A cash injection to help you push your business forward

Get a quick decision online with no effect on your credit file when you apply for a business loan from Capify.

The Capify business loan is designed to provide much-needed working capital to small business owners for almost any business purpose. We’ve helped thousands of small businesses across the United Kingdom fulfil their business ambitions.

Loans are available from between £5,000 and £500,000. So whether you’re looking for finance to purchase stock, renovate your premises, raise cashflow or to purchase new equipment, a Capify business loan could be right for you.

Instantly check if your business qualifies

With no impact on your personal or business credit rating when checking your eligibility.

To qualify for a Capify business loan, you must:

  • Have a trading history of 12 months+
  • Have a monthly turnover of £10,000+

Fast, straight-forward funding to grow and manage your business


Improve cash flow

Pay your taxes, bills or suppliers with ease regardless of seasonality or unpaid invoices.

Scale for growth

Hire more staff, invest in marketing or open a new store! Whatever your goals, we can help you reach them.

Business loans to upgrade equipment

Upgrade your business

Improve your equipment, train your team - invest in your business and improve efficiency!

Loans to purchase equipment

Purchase stock or materials

Buy stock, materials or new equipment urgently needed to get your projects completed on time.

Business loans to finance next project

Finance your next project

Get your working capital, staffing, materials and insurances all in check for your next project.

Four simple steps to get funded in 24 hours

We specialise in providing loans and alternative finance for small businesses and we always aim to make the application process as easy and stress-free as possible.

Check Your Eligibility

Use our free online eligibility checker and get conditionally approved for funding

It Takes Just 2 Minutes

And there's no impact on your credit score
Get Started

Speak to Our Experts

Tell us more about your business so we can provide you with your funding offer

Or Apply Online

Using our easy-to-use online application

Complete Your Application

Through our simple online portal to get verified for funding

This takes around 10 minutes

There's no lengthy forms and no business plans to submit

Receive Your Funding

In as little as 24 hours

Looking to renew?

You can choose to easily renew your funding once your repayments are 60% completed

With No Commitment and No Obligation

What is an unsecured business loan?

Unsecured business loans are a type of funding that doesn’t require the business to put up any personally owned and business-owned assets up as collateral. This differs from secured business loans, which require the finance to be backed by an asset of some type. Because no assets are secured against an unsecured loan, it’s a requirement in the majority of cases that the person taking out the loan – the borrower – has an excellent credit rating. This positive credit rating should be in addition to a full, excellent financial history and a well-researched and planned forecast for cash flow. This helps the lender to identify the risk of lending to the business, as well as checking if the required payment would be possible and sustainable for the business.

What are unsecured business loans for?

Businesses choose to take out unsecured business loans for a range of different business-based reasons. These range from immediate needs to long-term plans, but some of the most common things unsecured business loans can be used for are the following:

  • Helping with cash flow
  • New equipment, renting new spaces and overallexpansion plans
  • Hiring new staff
  • Paying off existing debts and owed money to contractors, suppliers or other partners

Who are unsecured business loans for?

Unsecured loans, especially business loans, are suitable for any type of business. They are especially useful for companies that have few tangible assets or have little of value to provide as security for a loan. These types of businesses are more and more common, with many digital companies, in particular, having few assets to place against a loan.

Small business owner NSW capify

Check your eligibility in minutes

Are you ready to take your business to the next level?

Why Capify?

For more than ten years, we have helped thousands of SMEs access the funding they need to grow and prosper.


Many had previously been turned down by a traditional lender or asked to submit extensive applications before they would even be considered.


We provide a fast, straight-forward alternative to traditional lenders. We look at different lending criteria and will consider all credit profiles, with every loan application decided by a human, not an algorithm.


Check your eligibility today and let our team of experts help you access the funding your need.

Capify is a trademark licensed to United Kapital Limited (company registration number 06575165) and Capiota Limited (company registration number 08080805), each registered in England and Wales with offices Station House, Stamford New Road, Altrincham, Cheshire WA14 1EP.