0800 151 0980

Business Loans For Retailers

Looking to grow your business? Or just need a little extra working capital to keep your business moving? 

Our small business loans are available between £5,000 – £500,000 for almost any purpose.

We’re not a bank. Our lending criteria is different, and we look at more than just your credit profile.

Check your eligibility online in just two minutes, with no impact on your credit score, and you could receive your funds in as little as 24 hours.

How does the business loan work?

Unlike a traditional loan, Capify’s is paid back in very small amounts regularly. The repayments are completely automated so you don’t need to do anything. Many business owners love our regular payments, because they don’t have to save a large amount by a fixed date each month.

To be eligible for a business loan, you'll need to:

The benefits of a Capify business loan

Loans For Retail: Everything You Need To Know

Planning to buy some new stock, update your online marketing, or give your staff the best training? You’ll probably need extra cash to make it happen. It makes sense you’d want to work with a loan company that understands your business and what it needs. Capify’s retail business finance has easy, affordable repayments. Regular payments will come out when your customers pay using your card machine, helping you to manage cash flow and pay off debt at the same time.

Table of Contents

The Latest Retail Industry Trends

Capify’s retail business finance has easy, affordable repayments. Regular payments will come out when your customers pay using your card machine, helping you to manage cash flow and pay off debt at the same time. Retail can be a tough industry, but independent businesses like yours are very good at adapting to change. Here’s what the industry currently looks like:

Smart Shopping Technology

Customers like to research products and browse online before they visit your store. Tech can help you develop a click-and-collect service, or make online ordering fast and easy.

Renovation and Refurbishment

Develop your space so you can serve more customers, show off products, or create more storage space.

Top Notch Security

Protect your stock and premises with alarms, CCTV, smart doorbells, and other clever security features. Business finance can give your retail business essential cash, giving you the freedom to make even more big, important changes.

Fixed and Flexible Payment Options

Most loan repayments are either fixed or will change regularly. It’s up to you to decide which will work best for your business. A fixed monthly payment can be a good option, because you know exactly what you’re paying every month. Retailers are often seasonal businesses though, so big, regular payments might not be affordable for you all year round.

Flexible repayments change as your business earns cash. If Christmas means loads of sales, but the first few months of the year are a bit on the slow side, you’ll repay less during the quiet periods and more when you can afford it.

Retail in a Hurry? Get Fast Finance

Keen to get the new shelving and stock room installed ASAP? You’ll need cash sooner rather than later. Capify can usually get your cash sorted within days of your application getting the go ahead. So you’ll be able to start buying new stock and making improvements in a few days.

The Regular Repayment

With this option, we’ll take a very small repayment regularly until the finance is paid back. It’ll help you to manage your cash flow.

The 5 Day Repayment

This option is repaid between Monday – Friday. It’s the perfect solution for businesses that are closed during the weekends.

Once a Week

With this option, you’ll repay your loan just once a week.

Frequently Asked Retail Loan Questions:

If you want to pay off your business loan as soon as you can, a short term loan would be a good idea. Long term finance gives you longer to repay, but means you’ll have debt to deal with for a longer period too.

Before you choose, it’s important to think about your business’ seasonal changes. Short term repayments will be taken care of during your busier time of year, so slower periods could be debt-free!

Missed a few payments in the past? It doesn’t mean you can’t get another loan that works for you.  

Capify’s small business loan can work for pubs with all kinds of credit backgrounds. A lot of small businesses have the occasional late payment on their credit report. It’s hard to be perfect all the time.

Whether your credit is spot on or not, Capify can usually help. To find out if you’ll be eligible, just get in touch with one of our helpful advisers.

Table of Contents