Direct Broker Line: 0161 393 9566

Broaden your offering as a Broker partner

Help your clients with flexible finance solutions and earn generous commissions. 

As part of our Broker Programme, you’ll get:

What you need to know

Capify is a member of The National Association of Commercial Finance Brokers (NACFB).
UK’s largest independent trade body for commercial finance brokers.


Working with us

Capify's Broker Flow

If you’d like to start introducing leads to Capify, then you probably want to know how our funding process works. We’re proud to offer a service that is quick and seamless

1. Lead Submitted

Here’s the information you’ll need to provide in order for us to get a quote for your client.

Document Requirements

  • Identification
  • Bank statements
  • Contact email and telephone number

Business Loan Requirements

  • Must be a limited company.
  • Minimum of 6 months trading history.
  • Must turnover £10,000 per month (£120,000 per annum).

Merchant Cash Advance Requirements

  • Must be a sole trader or partnership.
  • Minimum of 6 months trading history.
  • Must turnover £20,000 per month (£240,000 per annum).

After the above information has been submitted into our CRM, our Broker Team will contact you and confirm if the customer qualifies. If they do, we’ll also provide you with an initial quote. This quote will include information about how much the customer can raise, and how long the repayment term will be. Our Broker Team will update the CRM to reflect the information given

2. Open Banking, Bank Statements and Business Ownership

Your client will be required to use open banking to submit their finances to Capify of provide 6 months worth of bank statements. They’ll also need to provide details of each Director and all major shareholders.
We’ll need to identify if your client has any funding from other lenders.

3. Credit App is Submitted & Decision Made

Once Capify’s Credit Team has all the information required, they’ll either approve or decline the deal. Occasionally, the Credit Team will need further information before they come to a decision. If additional information is required, the Broker Team will contact you to obtain it, or will be happy to assist you with getting this.

4. Documents Sent to Approved Customer

If the customer is approved, we’ll send out some documentation which will need to be signed, witnessed and returned. They’ll then be checked over by Capify’s compliance team.

5. The Customer will be Funded

The funds will be sent to your clients bank account, minus Capify’s fees. This is typically completed within 24hours.

6. Your Commission

You will receive your commission 10 working days after the deal has been funded.


You’ll be able to access reports via our online Partner Portal.

Meet the team

Rosie Tanner

Broker Manager

I have been working within financial services for the past 6 years and spent 4 years prior to this at BMW.

Get comfortable out of your comfort zone. I’ve grown through different types of roles at lending businesses, and I believe there’s always opportunity there if you are determined enough.

It has to be working with our wonderful brokers, even if it’s jumping on the phone for a catch up – I love feeling like I’m making a difference, especially in the current climate.

I’m secretly a major sustainable fashion geek. I love seeing how the major designer’s attitude are starting to change towards sustainability. I even have my own small homemade clothing brand.

I’m a family girl at heart. Nothing beats chucking on a pair of wellies and taking the dogs for a walk in the countryside (and stopping at a pub on the way home!)

Most definitely Instagram!

I was brought up surrounded by Manchester United fans (which has continued now the office is full of them too) – I’d be in trouble if I answered this with any other team.

Favourite actor and film has to be Leo Dicaprio & Wolf Of Wall Street.

Christopher Carey


My last job in South Africa was for a company called SA Home Loans, where we offered a non-bank mortgage product, I worked there for 8 years. I have been with Capify for just under 2 years, so collectively I have just under 10 years finance experience.


Persistence beats resistance. I have recently learned the value of this and can see the benefits of being front of mind, especially in this competitive industry


No two applications are ever the same, so this role is a constant learning experience. I would have to say that being able to provide Capital to a business in need is very rewarding.

I am a bit of a bush baby (being South African), I love a good Safari and spending time in the wild.

Spending time with my 2 boys playing outside


I enjoy the English Premier League and support Liverpool FC

Movie:     Braveheart

Actor :     Keanu Reeves

Capify’s preferred sectors

Capify supports businesses from an array of different sectors.
However, over the years, we’ve found that businesses in the below categories are most likely to be approved and funded.

