Capify offers business finance to SMEs that is paid back little and often, rather than in larger monthly instalments.
Capify is a direct lender launched in 2008 when it merged its previous names of United Kapital and Capiota.
From its headquarters in Manchester, Capify provides finance to UK businesses from independents to SMEs, and retailers to restaurants. Whether you choose a business loan or a cash advance, the credit is paid back daily or weekly.
In January 2019, Capify secured a £75 million credit facility from Goldman Sachs Private Capital to help it provide working capital to SMEs.
Whether you’d like to pay for new equipment or an office refurbishment, or you need a cash boost to take your business to the next level, Capify could help with fast and flexible business finance to suit your needs. It’s quick and straightforward to apply online at the Capify site.
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Capify loan options
Capify provides two types of business finance:
|Business loan||£5,000 to £150,000 (up to 75% of annual turnover)||Daily or weekly|
|Merchant Cash Advance||£3,500 to £150,000||As a percentage of card transactions|
Key features of Capify business loan at a glance
Am I eligible for an Capify business loan?
You should only apply for a Capify business loan if you’re certain you can meet the repayment terms. You must also:
Key features of a Capify merchant cash advance at a glance
Am I eligible for a merchant cash advance with Capify?
You should only apply for a Capify merchant cash advance if you’re certain you can meet the repayment terms. You must also:
Interest rates are fixed for the duration of your repayment period. However, the rate you’re offered will depend on factors like the amount you apply for, the term of the loan, the performance of your business and its credit rating. This may differ from the advertised “Representative APR”.
How can I apply?
- Simply visit the Capify website, click on “Get a Quote” and fill out some basic details about yourself and your business.
- A Capify account manager will call you to talk through your application in more detail and help you decide which finance option best suits you.
- Once you have been approved for a loan, you should have the funds in your account within a few days.
Frequently asked questions