How We Compare Providers
Every comparison and review on CapExpand follows a consistent methodology. Here is exactly how we evaluate card machine providers and business funding lenders, and why we weight each factor the way we do.
Our Approach
CapExpand is an authorised Dojo card machine partner and a commercial finance introducer. We are transparent about this. Our comparisons aim to give business owners the information they need to make the right decision for their situation.
We base our evaluations on publicly available pricing, direct experience working with providers, feedback from the businesses we have helped, and published Trustpilot reviews. We update our content regularly to reflect pricing changes and new features.
Where Dojo is the strongest option, we say so and explain why. Where another provider genuinely suits a particular use case better, we are honest about that too. Business owners deserve straight answers, not sales pitches dressed up as reviews.
Card Machine Scoring Criteria
Transaction Fees
30% weightingThe percentage rate and any per-transaction fees charged on card payments. We calculate real-world monthly costs at multiple volume levels rather than comparing headline rates alone.
Hardware & Connectivity
25% weightingTerminal quality, connectivity options (4G, WiFi, Bluetooth), built-in features like receipt printers, and whether hardware is included or purchased separately.
Features & Software
20% weightingBusiness intelligence, analytics dashboards, tipping functionality, QR payments, integrations with EPOS systems, and any additional tools that add value beyond basic payment processing.
Support & Reliability
15% weightingUK-based phone support availability, response times, platform uptime track record, Trustpilot ratings, and how the provider handles complaints and account issues.
Contract Flexibility
10% weightingContract length, exit fees, commitment-free trial options, and how easy it is to leave if the provider does not work out.
Business Funding Scoring Criteria
Total Cost of Funding
30% weightingFactor rates, interest rates, and any additional fees. We look at the total repayment amount relative to what the business receives, not just the headline rate.
Speed of Approval
25% weightingHow quickly a business can go from application to funds in their account. We track real turnaround times experienced by businesses we have introduced.
Eligibility & Flexibility
20% weightingMinimum trading history, turnover requirements, credit score sensitivity, and whether the lender works with a range of business types and circumstances.
Transparency of Terms
15% weightingHow clearly the lender explains costs, repayment schedules, and any conditions. We favour lenders who are upfront about what a business will pay.
Customer Support
10% weightingDedicated account management, accessibility of support teams, and responsiveness when issues arise during the funding process.
Keeping Content Accurate
Providers change their pricing, features, and terms regularly. We review every comparison page at least quarterly and update immediately when we become aware of significant changes. Every page shows a "Last updated" date so you know how current the information is.
If you spot something that is out of date or inaccurate, please let us know at hello@capexpand.com and we will correct it promptly.
Questions about our methodology?
We are happy to explain our reasoning on any comparison or recommendation. Get in touch and we will walk you through it.