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Retail Finance

Capify offers a business loan created for retailers who have exciting or necessary plans. It’s quick to apply and if approved, the cash is released within days. The business loan is unique because instead of being paid back in large monthly chunks, it’s paid back in small and regular amounts. 

Many retail businesses prefer to buy their stock in bulk to make the best savings, however, it can be costly to make such frequent, large purchases. With Capify, our business loan will provide you with the funds to buy what you need and then you can repay in small and manageable amounts over time.

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Benefits of a retail business loan from Capify

There are many benefits of coming to Capify for an retail business loan.

  • You can grow your business and achieve your plans
  • The repayments are small and manageable
  • The whole process, from application to funding, is quick and hassle-free
  • You don’t need to sell a portion of your business in return for investment
  • We’re always at the end of the phone if you have a question

You could use Capify's retail business loan in the following ways

Capify’s retail business loan is most commonly used for:

  • Stock
  • Refurbishment
  • Marketing and advertising
  • Cash flow

It’s important to emphasise that the loan can be used for any business purpose, whether that’s one of the reasons above or something completely different.

 

Check if you're eligible for a retail business loan

Capify’s retail business loan is a fantastic option for anyone that wants to grow their business. To be eligible you must:

  • Own a UK based business
  • Own a limited company
  • Have a trading history of 12 months+
  • Process more than £7,500 a month through your business bank account

Tick all the boxes?

Why not apply today and find out how much you can raise.

Achieve Your Plans with Capify 

Owning a retail business can be so rewarding. You have the opportunity to meet your customers, offer one on one advice and provide people with an unforgettable shopping experience. It’s also up to you to decide what stock to buy and how to present it in the shop! 

In order to be profitable, it’s important to keep customers interested and encourage them to come back time and time again. If you’ve got exciting plans for your retail business such as a new line of stock, bold refurbishment or opening an additional location, Capify can help with our retail business loan.

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Reducing the need for plastic

Seven out of 10 grocers reduced their plastic packaging, as well as made pledges to reduce their carbon footprint in 2019.

Retail as experience

In the next year, the penny will drop, and the role of the store will change: it’ll become a place for consumers to have more of an experience.”

E-commerce sales

In 2019, e-commerce sales accounted for 21.5% of the countries total retail sales.

Applying for business finance with Capify is easy

Step 1: 

Fill out our simple online application. It takes two minutes from start to finish and you’ll find out if you’re pre-approved.

Step 2:

Submit the required documentation to our underwriting team, they’ll have a look over it and let you know how much you qualify for!

Step 3:

Sign the agreement and then the funds will be released. Now you have the money to achieve your plans!

 

Get Approved

FAQ's

Why do retailers need to borrow money?

There’s so many reasons a retailer might come to Capify for a business loan. Firstly, shops are judged on their stock. It’s important to make sure you offer the right products for your customers and always have enough of them. Typically, it’s better for retail owners to purchase their stock in bulk in order to make savings. However, it can be expensive so many business owners choose to get a loan to cover the costs.

Also, it’s often beneficial for retailers to invest in technology to streamline the business, whether that’s a state of the art EPOS system, or accountancy software. It helps to make everything run more efficiently, but again, it doesn’t come cheap. Investing in a good website is important because it means that customers can easily check your opening times, location and products. It gives you the ability to sell online too!

Other reasons include: 

  • Business expansion
  • Hiring new staff 
  • Investing in marketing 
  • Cash flow 
  • Sustainability

Why should I choose Capify over another finance provider?

Our customers sit at the heart of everything we do and therefore it’s important that we make our products simple and accessible. We’re proud to have a team of dedicated professionals who can help guide retail owners through the process and find the best solution for them. For this reason, we’ve built a strong community of customers who come back to us time and time again.

We place a lot of emphasis on human communication over tech. Whilst we think that tech is important and delivers a fast process from application to receiving your funds, you’ll also have a dedicated point of contact who will always be available at the end of the phone if you’ve got a question. 

We also have a team of real people who look over every single deal. Not every business is the same, so we believe that underwriting should be conducted on a case by case basis rather than using a ‘one rule fits all’ approach.

Top Tips for Retailers

Consider Sustainability

In the past couple of years, buyers have become much more aware about the impact ‘fast fashion’, plastic packaging and food waste have on the environment. For this reason, it’s time to consider how your business can become more sustainable. Whether you buy in second hand goods to sell alongside your other products, use more recyclable materials or consider your packing, It’ll pay off in the long run.

99% of chief executives from the world’s leading organisations say sustainability is critical to their future success”

Shopping as an experience

In 2019, 21.5% of all retail sales were done online, the highest year so far. E-commerce sales are not likely to slow down, so how are you going to get ahead? One thing that can’t be offered online is an experience. Get to know your customers, encourage them to try before they buy, offer help and guidance. Make it worth the travel. Going to a shop also offers immediate gratification, often, you can walk away with the purchase right there and then! That’s a huge selling point for you.

Sell online too

If you don’t already, it might be time to start selling online, and that includes through a website and social media. Not only will you reach people who live in distant locations, you’ll also attract nearby customers. It’s a great way to show off your stock and make sure you remind people who you are and what you do! It gives you double the advantage, people can come and see you in store, or make a purchase from home.

In 2018, 1.8 billion people worldwide made purchases online.

Offer a loyalty scheme 

Finding new customers costs 5-6x more than retaining existing ones. By offering a rewards scheme or membership perks, you’ll be able to hold onto your most loyal customers.

Capify is proud to offer…


The personal touch

Our customers are never passed around a generic call centre. You’ll speak to the same Manchester-based account manager throughout the application process.


Get your funds in days

We work with small businesses from all over the UK, helping them get the cash they need when they need it.


Flexible daily repayments

No large monthly payments, just simple, manageable repayments over 6 to 12 months.

Why Capify?

Capify’s goal is to provide simple, quick, and responsible access to capital. We prioritise flexibility, excellent customer service, and have invested in funding solutions that work.

Enquire now, and you’ll be guided through the process by a dedicated account manager. They’ll be on hand to answer your questions and take care of your application from first contact to receiving your funds.

Get Approved

We’re trusted by thousands of small and
medium sized businesses.

We take pride in working with thousands of UK businesses, and we really appreciate what they say about our
products and services.