CapRelease raises £26.9m to speed retailers' working capital using logistics data
This article covers CapRelease, a supply-chain startup, which has raised £26.9m ($36m) in combined debt and equity to accelerate UK growth and prepare for a planned US launch in 2026. The funding aims to speed working capital to eCommerce retailers by linking lending decisions to logistics and operational data, supporting UK SMEs and the broader eCommerce ecosystem.
CapRelease, a supplychain startup that embeds finance into logistics systems for online retailers, has raised £26.9m ($36m) in combined debt and equity to accelerate UK growth and prepare for a planned US launch in 2026. The funding bolsters the firm’s effort to speed working capital to eCommerce businesses by linking lending decisions to operational logistics data.
Why it matters
UK eCommerce is nearing mainstream scale, with the market projected to reach roughly £180bn in 2025. Many small and medium retailers still face slow credit assessments, heavy collateral requirements and underwriting models that do not reflect their operational realities. A model that directly ties finance to logistics data could reduce friction for merchants and change how working capital is provided across the sector.
Inside the product
CapRelease integrates with carriers and retail technology partners to verify shipments, returns and fulfilment data. It combines multiple data sources with machine learning and other AI-driven models to assess credit risk based on business activity rather than personal guarantees or traditional collateral. The platform aims to shorten decision times, lower loss rates through more granular risk signals and make capital more accessible to merchants that move goods regularly.
Who are the investors?
Who are the investors?
The round is structured as a £24.9m ($33.3m) senior debt facility provided by Partners for Growth and a £2m ($2.7m) equity investment led by a global family office with a FinTech portfolio that includes UK neobanks. CapRelease expects a second close of the equity round in Q1 2026 to support its US expansion.
Partners for Growth is a global private credit firm that provides structured debt solutions to growth-stage companies across technology, life sciences and FinTech. The senior facility is CapRelease’s first institutional debt line, intended to provide liquidity for faster underwriting and wider distribution of its product.
In the announcement, Richard Osborne, Investment Director at Partners for Growth, said:
We are excited to partner with CapRelease at this pivotal stage. The team’s depth of expertise across credit, logistics and technology has enabled a globally distinctive lending and distribution model with the potential to reshape how eCommerce businesses access capital. We are proud to support CapRelease as they continue to scale.
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Founder perspective
Founders framed the raise as a step toward putting more practical capital into merchant hands and strengthening logistics integrations.
In the announcement, Jack Williams, Founder and CEO of CapRelease, said:
This raise represents a significant step-change for CapRelease, the logistics ecosystem and for funding eCommerce retailers. By combining multi-source AI and machine learning data intelligence with a modern approach to risk infrastructure, we are helping retailers unlock capital with greater confidence and far less friction.
In the announcement, David Nangle, Founder and CFO of CapRelease, said:
Partnering with a specialised global credit fund like Partners for Growth is a major milestone for us. This is our first senior institutional debt facility and it gives us the firepower to accelerate growth while, most importantly, getting faster and more fit-for-purpose capital into the hands of SMEs to support their ambitions.
The bigger picture
The deal highlights two trends in UK fintech and supplychain finance: embedded finance moving closer to operational data, and private credit playing an increasing role alongside equity for growth-stage companies. Logistics-embedded finance can appeal to lenders because verified operational signals reduce information asymmetry, but success depends on deep integrations with carriers and retail stack partners.
For CapRelease, the next test will be scaling those integrations in the UK and replicating them for the US market, where logistics networks and regulatory conditions differ.
This funding round underlines how UK fintech innovation continues to attract structured debt and family office capital, and how operational data is becoming a core input for lending across Europe and beyond.
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