Why Capify Often Wins for UK SMEs
Get in touch to find out why many UK Businesses choose us for their funding needs.
Check If Your Business Qualifies
Checking your eligibility won’t affect your credit score.
- Get Funded Faster
- Greater Flexibility In Terms
- We Listen To Your Situation
What We Do Differently
We offer UK limited companies our relationship based funding solution. Unlike other providers who rely on automated scoring for decisions or require rigid data, we make decisions in house based on real business situations. All our decision are made by humans, based in the UK that review each case on its own merits.
Higher Approval Rates
Capify takes a flexible, case-by-case approach, often supporting businesses that may not meet the criteria of more rigid lenders and considering applications that don’t fit a standard lending formula. A temporary dip in revenue due to a refurbishment or seasonal slowdown won’t automatically result in a computer-generated rejection.
Smarter Cash Flow Management
Instead of large monthly repayments that can strain your cash flow, we offer smaller daily or weekly payments. These manageable amounts are often easier for retail, hospitality, and trade businesses to absorb, helping you stay in control of your finances.
Speed Backed by Experience
Operating in the UK since 2008 as one of the first alternative lenders, Capify combines deep market experience with strong funding capacity. This means we can assess and deliver even complex loans quickly and efficiently.
A Human Approach
With Capify, you’re never just a number. Every customer works with a dedicated account manager a real person you can call to discuss your loan, ask questions, or plan future funding. Our relationship-led service sets us apart from lenders that rely solely on automation.
What Makes Capify Stand Out
Not all business lenders work the same way.
Here’s how Capify compares to many alternative finance providers and traditional lenders.
Here’s how Capify compares to many alternative finance providers and traditional lenders.
Feature
Capify
Alternative Lenders
Traditional Lenders
Application Review
Reviewed by experienced
underwriters who look at your
whole business
Primarily automated decisioning using credit scoring models and set criteria.
Structured credit committees with strict underwriting policies and standardised risk frameworks.
Approach to Criteria
We consider your full
business story and context
Limited flexibility outside predefined credit models.
Low tolerance for irregular trading history or short-term performance issues.
Repayments
Daily or weekly repayments
that support your cash flow.
Typically fixed monthly
repayments, that can strain
your cashflow.
Fixed monthly repayments with set amortisation schedules.
Decision Speed
Same day credit decision and
funding within 24hrs
Rapid automated decisions where criteria are met.
Longer decision timelines due to layered approval processes.
Dedicated Support
You deal with a UK based
contact
Centralised support teams. Often digital-first communication.
Relationship managers may be available, typically for larger or long-established clients.
Early Repayment
You can repay early if needed
Varies by provider.
Often subject to break costs or structured exit terms.
Best Suited For
Designed for SMEs that don’t
fit typical bank requirements
Businesses that fit automated credit criteria and prefer a digital process.
Businesses with strong balance sheets and long-term banking relationships.
We keep our process simple
We are experts in setting up fast funding solutions for UK limited companies.
As long as you meet the initial basic criteria, trading over 12 months and a turnover of over £120k per year, then we can help you access from £5000-£1,000,000 with our straightforward service.
Apply online in a few minutes, receive a fast decision, and access funds in as little as 24 hours. There are no long forms or long processing times. Our business loans are designed for UK limited companies that need funding quickly, with a process that is easy to follow from start to finish.
Eligiblity Check in 2 minutes
With a few simple details we can quickly tell you online if you are likely to be eligible for funding
Get approved within 24 hours
Complete the appplication and agree the best terms for your business. Funds could be in your account same day.
Repay early for free
If your circumstances change you can clear the loan with no hidden fees. You may eligible for futher funding for your business.
How much can I borrow?
Small business funding typically ranges from: £5,000 – £1,000,000. Your business performance determines your exact offer. Use the Business Loan Calculator below to estimate how much you can borrow.
Business Loan Calculator
Get an estimate of how much you might be able to borrow
3 months
£ 10,000
Your estimate will appear here
Move the sliders to get your instant loan estimate
Check Your Eligibility
This calculator is for illustrative purposes only and is based on an example factor rate of 1.26. The factor rate offered to your business may vary based on your circumstances and loan terms. Processing and origination fees may apply. Repayments are collected by Direct Debit, meaning payments are taken on business days only.
We're here to help you grow
What Can You Use a Business Loan For?
Buying Equipment & Machinery
Purchase the tools, machinery, vehicles, or technology your business needs to operate or grow. A loan can help you spread the cost while keeping cash available for day-to-day expenses.
Cashflow
Cover everyday running costs, unexpected expenses or annual expenses, such as VAT or corporation tax bills, while waiting for invoices to be paid. This helps keep your business running smoothly without unnecessary stress.
Purchase Stock and Inventory
Get access to fast funding to ensure you have the stock and inventory to service existing clients or for unexpected big orders.
Frequently asked questions
Who is Capify best suited for?
Capify supports UK SMEs across sectors including retail, hospitality, construction, and trade. We’re particularly well suited to businesses that may not meet the rigid criteria of traditional banks but have a solid trading history and clear growth potential.
How quickly can I find out if I’m eligible?
You can check you eligibility in less than 2 minutes by clicking here. As long as your business is a UK limited company, with over £10k monthly turnover and trading for 12 months we should be able to help.
How fast can I receive the funds?
Our process is fast and straightforward. In many case we can have loans approved and funded in 24 hours.
Can I apply if my credit history isn’t perfect?
Of Course! As long as your company has been trading for over 12 months as a UK limited company and turns over £120k per year or more, then, regardless of credit profile we should be able to find you a solution for your needs.
Can I repay early?
Yes, there are no extra charges for early repayment.
Check Your Eligibility
In 2 Minutes
No impact on your credit score.
Quick application with minimal paperwork.
Decision in hours.
Check Funding Options
Capify is a trademark licensed to United Kapital Limited (company registration number 06575165), Capify Uk Limited (Company Number 10183728) registered in England and Wales with offices Hamilton House, 249 Church Street, Altrincham, WA14 4DR.