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Frequently Asked Questions

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To renew your loan with Capify all we need is your Bank Statements either manual or via a secured link, a lease agreement and 2 most recent rental invoices.

You will automatically qualify for a pre-approval amount of your last loan with Capify if your cash flow has been the same or similar. However, the amount we fund you will be based on the past 6 months’ bank statements of your business and you will need to go through a quick application process to see if we can approve you for a high business loan amount.

As an existing Capify customer, you may be eligible for a loan renewal at a discounted rate depending on certain criteria’s.


You can qualify for a business loan top up with Capify when you have paid 50% or more of your existing loan with us.

We pride ourselves with being a transparent and responsible lender. That’s why before you go ahead with your contract, we provide you with a document outlining our fees and total payback.

When repaying your small business loan with Capify the total payback figure is then broken into small daily repayments that our customers can afford as to not affect the day-to-day cash flow of their business.

With an MCA product, repayments are taken through your EFTPOS terminal at the end of settlement each day you are open for business. For example, if you make £1000 that day on your credit card terminal and your contractual pay back percentage is 10% daily, you would only payback £100 to Capify. This would occur until your cash advance is paid in full. Meaning the loan term is only an estimated term of when we expect you should have it paid off.

Yes, you are able to make additional bulk repayments whenever you want.