{"id":196703,"date":"2019-05-17T12:06:52","date_gmt":"2019-05-17T11:06:52","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=196703"},"modified":"2025-07-14T16:16:11","modified_gmt":"2025-07-14T15:16:11","slug":"capify","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/business-loans\/capify","title":{"rendered":"Capify business loans calculator and review"},"content":{"rendered":"<p>Capify is a direct lender launched in 2008 when it merged its previous names of United Kapital and Capiota.<\/p><p>From its headquarters in Manchester, Capify provides finance to UK businesses from independents to SMEs, and retailers to restaurants. <\/p><p>Whether you\u2019d 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\u2019s quick and straightforward to apply online at the Capify site.<\/p>\n\n\n<h3>See how much it'll cost you to take out a Capify loan<\/h3>\n\n\n<article id=\"ukfblcalc\" class=\"luna-card luna-card--border\" style=\"overflow: visible;\">\n<div class=\"luna-card__block\">\n<form class=\"luna-form\" onsubmit=\"return false\">\n<fieldset class=\"luna-form__fieldset\">\n<legend class=\"luna-legend\">Capify business loan calculator<\/legend>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput1\">How much do you want to borrow from Capify?<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"10\" placeholder=\"Loan amount\" id=\"ukfininput1\">\n<\/div>\n<\/div>\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput2\">Are there any fees?<\/label>\n<div class=\"luna-affix\">\n<span class=\"luna-affix__label\">\u00a3<\/span>\n<input class=\"luna-input\" type=\"number\" step=\"1\" placeholder=\"Fees\" id=\"ukfininput2\">\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput3\">What rate has Capify offered you?<\/label>\n<div class=\"luna-affix\">\n<input class=\"luna-input\" type=\"number\" step=\"0.01\" placeholder=\"Interest rate\" id=\"ukfininput3\">\n<span class=\"luna-affix__label\">%<\/span>\n<\/div>\n<\/div>\n\n<div class=\"luna-form__field\">\n<label class=\"luna-label luna-label--fluid\" for=\"ukfininput4\">How long do you want borrow for?<\/label>\n<input class=\"luna-input\" type=\"number\" step=\"1\" placeholder=\"Loan term (years)\" id=\"ukfininput4\">\n<\/div>\n<\/div>\n\n<div class=\"luna-form__group\">\n<div class=\"luna-form__actions\">\n<button class=\"luna-button luna-button--primary\" onclick=\"showResults(0);document.dispatchEvent( new CustomEvent('ga4.track', { detail: { name: 'formSubmitted', params: { formFields: { 'text': 'Rate: ' + Number(document.getElementById('ukfininput3').value) + ((window.sawTooltip || false) ? ' sawtooltip' : '') + ((window.matchedAvg || false) ? ' matchedavg' : '') } } } }));\">Calculate<\/button>\n<\/div>\n<\/div>\n\n<\/fieldset>\n<\/form>\n\n<article class=\"luna-card luna-card--alt has-margin-top-small\">\n<div class=\"luna-card__block\">\n<p class=\"text-x-large no-margin-bottom\" id=\"resultmessage\">Use the fields above to estimate business loan costs.<\/p>\n<div id=\"clcdsclmr\" class=\"text-small is-hidden\">Please note this calculator provides illustrative estimates only.<\/div>\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n<div id=\"toppicks-methodology\" class=\"topPicksMethodology--shortcode luna-accordionGroup accordionGroup\">\n\t<div class=\"luna-accordion\" data-accordion=\"accordion\">\n\t\t<div class=\"luna-accordion__summary\">\n\t\t\t<h4 class=\"luna-accordion__heading\">\n\t\t\t\t<button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"methodology-expander-0000000000\" data-toggle=\"collapse\" data-target=\"#methodology-expander-0000000000\">\n\t\t\t\t\t<span class=\"luna-accordion__title\">How our calculator works<\/span>\n\t\t\t\t\t<svg class=\"luna-icon topPicksMethodology__toggleIcon\" aria-hidden=\"true\">\n\t\t\t\t\t\t<use xlink:href=\"#chevron-down\" data-toggle-icon=\"show\" class=\"topPicksMethodology__toggleIcon-down\"><\/use>\n\t\t\t\t\t\t<use xlink:href=\"#chevron-up\" data-toggle-icon=\"hide\" class=\"topPicksMethodology__toggleIcon-up is-hidden\"><\/use>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/button>\n\t\t\t<\/h4>\n\t\t<\/div>\n\t\t<div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"methodology-expander-0000000000\" data-accordion=\"details\" style=\"height: 0px;\">\n\t\t\t<div class=\"accordionContent\">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.<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n \n\n<script>\n\nfunction showResults(onld) {\nvar amount = Number(document.getElementById(\"ukfininput1\").value);\nvar fees = Number(document.getElementById(\"ukfininput2\").value);\nvar rate = Number(document.getElementById(\"ukfininput3\").value) \/ 100;\nvar term = Number(document.getElementById(\"ukfininput4\").value);\n\n\nvar months = term * 12;\nvar j = rate \/ 12;\n    var m = j \/ (1 - (1 \/ (Math.pow((1 + j), months))));\n    var monthlysum = (amount + fees) * m;\n    var totalsum = monthlysum * months;\n\n    monthlysum = ((Math.round(monthlysum * 100)) \/ 100);\n    totalsum = ((Math.round(totalsum * 100)) \/ 100);\n\n    var monthlySumFormatted = monthlysum.toLocaleString(\"en-GB\", { style: \"currency\", currency: \"GBP\", minimumFractionDigits: 