Capify

Business Details

18 Years

experience

Trusted Business Funding Solutions in the UK

Capify was established in 2008 to address the funding challenges faced by UK businesses during the financial crisis. With over 15 years of experience and 1.2 billion funded, we specialise in providing fast, flexible financing solutions tailored to the unique needs of small and medium enterprises. Our team of dedicated professionals prioritises empathy, integrity, and personalised support, offering unsecured and secured loans as well as merchant cash advances.

We operate with transparency, offering fixed repayments and no hidden fees, while maintaining a customer-centric approach that has earned us a 75% customer renewal rate. Our global expertise, combined with local market knowledge, positions us as a trusted partner for businesses seeking growth opportunities across the UK and Australia.

Services

Unsecured Business Loans Secured Business Loans Merchant Cash Advance Same Day Funding Flexible Repayments

Details

Year established: 2008

Highlights and features

Fast funding available within 24 hours
Personalised support from UK account managers
No hidden fees or unexpected charges
Flexible repayment options tailored to business needs
Over 15 years of experience funding UK businesses

What people say

Hassle-free service Same-day funding Quick and painless process Excellent customer service Stress-free application

Website

Update Listing

Services

Unsecured Business Loan

Our unsecured business loans provide fast funding without requiring collateral. Perfect for managing cash flow, covering expenses, or seizing opportunities, these loans offer same-day funding with no hidden fees. Businesses can access amounts from 5,000 to 1,000,000 with flexible repayment terms tailored to individual needs. The application process takes just minutes with no impact on credit scores during eligibility checks.

Secured Business Loan

Secured business loans use property as collateral to access larger funding amounts. Available from 75,000 to 3,000,000 with repayment terms up to 48 hours, these loans suit businesses needing significant investment for expansion or major purchases. The application process considers all credit profiles, with decisions made by experienced professionals rather than automated systems. Repayments are structured as fixed regular payments to maintain cash flow stability.

Merchant Cash Advance

Merchant cash advances provide flexible funding against future credit card sales. Available from 5,000 to 3,000,000, repayments adjust automatically based on daily sales volumes. This solution suits businesses with consistent card transactions, offering quick approvals and same-day funding. No collateral required, with eligibility based on monthly card turnover of at least 20,000 and 12 months of trading history.

Questions

What business funding options does Capify offer?

We offer unsecured business loans, secured business loans, and merchant cash advances ranging from £5,000 to £3,000,000 with flexible repayment terms.

How quickly can I get funded?

Unsecured loans can be funded in 24 hours, secured loans within 48 hours, and merchant cash advances typically processed within 24 hours of approval.

What are the eligibility criteria?

For loans: 12+ months trading history and £10,000+ monthly turnover. For merchant cash advances: 12+ months trading and £20,000+ monthly card sales.

Do you perform credit checks?

We conduct soft credit checks that don't affect scores during eligibility checks. Final approval considers overall business health rather than relying solely on credit history.

How do repayments work?

Unsecured/Secured loans use fixed regular payments. Merchant cash advances take a percentage of daily card sales, adjusting with business performance.

Are there any hidden fees?

No hidden fees. All charges are transparently disclosed upfront, including any applicable origination or processing fees for secured loan applications.

Reviews (7)

Write a Review

Shahid Abbasi

Nov 27, 2021 Report

They will give you rosy picture in the beginning only to get all your personal details, but then will stay disconnected indefinitely until you call them. They are more difficult to get help from than your normal banker, and much more expensive too... Would never recommend...

Uju Ndubuisi

Oct 28, 2021 Report

Very misleading information and advertisement on websites and YouTube videos.
Unfortunately, not designed to help small businesses. Specifically for big companies. The covid-19 breakdown had destroy or kept a lot of Small businesses struggling. I think that Business Financial Companies like Capify should help those type of businesses. Just like mine. So sad!

Iman Dilshad

Dec 17, 2019 Report

Whats a joke to much time waste they call me and offer me 20.000 and ask me to send all the Business. Documents and i waste half my day visit to bank and do all bank statements and cards statements for last 12 month copy of driver License after dealing with all this Mr Adam Lewis was like yes i have had received all your documents we call you back within 5minute so i has call back then he was like aw im so sorry we cant offer you any loan at the moments why are you wasting people time who run them business offer them money next day say them aw sorry please be aware Its not east to

Lloyd Williams

Nov 07, 2019 Report

Great experience from start to finish. We explained what we needed and options were given really quickly. There contact was constant and our contact Andy was so personable. our outcome was achieved so easily and glided through with Andy's help and can't believe how smooth it was. Would certainly recommend through our experience and will certainly use again in the future.

Rachael Sanderson

Aug 19, 2019 Report

Useless service, very angry. Scammers! I contacted them for small business loan, were all lovely at first, then didn't contact me, I sent the relevant information, then they asked for 12 months records which luckily checked reviews and haven't sent anything else, then said needed to see a months income on the card machine the sister company United merchant services had provided. I had gone with this card company under the premise of recieving a loan, and being assured that they provided next day funding bank service. Today I have been told that they won't do this service for 3 to 6 months! This

Matthew Sharp

Aug 04, 2019 Report

Patrick was really helpful whilst dealing with Capify. He was efficient, kept me informed all of the time and nothing was too much hassle. Would thoroughly recommend the company mainly because of Patrick and his customer service. Even going back to order more card machines he couldnt be more helpful and honest.

Dapo Oke

Aug 02, 2019 Report

Always very professional throughout the application period, 3rd time we will use them because of their excellent customer care, service and competitive rates. Very fast turn-around of the application process to get funding within shortest possible time. Lewis a great communicator, always on the phone, and email to you, updating you with progress at every stage of the application and removing barriers in the way. Thanks Lewis for the record turn-around of the application of this 3rd cash advance, great job you did!