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Small Business Loans for Women

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

The UK economy depends on its 5.8 million small businesses – they make up 99.9% of all businesses and account for three fifths of all private sector employment.
According to 2018 research, less than one in five SMEs are led by women. There are double the number of male entrepreneurs compared to female entrepreneurs in the UK, which means the UK could be missing out on valuable services and products created and developed by women with big ideas.

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Female entrepreneurship in numbers

Women-owned businesses earn 40% more than they did in 2012

Businesses owned by female entrepreneurs contribute £105 billion GVA to the UK economy.

Women are just as successful at creating long-term businesses…

73% of both male and female entrepreneurs run businesses for more than 3.5 years.

…however, businesses led by women receive less investment

According to the Entrepreneurs Network, male entrepreneurs are “86% more likely than women to secure venture capital funding” and “56% more likely to win the backing of an angel investor”.

This means women start businesses with 53% less capital on average

Access to funding has been cited as the number one barrier for women-owned businesses by a government commissioned 2019 report.

Small business loans explained

A small business loan can put more cash into your business. It will pay for whatever you need to grow and make important changes – new furniture, upgraded equipment, or even smart technology, and staff training.

 

Why are small business loans for women so important?

The stats make it clear – female-owned and run businesses are missing out on investment, and it’s holding them back from profit and success. The Alison Rose Review of Female Entrepreneurship highlights that women-led businesses need awareness of and access to funding options. 

With extra funding, female-owned businesses could:

  • Experience significant growth and development.
  • Add more to the economy.
  • Improve innovation across a variety of sectors and industries.
  • Create more national and local employment opportunities.
  • Help mentor other female entrepreneurs.
  • Help to close the gender pay gap.


How female-led businesses can invest and use a business loan
If a crucial part of your business plan needs funding, or you’re determined to improve a major part of your service, a small business loan can be just the boost you need. 

Update and renovate your space
Repaint, redecorate, knock down walls – whatever you want! With finance from Capify, you can make your business premises bigger, more useful, more stylish, or install essential appliances and equipment. 

Invest in new equipment and stock
Your business depends on its raw materials. Make sure you have everything you need to provide the best products and services. 

Speed up everyday tasks
Make servicing your customers faster and easier. A small business loan can help you pay for efficient software and digital tools that can help you do more in less time. 

Market and advertise yourself
Reach new potential customers online, in print, through the post, and everywhere else. Funding can help you focus your marketing efforts, roll out a smart strategy, and put the right time and resources into it. 

How female-led businesses can invest and use a business loan

If a crucial part of your business plan needs funding, or you’re determined to improve a major part of your service, a small business loan can be just the boost you need. 

Update and renovate your space
Repaint, redecorate, knock down walls – whatever you want! With finance from Capify, you can make your business premises bigger, more useful, more stylish, or install essential appliances and equipment. 

Invest in new equipment and stock
Your business depends on its raw materials. Make sure you have everything you need to provide the best products and services. 

Speed up everyday tasks
Make servicing your customers faster and easier. A small business loan can help you pay for efficient software and digital tools that can help you do more in less time. 

Market and advertise yourself
Reach new potential customers online, in print, through the post, and everywhere else. Funding can help you focus your marketing efforts, roll out a smart strategy, and put the right time and resources into it. 

Some important business loan terminology you need to know

Don’t know your APR from your interest rates? Here are some essential business finance terms, explained simply.

Borrower

You! The person borrowing money or raising finance.

Lender

That’s us – the people who lend your business the cash. 

Principal

The amount of cash you raise.

Interest

The extra percentage you repay on top of the amount you borrowed.

Annual Percentage Rate (APR)

The average interest repaid by a lender’s customers every year.

Factor rate

This is an easy way to work out the full amount you’ll repay after interest is added. If you borrow £10,000 and the factor rate is 1.32%, you’ll  pay back £13,200 in total.

Payments

You usually repay your loan through regular payments. You’ll keep making these payments until the loan is fully repaid.

Term

The amount of time it will take to pay your finance back.

Collateral

A physical item you include as part of your loan agreement. That means the lender can take it from you if you can’t repay the finance.

Guarantor

A guarantor helps you get a loan by promising to cover your repayments if you can’t afford them.

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