Capify UK

Capify UK: agile funding for British SMEs

Capify is a UK-based business lending company that has been operating since 2008. According to its own presentation, it was born during the financial crisis, when banks scaled back their activity and businesses still needed liquidity. Since then, it claims to have funded over £1.2 billion across the UK and Australia, and to have served more than 20,000 businesses. The company describes itself as a direct lender, with decisions made by people and not by algorithms, and assigns an account manager to each client.

Finance products

The lender's catalogue covers various types of business loans, with amounts ranging from £10,000 to £3,000,000 and flexible terms of 3 to 12 months on several of its lines.

• Small business loans: flexible funding from £10,000 to £3,000,000, with terms of up to five years.
• Unsecured loans: no assets required as collateral; only the personal guarantee of the majority owner.
• Secured loans: backed by business assets, with lower interest rates.
• Loans for businesses with bad credit: options available even with an adverse credit history.
• Fast or same-day loans: funds deposited within 24 hours of approval.
• Short-term loans: repayment in 3 to 12 months with manageable terms.

Liquidity and payment management

The lender offers products aimed at sustaining the company's day-to-day operations and covering cash flow gaps:

• Working capital loans: to keep daily operations running and maintain healthy cash flow.
• Cash flow loans: bridging the gap between invoicing and payments.
• Supplier invoice payments: to pay on time and protect business relationships.
• VAT finance: spreading the cost of the quarterly VAT bill over monthly payments.
• Debt consolidation: combining multiple debts into a single manageable repayment.
• Debt refinancing: replacing existing finance with better terms.

Specialist finance

For specific investment or property needs, Capify offers:

• Asset finance: to fund equipment, vehicles and machinery.
• Bridging loans: short-term property finance while long-term funding is arranged.
• Commercial mortgages: to purchase or refinance commercial premises.

How the process works

The company describes a simple application process and an eligibility check that, it says, does not affect the applicant's credit score. A response is obtained in minutes and, once the transaction is approved, funds can be transferred within 24 hours. Unsecured loans are disbursed the same day, while secured loans are funded within 24 to 48 hours. The lender states that it does not charge early repayment fees and that the client can increase funding if their needs grow.

To qualify for a loan, the business must meet three requirements: have been trading for more than 12 months, have a monthly turnover of at least £10,000 and be registered in the UK. The assessment takes into account trading history, monthly turnover and cash flow, as well as credit history, which according to the lender makes it more accessible than traditional banking. In the case of unsecured loans, a personal guarantee from the majority owner is required.

Client profile and sectors

Capify targets UK SMEs, including limited companies, which make up the majority of its clientele. The lender segments its offering by size: funding from £10,000 to £75,000 for small businesses; from £75,000 to £150,000 to take a growth step; and more than £150,000 for established companies with more complex accounts. It also publishes sector guides for retail, wholesale, hospitality, construction, manufacturing and care homes and the healthcare sector.

Resources and editorial activity

The company maintains a resource centre with guides on business finance, cash flow management, a loan calculator and FAQs. It publishes quarterly confidence reports on SME sentiment and lending trends, as well as a blog with news and practical advice. Among its featured campaigns is a guide on the summer of sport in 2026 and its potential impact on British businesses.