated by the Financial Conduct Authority. We treat our customers fairly, and give them the advice and products they need to grow their businesses and achieve their goals.

What we do

Our Expertise & Services

We offer a variety of services. The key is delivering the correct product; many customers are misled by terminology or unaware of the variety of products in the market. We strive to build long standing relationships with businesses and their owners, because the market can often be confusing.

Asset Finance

Hire Purchase (Hard Assets)

Typically, Hard assets are wheel vehicles, renewables, Plant, Manufacturing equipment, which is purchased on a Hire Purchase contract.

You all pay all the VAT up front, as well as the initial payment, and have guaranteed ownership at the end of the agreement.

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Commercial Loans

Commercial Loans

There is a new breed called the Alternative Finance Market. This refers to financial channels and instruments that have emerged outside of the traditional finance system such as regulated banks and capital markets. Examples of alternative financing activities through ‘online marketplaces’ are reward-based crowdfunding, equity crowdfunding, peer-to-peer business lending, invoice trading third party payment platforms.1

1 Source: Wikipedia

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Did you know that peer to peer lenders have restrictive covenants within their Terms and Conditions which can preclude you from borrowing further in the future?

Merchant Terminal Cash Advances

This is a fantastic facility for hotels, Cafés, gyms, nightclubs, pubs, bars in fact any business where the main income is via the hand held PDQ machine. Your credit does not have to be perfect either… CCJ’s and defaults are not an issue!

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Acquisition Finance

Are you looking to purchase an existing business? Either to take over the running of or to adding to your current business? We offer either share based or Asset based facilities for acquisition and goodwill loans.

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VAT and Tax Funding


VAT is funded over three months with payments in arrears, and we can even pay HMRC directly on your behalf. This is a fantastic working capital facility which takes away the pressure of having to bank for VAT on a quarterly basis. Interest starts from a sum total of 4.5% interest. If your VAT bill is £25,000 then you’ll pay a total of £26,125 in three monthly repayments. This is subject to underwriting and conditions.

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This is another working capital facility which is split in two categories:

Capital Expenditure

We can look to refinance recent purchases made within the last six months and this can be for any business asset including: signage, IT, shelving, partitioning, carpet tiles. These are some of the more extreme examples but this does give a good idea of the flexibility we have.

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Working Capital is the life’s blood of any business

Vehicle Finance

We can finance new and second hand cars for both business and personal usage as well as fleets. Some diverse examples are:

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Invoice Discounting

Invoice finance

Boosts your cash flow by providing an injection of cash into your business immediately once you have delivered the goods or completed the service. Rather than waiting 30 or 60 days to get paid you can raise finance against your unpaid invoices. Typically, you can draw down up to 90% of your invoice value. This solution provides an injection of working capital and an ongoing cash flow facility that is directly linked to your sales.

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If you already have an account with Invictus, you can log in using the button below.

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Still unsure?

If you’d like to learn more about how we can help your business, get in touch below.

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