Unlock capitalyou’re already owed.
UK businesses are sitting on an estimated £5–11 billion of recoverable claims — against energy brokers, lenders, equipment-finance packagers, post-insolvency counterparties. Money already owed. Just not yet collected. If we can show you have one, we can show you how to access capital against it today — without waiting years for the settlement.
What do you want to check?
Pick the closest match. Most clients qualify on more than one — we'll flag them.
A different kind of business finance — because it isn’t finance at all.
Most businesses reach for a loan, an overdraft extension, an equity round. We’re asking a different question: is there already money owed to you that you haven’t been paid? If the answer is yes, that receivable is an asset — and assets can be turned into capital.
No debt on your balance sheet.
There’s nothing to repay. No interest clock running. No covenants. No personal guarantees to be called. The capital released is a realisation of an asset, not the creation of a liability.
You don’t give up a share of your business.
No cap table change. No new board seat. No drag rights, tag rights, or ratchets. You keep 100% ownership of the company — and 0% of the claim you no longer need to wait for.
Your claim is the asset — not your business.
The money is already yours; it’s just held up in a broker, a lender, or a settlement process. A structured funding partner buys the claim at a discount and takes the recovery risk. You take the cash.
Four steps from eligibility check to cash in the account.
- 1
Eligibility check
60-second document-free check confirms you have a claim worth auditing. Same widget as the recovery route — one intake covers both.
- 2
Valuation
Named caseworker builds a written valuation memo against your actual contract and counterparty, banded by probability and timeline.
- 3
Capital offer
If your claim clears the threshold and you want to proceed, a structured funding partner issues a firm offer. You review with independent legal advice — paid for on your behalf.
- 4
Cash to your account
Typically 14 days from signed documentation. The claim transfers to the funder non-recourse. If the recovery later fails, you keep the cash. You walk away clean.
You can still choose the standard recovery route at any point — keep the claim, we pursue it, 25%+VAT on recovery. The capital route is an option, not a funnel. Most businesses want to at least see the number before they decide.
Faster than a bank. Cheaper than equity. Quieter than either.
Expansion capital
A second site, a third van, a new production line. Known ROI, no time to wait six weeks for a bank committee.
Working capital
Seasonal cashflow. A big stock buy ahead of Christmas. Payroll through a slow quarter. Smooth the curve without new debt.
Bridge to an opportunity
A named acquisition, a property deposit, a plant replacement — where the deadline is tighter than the usual finance clock.
Debt restructuring
Pay down a painful MCA, an expensive loan, a personal overdraft. Cheaper capital replacing expensive capital.
Runway through recovery
Trading through a tough quarter, a legal dispute, a slow-paying customer. Certainty of cash now, rather than possibility later.
Director dividend / drawdown
The claim belongs to the company; the proceeds can be distributed in the ordinary way. Talk to your accountant on tax treatment.
Why business owners pick this route over a bank loan or an equity round.
Every alternative either puts debt on your balance sheet, dilutes your equity, or takes months to close. A capital release against a claim you already own does none of those things — and settles in days, not quarters.
| Capital via claim | Bank loan | Equity raise | |
|---|---|---|---|
| Debt on your books | No | Yes | No |
| Personal guarantee | No | Usually | No |
| Equity dilution | No | No | Yes |
| Covenants | No | Yes | Sometimes |
| Time to cash | ~14 days | 6–12 weeks | 3–6 months |
| If your claim fails | You keep the cash | Still owe the debt | n/a |
Business claimants with a live, recoverable claim.
The capital route is available to UK limited companies, LLPs and commercial partnerships where our assessment confirms a recoverable claim above our minimum threshold. It is not available for personal claims, personal-injury claims, or claims already pledged or listed elsewhere. Individual claimants are referred to a regulated solicitor panel — we do not buy personal claims.
- UK Ltd company, LLP, or commercial partnership
- Recoverable claim in one of our three tracks (energy / finance / post-insolvency)
- Estimated gross claim of £10,000 or more
- Claim not already subject to a CFA, DBA or prior assignment
- Prepared to engage under independent legal advice (paid by us)
- Directors available for KYC and claim provenance review
Structured properly — or we don’t proceed.
Independent legal advice
Paid by us, directly to a solicitor of your choice. Their job is to make sure you understand the assignment, the discount, and the fact that you won’t share in later upside. No signature until ILA is confirmed.
Cooling-off period
Seven days after signing to change your mind and unwind the transaction without cost. Documented in every engagement.
Transparent valuation
A written valuation memo shows the inputs — estimated gross recovery, probability band, timeline, financing cost. Not a black box.
Windfall uplift policy
If the claim eventually recovers more than 3× our valuation, we pay you 10% of the excess. A policy, not a contractual obligation — but we hold ourselves to it.
Direct answers, no asterisks.
- No. A loan puts debt on your balance sheet and requires repayment. This is the sale of a receivable — a specific, identified claim you already own — to a structured funding partner, on a non-recourse basis. Cash comes in, the claim goes out, nothing to repay.
See if your business has a claim worth capitalising.
Sixty seconds, no documents. If you’re in scope we’ll come back within a working day with an indicative recovery range and — if it clears the threshold — the capital route on the table.
Capital released against a claim is an outright assignment of a chose in action for consideration, structured through a ring-fenced funding vehicle. Assignments are subject to eligibility, independent legal advice and contract. Available for business claimants only. refunds.energy is the origination and valuation gateway; capital is not provided by refunds.energy itself. Nothing on this page is a financial promotion or an offer of regulated credit. refunds.energy is a trading division of Efficiency Professor Consultancy, a DBA of WFT Limited and does not provide legal, tax or financial advice. Terms · Privacy.