Structured
Funding For
UK Businesses
When your business needs £150,000 to £1,000,000+ for growth, acquisition, or expansion we arrange funding through a structured consultation process built for your needs
Start Funding Enquiry
We secured £320,000 to expand our production facility. They moved faster than any lender we've worked with.
- Senior Funding Specialists
- Built Around Your Business
- Access To Larger Funding
Senior Funding Specialists
Built Around Your Business
Access To Larger Funding
Funding at a level that matches established businesses
At higher funding levels, decisions depend on a clear understanding of the business, its structure, and its growth plans. This type of funding is typically suited to mature UK companies with an established trading history and annual turnover of around £1.6m or more.
A dedicated senior finance specialist
Your business relationship will be matched to a senior funding specialist who understands complex requirements and long term planning.
Bespoke Business Funding Solutions
We do not reply on generic lending models. As long as your business meets our basic eligibilty, we may be able to provide higher funding amounts than traditional lenders.
Direct Access to Higher Value Lending
As a direct lender our higher value facilities range from £150,000 to £1,000,000. Our senior team will support you through the entire process.
How it works
Our Consultative Partnership Process
All enquiries are 100% confidential and handled by a senior specialist.
Initial consultation
Submit basic details to assess your business suitability online.
Structuring your solution
Work with your assigned senior funding consultant to complete the full business case application.
Partnership & Funding
Our approval process is streamlined to allow approval and funding in days rather than weeks or months.
Partnership & Growth
Your consultant will regularly review your funding needs to ensure that our partnership delivers the ongoing support you business needs.
Strategic capital for your next chapter
High - value funding for UK Limited Companies
As long as basic criteria are met, we are often able to provide substantial funding across a wide range of business requirements. Our approach allows us to consider established UK Limited companies using capital for varied commercial purposes, without restricting funding to narrow or predefined use cases.
We regularly provide funding between £150,000 and £1,000,000 to established UK Limited companies, including those with complex or non-standard credit histories, with decisions handled promptly and without complex approvals.
Management Buy - Outs (MBOs) & Buy - Ins (MBIs)
Funding to support ownership changes without disrupting the business. We work closely with management to structure funding around the transaction and move it forward efficiently.
Funding A Strategic Business Acquisition
Capital to support the acquisition of another business or strategic asset. We structure funding around the deal and work to keep momentum through to completion.
Major Asset Or Property Purchase
Funding for the purchase of high-value business assets or commercial property. We focus on the asset, the business performance, and the funding requirement to progress matters without unnecessary delay.
Significant Infrastructure Or Technology Investment
Capital to support large-scale investment in systems, equipment, or operational capability. We take a practical view of the investment and structure funding to support delivery. Once scope and costs are agreed, progression is kept straightforward.
Complex Debt Restructuring Or Refinancing
Funding to simplify existing debt arrangements or improve overall funding position. We focus on reaching a workable structure quickly, rather than prolonging the process. Each case is handled directly, with clear next steps throughout.
Funding A Major Expansion
Capital to support expansion into new locations, markets, or capacity. We structure funding around your growth plans and work to keep the process moving as plans are finalised. Senior involvement ensures decisions are not slowed unnecessarily.
Securing Your Supply Chain
Funding to support supplier commitments, inventory, or continuity of supply. We structure funding to protect operational stability and progress decisions efficiently. Where requirements are clear, funding can be put in place quickly.
Case Studies
Investing in Talent: Bridging a Payroll Gap for a Digital Agency
Overview
Our client is a well-established digital agency in West London specialising in bespoke websites and apps, where people represent the core asset and largest monthly cost. The agency was seeing increased demand while developing its own AI-powered CRM platform, which required hiring specialist PHP Backend Developers. While the revenue pipeline was strong, the business faced a timing gap: senior developers needed to be paid immediately through payroll, while returns from new client work and software development would only be realised several months later. The directors required working capital to manage this increase without draining operational cash reserves.
Why They Choose Capify
They returned to Capify rather than pursuing a traditional bank route, valuing a lender that understands service-led businesses and recognises that short-term payroll increases are often a planned investment in growth, not a cash flow issue.
The Solution
•Product: Unsecured Business Loan
•Amount: ~£150,000
•Use of funds: Payroll support and working capital
The Impact
The funding provided a safety net that allowed immediate recruitment and onboarding. By covering the initial payroll increase, the agency accelerated development of its platform and expanded client delivery capacity, converting upfront staffing costs into long-term recurring revenue.
How a £300k Injection Prepared a Supplier for the Christmas Rush
Overview
This client is a leading online retailer of commercial catering equipment based in Scotland, known for fast and reliable next-day delivery. To maintain this service, holding physical stock is essential. In early October, rising demand from the hospitality sector ahead of the festive period created a clear opportunity to increase inventory. To capitalise, the business needed to purchase significant stock immediately, though committing £300,000 of working capital at once would have placed pressure on day-to-day cash flow.
Why They Choose Capify
They approached Capify to secure a substantial funding facility without the delays and legal complexity of a traditional secured bank loan, prioritising speed and flexibility.
The Solution
•Product: Unsecured Business Loan
•Amount: £300,000
•Time to fund: Under 48 hours from approval
The Impact
The funding enabled the business to secure bulk-purchase discounts and stock its warehouse well ahead of the seasonal rush. By acting in October, they avoided Q4 stock shortages, maximised peak-season revenue, and preserved cash reserves for ongoing operational costs.
Frequently Asked Questions
How quickly can funding at this level be arranged?
Once initial information is reviewed, funding decisions are typically made within days rather than weeks. Where approved, funds can often be released quickly without the delays associated with traditional bank lending.
Is security required for funding over £150,000?
Not always. Many funding solutions at this level can be unsecured, depending on the business profile, financial position, and purpose of the funding. Security requirements are assessed on a case-by-case basis. Click here to check you eligibility.
What if I need to borrow a smaller amount than £150,000?
No problem at all, If your funding requirement is below £150,000 we have options from as little as £5000. Click here to check you eligibility.
Can I apply if my credit history isn’t perfect?
Of Course! As long as your company has been trading fro ovver 12 months as an LTd 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.
Speak To A Senior
Funding Specialist
No impact on your credit score.
No long forms.
Decision in hours.
Start Your £150k-£500k Funding Application
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.