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Unsecured Business Lending

Traditionally, when the owners of small and medium businesses need to lend money, they turn to the banks. However, applying for a loan from the bank can be tough. Since the recession, lending criteria has become much stricter and many business owners struggle to get their application approved. This has left SME owners unable to access the vital finds needed to grow and succeed further.

Bank Loans Can be Inflexible  

Another issue with these borrowing methods is that they tend to carry inflexible repayment terms. The loans usually need to be paid back monthly, which can be difficult for business owners as it damages their cash flow. It can also be hard to save for a large sum, especially during times when the business is naturally quieter.

The Growth of Alternative Business Finance 

When the banks began tightening up their criteria, confidence in business lending was lowered and many owners became deterred from trying to get a loan because they worried that it would either affect their credit history or waste their time.

Luckily alternative business finance was created, which provides business owners with a much more accessible way to lend money. Year on year it is becoming a more popular and sought after option for business owners.

Choose Finance with Capify

Capify is one of the leading providers of alternative business finance, and we strive to help business owners from a variety of industries access the funds they need to grow and thrive.

To acquire funds from Capify, you don’t have to fill out lots of paperwork, wait months for a reply or present a business case – it is designed for use as a fast, short term option to improve your business. You can even access further funds to support your continued growth if necessary. A large percentage of our customers choose to do this and come back to us time and time again when they have exciting plans.

We know that it’s important for businesses to be able to access funds quickly and easily, so we try and make the whole process simple and fast. Our two main products are the Merchant Cash Advance and Alternative Business Loan.

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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