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’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.
See how much it'll cost you to take out a Capify loan
Use the fields above to estimate business loan costs.
Please note this calculator provides illustrative estimates only.
This tool is designed to help you estimate the monthly and overall costs of borrowing . You can adjust the duration of the loan and the interest rate to get a better idea of what would be affordable. Our calculations assume that any fees involved are bundled in with the loan amount and repaid over the same term, at the same rate. Refer to your loan agreement for exact repayment amounts as they may vary from our calculations.
Capify loan options
Capify provides two types of business finance:
Loan type
Borrow
Repayments
Business loan
£5,000 to £750,000
Daily or weekly
Merchant Cash Advance
£5,000 to £500,000
As a percentage of card transactions
Key features of Capify business loan at a glance
Borrow £5,000 to £750,000. Borrow up to 75% of your annual turnover.
Repay daily or weekly. Pay back your loan little and often, rather than in larger monthly instalments.
Repay over 6 to 18 months. Choose a repayment term that suits your business.
Dedicated account manager. Talk through your individual circumstances at every stage of your application, and after you get the money, with just one person.
Automated repayments. Capify takes repayments automatically from your business bank account on your chosen dates.
Fees. Capify charges a processing fee as well as a monthly administration fee. Be sure to check the total amount you will repay before agreeing to a loan.
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:
Be a limited company based in the UK.
Have trading accounts for at least twelve months.
Process more than £10,000 per month through your business bank account.
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”.
Capify customer reviews
Capify has received positive reviews from customers according to review platform Trustpilot, where it currently has a “great” rating of 4.4 out of 5, based on over 520 reviews (updated October 2024).
Over 80% of customers on Trustpilot gave Capify an “excellent” review, with people highlighting their customer service, quick turnarounds and application process. Some reviews also questioned the fees that Capify charges.
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
This will depend on the individual needs of your business and how you manage cash flow. The cash advance usually suits small to medium sized businesses with seasonal turnover, as you pay back less in quiet periods and more in busy periods. For example, it may work well for businesses in the hospitality trade. Business loans may suit companies with a more steady income stream.
Once your loan has been approved, you can expect the money in your bank account within a few days.
With a Capify Business Loan, you can choose daily or weekly repayments. With a merchant cash advance, you pay an agreed percentage of your daily card transactions. The percentage taken is usually tailored to your business.
Capify does charge several additional fees on top of interest. Always make sure you check the total amount of money you will have to pay back before you agree to a loan.
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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.
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