2 });\n    var totalSumFormatted = totalsum.toLocaleString(\"en-GB\", { style: \"currency\", currency: \"GBP\", minimumFractionDigits: 2 });\n\n    var resultmessage = document.getElementById(\"resultmessage\");\n    resultmessage.innerHTML = '<div class=\"results no-padding-top\" id=\"results\"><article class=\"luna-card luna-card--alt no-margin-bottom\"><div class=\"luna-card__block text-center\"><h4>Based on these inputs, your loan would cost around <span class=\"fin-text-blue\">' + monthlySumFormatted + ' each month and <span class=\"fin-text-blue\"> ' + totalSumFormatted + ' overall.';\n\n    document.getElementById(\"clcdsclmr\").classList.remove('is-hidden');\n\n    if (onld == 0) {\n        resultmessage.scrollIntoView({ behavior: 'smooth' });\n    }\n}\n\n\n\n\n\n<\/script>\n<h3>Capify loan options<\/h3><p>Capify provides two types of business finance:<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Loan type<\/th><th scope=\"col\">Borrow<\/th><th scope=\"col\">Repayments<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td data-title=\"Loan type\">Business loan<\/td><td data-title=\"Borrow\">\u00a35,000 to \u00a3750,000<\/td><td data-title=\"Repayments\">Daily or weekly<\/td><\/tr><tr><td data-title=\"Loan type\">Merchant Cash Advance<\/td><td data-title=\"Borrow\">\u00a35,000 to \u00a3500,000<\/td><td data-title=\"Repayments\">As a percentage of card transactions<\/td><\/tr><\/tbody><\/table><h3>Key features of Capify business loan at a glance<\/h3><ul class=\"list-10 has-margin-bottom\"><li><strong>Borrow \u00a35,000 to \u00a3750,000.<\/strong> Borrow up to 75% of your annual turnover.<\/li><li><strong>Repay daily or weekly.<\/strong> Pay back your loan little and often, rather than in larger monthly instalments.<\/li><li><strong>Repay over 6 to 18 months.<\/strong> Choose a repayment term that suits your business.<\/li><li><strong>Dedicated account manager.<\/strong> Talk through your individual circumstances at every stage of your application, and after you get the money, with just one person.<\/li><li><strong>Automated repayments.<\/strong> Capify takes repayments automatically from your business bank account on your chosen dates.<\/li><li><strong>Fees.<\/strong> 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.<\/li><\/ul><h4>Am I eligible for an Capify business loan?<\/h4><p>You should only apply for a Capify business loan if you\u2019re certain you can meet the repayment terms. You must also:<\/p><ul class=\"list-1 has-margin-bottom\"><li>Be a limited company based in the UK.<\/li><li>Have trading accounts for at least twelve months.<\/li><li>Process more than \u00a310,000 per month through your business bank account.<\/li><\/ul><p>Interest rates are fixed for the duration of your repayment period. However, the rate you\u2019re 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 \u201cRepresentative APR\u201d.<\/p><h3>Capify customer reviews<\/h3><p>Capify has received positive reviews from customers according to review platform Trustpilot, where it currently has a \u201cgreat\u201d rating of 4.4 out of 5, based on over 520 reviews (updated October 2024).<\/p><p>Over 80% of customers on Trustpilot gave Capify an \u201cexcellent\u201d review, with people highlighting their customer service, quick turnarounds and application process. Some reviews also questioned the fees that Capify charges.<\/p><h3>How can I apply?<\/h3><ol><li>Simply visit the Capify website, click on \u201cGet a Quote\u201d and fill out some basic details about yourself and your business.<\/li><li>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.<\/li><li>Once you have been approved for a loan, you should have the funds in your account within a few days.<\/li><\/ol>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Which loan option should I choose?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">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.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How quickly will I get the money?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Once your loan has been approved, you can expect the money in your bank account within a few days.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How do I repay the money?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">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.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Will I pay additional fees?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">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.<\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Capify specialises in business loans of up to \u00a3500,000 for SMEs, that can be repaid in daily or weekly instalments.<\/p>\n","protected":false},"author":195,"featured_media":196727,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2866],"tags":[],"asset_tag":[],"class_list":["post-196703","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Capify business loans review for May 2026 | Finder UK<\/title>\n<meta name=\"description\" content=\"Borrow up to \u00a3500,000 with business finance from Capify and pay back daily or weekly. 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