No hidden fees
UK account manager
Real people, real conversations
Capify has supported thousands of UK SMEs since 2008. We know you need a straight answer while it can still make a difference.
Pay your taxes, bills or suppliers when cash flow is squeezed by seasonal dips or late payments
Hire more staff, invest in marketing, or open a new location. When the plan is there, funding shouldn't be what stops it.
Old kit costs money. Spend on equipment or technology to improve the way you work.
Get the materials or stock you need to keep shelves full and projects completed on time.
Two ways to borrow, depending on your needs. Here’s how each one works.
£10,000 to £3,000,000 for the decisions your business needs to make.
Same-day unsecured funding or secured loans within 48 hours.
Find out where you stand without affecting your credit score.
See what you could borrow, what it'll cost and how you'd repay it.
Different businesses need different types of funding. We'll help you understand your options.
Once approved, the money is quickly in your account
We’ve provided loans for more than 20,000 businesses and understand that the numbers don’t tell the whole story. We get to know you and your business and work out what funding makes sense. People make decisions, not computers.
A straightforward process that's quick to complete.
Fast access to your funds, and you can top up if your needs grow.
Repay on your terms, with no penalties for settling early.
Work with a real person who understands your situation
Choose to borrow from us, and you’ll have the support of a dedicated Account Manager who understands that opportunities die when funding decisions take too long.
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We started Capify during the financial crisis, when the banks pulled back and businesses still had bills to pay. Since then, we’ve funded more than £1.2 billion across the UK and Australia, through recession, Brexit and a pandemic. Whatever’s in your accounts, we’ve probably seen it before.
Just let us know your details and we’ll give you a call right away
Call us or apply online. A Funding Specialist will guide you through every step.
Opening Hours: Monday - Friday: 09:00 to 17:30
Yes, limited companies are eligible for Capify business loans. In fact, the majority of our customers are limited companies. We provide both secured and unsecured loans within the £10,000 to £3,000,000 range with flexible repayment terms from 3 to 12 months, specifically designed for SMEs.
The timeline from application to funding is typically 24-48 hours at Capify. Once you submit your enquiry and meet our eligibility criteria, we conduct a credit assessment. If approved, funds can reach your account within 24 hours. The exact timing depends on how quickly you provide required documentation (bank statements, ID, proof of business).
Capify requires a minimum monthly turnover of £10,000 to qualify for a small business loan. This requirement helps us ensure that your business has sufficient cash flow to manage the daily repayments comfortably without impacting your operations.
Yes, Capify considers applications from business owners with adverse credit. Unlike traditional banks, we look at the bigger picture including your business’s trading history, monthly turnover, and cash flow. While credit is a factor in our assessment, it’s not the only factor, making us more accessible than high-street banks.
Yes, Capify offers unsecured loans, meaning you don’t need to provide collateral such as property. The only requirement is a personal guarantee from the majority owner of the business. This makes our loans accessible to businesses that don’t have assets to secure against.
At Capify, we make business funding accessible with our streamlined application process. While we assess all applications individually, unsecured business loans are often easier to obtain than traditional bank loans because we focus on your business’s cash flow and trading history rather than just credit scores. Our flexible criteria include trading for at least 12 months and £10,000+ monthly turnover, and we can approve applications within hours.
Browse and compare every loan product we offer
Flexible funding from £1,000 to £500,000
No assets required as collateral
Lower rates when backed by business assets
Options available even with a poor credit history
Funds deposited within 24 hours of approval
Repay in 3–12 months with manageable terms
Keep day-to-day operations running smoothly
Bridge gaps between invoicing and payments
Pay suppliers on time and protect relationships
Spread the cost of your VAT bill over monthly payments
Combine multiple debts into one manageable repayment
Replace existing finance with better terms
Fund equipment, vehicles and machinery purchases
Short-term property finance while you arrange long-term funding
Purchase or refinance commercial property
Side-by-side comparison of every finance option
Understand what we look for before you apply
Estimate your monthly repayments instantly
Our simple application process explained
Comprehensive guides covering every type of business finance available in the UK.
Practical tips and strategies to manage and improve your business cash flow.
Estimate monthly repayments and total costs for different loan amounts and terms.
Answers to the most common questions about business finance and eligibility.
Tailored funding solutions for high-street and online retailers.
Finance options designed for bulk purchasing and distribution businesses.
Funding for pubs, restaurants, hotels, and leisure operators.
Project-based and asset finance for construction and trades firms.
Equipment finance and working capital for UK manufacturers.
Specialist finance for care homes, GP surgeries, and health sector operators.
Quarterly reports tracking SME sentiment, lending trends, and economic outlook.
Actionable insights and case studies to help your business grow faster.
Latest news, expert opinions, and practical advice for UK business owners.
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Friday: 9.00am – 5.30pm
