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Fast, Flexible Small Business Loans

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:

  • Turnover >£10,000 per month
  • Have at least 12 months’ trading records

The benefits of a Capify business loan

  • Raise from £5,000 - £500,000
  • Pay back little and often
  • No monthly lump sum
  • Opportunity to raise more funds

How can I do a quick business loan application?

All business owners know that things can move at a fast pace and sometimes you need a little extra cash to keep up. You may already have a plan in place to take your business to the next level or you may have been hit with an expensive issue to fix out of the blue. Whatever you need fast cash for, quick small business loans could be the perfect solution.

When you apply to us for quick business loans, it generally happens in a flash. Our easy to follow online application process will only take a few minutes to complete and send off. We may then need to speak with you on the telephone but this is down to your particular business circumstances. Once we have all we need, we will process your application and get back to you as quickly as possible.

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How long does it take to get funded?

To really grasp how long it may take to get your application approved, it is key to understand how the whole process works. The loan application process is generally split into three main stages as below:

 

Decision in principle – this first stage is done after your online application is submitted. It involves soft credit checks and can typically be done in a few minutes or even seconds.

 

Underwriting – the second stage is a more formal underwriting process which can involve full credit checks, landlord rental history and reviewing bank statements.

 

Formal approval– this final stage sees your online application fully approved and the funds released to you.

 

One important point – please try to provide all the necessary documents upfront when you apply asthis will make the process much quicker for you.

 

Why might you need a quick business loan?

If you are wondering why fast business loans are used by many SME’s then the below should help:

  • improve your cash flow
  • increase marketing activity
  • buy new equipment or repair broken gear
  • renovate current premises or move to a new site
  • invest in training for staff
  • cover expense of buying essential stock or supplies
  • cover staff wages or bonuses

How our quick business loans work

Our fast small business loans are simple to understand and easy to access.

You can borrow from £5,000 to £250,000+ and our customised payment plans depend on your month by month turnover. Our flexible payment solution also enables you to pay small amounts back regularly to avoid having one large monthly repayment to make.

Our quick business loans take into account your overall business performance from whether you take card payments to how many card transactions you complete, not just your credit. If you do not accept card payments, we will use your monthly turnover figure instead to provide a viable package.

Fast business loan lenders

Here at Capify, it is not only our fabulous fast business loans that make us the people to trust. We pride ourselves on delivering a speedy service that enables you to get the funding you need quickly. Our rapid online application process means we will assess your application and make a decision on it fast. This means you spend less time on filling out loan paperwork or waiting for a de ision and more time working.

We also take great pride in offering excellent levels of customer service. All of our expert team are on hand to answer any queries you have or explain the whole process in more detail if needed. With 10 years of experience in the sector, we have built up a reputation over that time for helping independent businesses and SME’s get the fast loans they need to grow.

Quick business loan calculator

If you want a fast way to work out what you could lend and what the repayments might be, our handy business loan calculator will help. Just input the relevant figures and see exactly what funding you could be eligible for.

Business loan calculator

Get an estimate of how much you might be able to borrow in under a minute.

How long do you want to lend over?

3 months

What is your monthly average turnover?

£ 10000

This calculator is for illustrative purposes only and is based on an example factor rate of 1.26. The factor rate offered to your business may vary based on your circumstances and loan terms. Processing and origination fees may apply. Repayments are collected by Direct Debit, meaning payments are taken on business days only.

Receive a decision in 60 seconds and funding in days

Capify’s quick business loans are speedy for a reason – business owners don’t have much time to go through paperwork and wait for a decision. Our quick quote tool will provide you with a funding decision in 60 seconds.

After applying through our friendly Manchester-based sales team, you’ll receive your funds within days.

89% ‘Excellent’ reviews on Trustpilot Many of our customers are returning ones. They’ve given our team of Account Managers excellent reviews on Trustpilot. They love the fast, uncomplicated application and friendly service.

Predictable, manageable repayments You can repay your Alternative Business Loan over 6-10 months. We’ll take a small percentage from your business bank account each day.

When a business needs money, it needs money fast. A quick small business loan’s main advantage is, of course, that you can get approved quickly and that you can get the money into your account sometimes in as little as one working day. The downside of this, however, is that you can only borrow so much money over a short term basis before the size of the repayments makes it an unrealistic prospect for most smaller businesses. Read more about quick small business loans.

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