  • Beverages
  • Food
  • Textiles
  • Wood / Paper / Metal
  • Electrical equipment
  • Machinery
  • Furniture Must be a limited company.
  • E-commerce sites
  • SaaS
  • Digital Subscriptions
  • Food shops
  • Convenience stores
  • Hardware stores
  • Bike shops
  • Chemists
  • Accounting, bookkeeping and auditing activities including tax consultancy
  • Public relation and communication activities
  • Research and experimental development on biotechnology
  • Other research and experimental development on natural sciences and engineering
  • Advertising agencies
  • Media representation
  • Market research and public opinion polling
  • Veterinary activities
  • General cleaning of buildings
  • Other building and industrial cleaning activities
  • Landscape service activities
  • Property management
  • Hospital activities
  • Dental practices
  • General medical practice activities
  • Specialist medical practice activities
  • Residential nursing care activities
  • Residential care activities for mental retardation, mental health and substance abuse
  • Residential care activities for the elderly and disabled
  • Timber and building materials
  • Furniture, household goods, hardware and ironmongery
  • Textiles, clothing, fur, footwear and leather goods
  • Food beverages
  • Flowers and plants
  • Fruit and vegetables
  • Meat and meat products
  • Dairy products, eggs, and edible oils and fats
  • Sugar and chocolate and sugar confectionary
  • Coffee, tea, cocoa and spices
  • Computers, computer peripheral equipment and software
  • Electronic and telecommunications and parts
  • Machine tools
  • Wood, construction materials and sanitary equipment
  • Hardware, plumbing, heating equipment and supplies
  • Growing of cereals / vegetables / fruits / trees / leguminous crops and oil seeds / melons / roots / tubers
  • Plant propagation
  • Silviculture and forestry activities
  • Logging
  • Support services for forestry
  • Maintenance and repair of motor vehicles
  • Independent garages
  • Freight transport by road
  • Removal services
  • Warehousing and storage
  • Repair of footwear and leather goods / furniture and home furnishings / watches / clocks and jewellery / personal and household goods
  • Washing (and drying) of textile and fur products
  • Funeral and related activities

Capify’s prohibited industries

Unfortunately, there’s some industries that Capify will not be able to fund. You can find them listed below.

  • Adult Entertainment
  • Betting / Gambling
  • Business investment
  • Cheque cashing
  • Collection agencies
  • Credit repair / Credit risk
  • Debt consolidation
  • Drug Paraphernalia
  • Firearms dealers / Gun shops
  • Free trials
  • Grants / Grant funding
  • Insurance
  • Ticket brokers
  • Mortgage / Pension Modification
  • Medical marijuana
  • Modelling agencies
  • Non-profits
  • Pawn shops
  • Payday loans
  • Prepaid mobile cards only
  • PPI claims
  • Seminars – If formal training, e.g., Health and safety, Education that we consider on normal terms. Seminars defined as ‘get rich quick’ scheme / ‘self help’.
  • Subscriptions
  • Travel agencies

New business guidelines

Information Requirements:
Deal Size:

£0 - £124,999

Initial Assessment
  • Open Banking Link     
  • 6 months Bank Statements*
    (or 12 months for Seasonal Businesses/Over £50,000 offers)
Final Assessment
  • Limited Company Name
  • Credit Assessment on Majority Shareholders
  • AML Checks on any Beneficial Owners
Deal Size:

£125,000 +

Initial Assessment
  • Open Banking Link
    12 Months Bank Statements*
Final Assessment
  • As above, plus the following:
  • HMRC Summary – Last 12 months
  • Business Accounts (Last Filed Accounts + Management Accounts)
  • Up to Date Balance Sheet
  • Landlord Reference may be required, subject to business type

*If a customer does not want to provide an Open Banking Link, we will accept 6 or 12 Months Bank Statements, but this will delay a response by up to 4 working hours

Please Note: On Final Assessment we may require additional information for any specific customer case. We will advise of our requirements following review of information presented

We want to say yes, even when other lenders won’t!

Capify Flex

We are dedicated to providing financing solutions to businesses that may have difficulty obtaining funding elsewhere. Our specialised loan has been designed to meet the needs of businesses that have faced challenges such as CCJ’s or previous insolvencies.

Having been in business for over 15 years we understand that adverse credit, previous liquidations, and outstanding CCJ’s can be obstacles for many businesses, but we are here to help.

We consider all businesses, regardless of their credit history, and provide them with the funding they need to succeed.

  • Court Judgements – We’ll accept businesses who have up to 3 unsatisfied or satisfied CCJ’s with a maximum value of £10,000 in the last 3 years. We will occasionally look at those who’ve had more, or of a higher value depending on the situation or business. We may also require proof that they’re being settled. 

  • Bankruptcy – Previous Bankruptcy or similar considered

  • Credit – All credit positions considered but the business must have a credit profile

  • Insolvencies – Previous Business Insolvencies considered on other companies where there is common ownership / directors

  • Trading – Min 6 months trading 

  • Turnover – Min turnover £10k per month (this will get a £5k offer)

  • Loan Amount – £5,000 – £75,000

Our Latest Business Highlights

0 %
increase in number of funded deals
0 %
of approvals were provided with an unsecured offer
hours fastest submission to approval
0 %
increase on average offer size

Capify's broker buy rates scheme

How it works

With our Broker Buy Rate Scheme, you have the ability to choose your earnings!

If you sell at a higher rate, you could earn up to 8% commission. Alternatively, you can offer your clients a lower and more competitive rate and take slightly less for yourself. We want to give you the opportunity to control the price because you understand your clients better than anyone. This new scheme can be used on our and products and is available across all credit grades.


We’ve created a simple calculator, in which you can input data to find out how different rates will affect the amount of commission you receive.


You have a client who is looking for funding of £40,000. Upon receiving the offer and approval from Capify, the following information will be confirmed;

The Credit Grade

The Term

The Buy Rate

The below side by side comparisons show the difference between the broker choosing to take 5% commission vs 8% commission.