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Introducing Alternative Business Finance

Raising finance is something that many small and medium-sized businesses need to do in order to succeed and expand further. Most business owners turn to traditional funding options because it’s what they feel most comfortable with, however, alternative finance is often a better solution.


Traditional Methods 

Bank loans can be inflexible with very strict qualifying criteria. Despite many small businesses being fully able to meet all of the repayments, it is sometimes the case that the bank will turn the business down because they don’t have enough credit history as oppose to a poor credit rating. Many people understandably feel disappointed when they get told they don’t qualify, which is why Alternative Business Finance was created, to give business owners another, more accessible option.


What Types of Alternative Business Finance Exist? 

There’s lots of different Alternative Business Finance options available, and depending on the amount of money you want and the business that you own, there should be at least one that fits your needs perfectly. The Merchant Cash Advance, Small Business Loan, Invoice Factoring, and Crowdfunding are all innovative types of alternative finance where business owners can raise the money they want and need.


What are the Benefits of Alternative Business Finance? 

Many business owners require funds to either cover an unexpected cost, such as if a restaurant’s main oven was to break, or, to carry out any exciting business plans. Whatever you need to raise money for, Alternative Business Finance is probably the easiest way to do it. Unlike the banks, the application process is a lot less complicated and drawn out, meaning you don’t have to find the time to fill in piles of paperwork. Providers, like Capify, also have a much higher acceptance rate. Once you are approved, the money could be in your account in a matter of days, meaning you can start growing your business immediately.

Raise £3,500 – £500,000 with Capify

Capify offers two innovative business finance products, The Merchant Cash Advance and the Business Loan. 

The Merchant Cash Advance 

If you accept credit and debit card payments from your customers then the Merchant Cash Advance could be the perfect way to raise business finance. The product is extremely flexible and works in line with your card sales. This means that you never have to struggle to pay back more than you can afford. 

Capify will take a very small pre-agreed percentage of your card payments every working day until the advance is paid back. Therefore, if you have a slow day you repay less and on a busy day you repay slightly more.

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The Business Loan

The Business Loan is different to others on the market because rather than paying back the money monthly, owners pay back a very small amount every day. Many people love this method because they don’t have to worry about saving for a fixed date. If you own a Limited Company, this could be the perfect business finance solution for you.  

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