Huddle Capital – reviews, analysis and fees

Huddle Capital is a peer-to-peer lender, providing loans to SMEs based on investment from external sources – but does it have good reviews?

We have to be blunt; Huddle Capital seems more interested in aiding investors to maximise their money than providing the most competitive lending experience for businesses searching for funding, with the official website geared very much toward encouraging investment over borrowing.

This theory bears fruit when we investigate the limited online discussion surrounding Huddle Capital, with no reviews online from SMEs but positive feedback from investors that claim Huddle Capital provided them with a greater yield on interest than many rivals.

Overall, Huddle Capital does not appear to be an ideal first port of call for any business seeking financial assistance.

Huddle Capital business loans and finance

• Pros and cons
• Business loans
• Commercial mortgages
• Merchant cash advance
• Business credit cards
• Asset finance
• Invoice finance
• Business vehicle finance
• Huddle Capital key information
• Huddle Capital reviews
• Business eligibility criteria
• Business finance alternatives
• FAQ

Pros and cons of Huddle Capital for business finance 

Pros	Cons
✓ Investors choose who they loan to, suggesting a lender will be interested in your success	✗ All borrowing must be secured against a property
✓ Huddle co-invests in loans, encouraging more funding from outside the business	✗ No online reviews from borrowers
	✗ Talk of high interest rates from investors online
	✗ Can take weeks to receive your funding
	✗ Repayments are due weekly, not monthly

Business loans

SME loans are the nature of Huddle Capital’s business model, financed by outside investors. If you wish to apply for a loan through Huddle, you will need to get in touch and undertake a full assessment of your company finances, and agree to secure the loan against the equity in a property your own. 

If your application is approved, you will be uploaded to the Huddle Capital loans portal, and Huddle will attempt to pair you with an investor who is willing to loan you funds. Huddle loans are repaid on a weekly basis, not monthly.

Huddle Capital is not transparent at all about what this assessment requires, but know that investors online discuss Huddle as offering them high returns in interest – Huddle Capital promises investors a return of up to 16%, which could lead to very high weekly repayments – and Huddle loans are usually capped at 24 months in length. 

Commercial mortgages

Huddle does not offer commercial mortgages, but does frequently work with companies that wish to trade in property. You may wish to apply for a secured bridging loan from Huddle, for example. 

Merchant cash advance

✗ Not available from Huddle Capital. See merchant cash advance.

Business credit cards

✗ Not available from Huddle Capital. See best business credit cards. 

Asset finance 

✗ Not available from Huddle Capital. See best asset finance. 

Invoice finance

✗ Not available from Huddle Capital. See invoice factoring. 

Business vehicle finance

✗ Not available from Huddle Capital. See business vehicle finance.

Huddle Capital key information

Phone number	0113 468 1408
App downloads	N/A
Website	www.huddlecapital.com
Number of branches	N/A
FSCS protected?	No
Founded	2016, Leeds

Huddle Capital reviews

Review platform	Score	Number of votes
TrustPilot	Not reviewed	N/A
Feefo	Not reviewed	N/A
Reviews.io	Not reviewed	N/A
Smart Money People	Not reviewed	N/A
Which?	Not reviewed	N/A
Average score	No online reviews	0 total votes

Business eligibility criteria

Huddle Capital does not discuss its lending criteria so you will need to call to learn if you are eligible for borrowing. All we understand is that you must be a homeowner and be prepared to secure your loan against the equity in this property, with a maximum loan-to-value ratio of 75%.

However, Huddle Capital also mentions that it prefers to lend to SMEs that can display a clear exit strategy from their loan. It is seemingly unwise to approach this lender if you need an ongoing, general cash injection.  

Business finance alternatives

To be perfectly honest, it seems worthwhile investigating most other business lenders for an SME before turning to Huddle Capital. Whether it’s a high street bank, a more transparent peer-to-peer lender like Folk2Folk, or just a straightforward online financier, you will likely get a faster response at a cheaper rate.

FAQ