Understanding Working Capital Loans

Sometimes in business we need that extra bit of working capital to keep us going. But don’t worry Capify is here to help. We have worked with small businesses of all kinds over the past 10 years and can be your trusted funding partner whenever you need it.

Unlike a traditional loan, Capify’s working capital loan is paid back in very small amounts regularly; you can choose whether you want that to be every day, Monday – Friday or every week. The repayments are completely automated, so you don’t need to do anything other than spend your funding wisely. Many business owners love our regular payments, because they don’t have to save a large amount by a fixed date each month.

Small business working capital loans are available from £3,500 to over £500,000. You can raise up to 75% of your average monthly turnover and pay it back through small regular repayments over 6 to 12 months, depending on turnover.

WORKING CAPITAL EXPLAINED

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What are the different funding options?

There are different types of working capital financing available to businesses, but it is important that you chose the right king of product based on your industry and individual circumstances. Capify offer two business finance products that can give your that extra cash you need for working capital.

Working Capital Business Loan

Our innovative business loan product is designed to provide much-needed working capital. Business loan customers repay on a little and often basis, usually daily or weekly to help with cash flow management. They don’t have to worry about a large monthly repayment on a fixed date each month.

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Working Capital Merchant Cash Advance

A Merchant cash advance is an alternative business financing product that enables us to fund you a working capital loan through your card terminal. This loan product would be perfect for you if you run a retail-based business such as a restaurant, bar, pub or clothing store.

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Discover working capital finance in your industry:

Every industry has different needs and therefore it is important to consider the effect taking out a working capital loan may have on your business. Discover business loans by industry:

WHAT CAN I USE A CAPITAL LOAN FOR?

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Manage your cash flow

Sometimes you just need that extra bit of cash to get you through the period.

Bridge Delayed Payments

On occasion delayed payments pop up which means there is a cash hole that needs to be filled.

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Make Purchases

You might need some additional cash to fund an urgent payment. You might have business critical software you need to keep running.

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Cover Seasonal Shortfalls

If you run a hotel or any business where seasonality is part of market dynamic Capify capital loans are for you.

Daily Operations

If your looking to expand your business, employ more staff or buy new equipment capital finance loans can help you do that.

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Unexpected Expenses

Unexpected events could put your finances at risk leaving a gap in your cash flow. Capify can help you bridge the gap.

Your Working Capital Loan Questions Answered:

Can I get a working capital loan with bad credit?

When you or your business has struggled with bad credit in the past it can be a challenge to secure working capital finance. If a lender sees that you have bad credit it can be a sign that you have struggled to manage your finances well in the past giving you a higher risk of not being able to afford your repayments. However, Capify believe that people always deserve a second chance and will consider lending on a case-by-case basis depending on your situation. We may ask for a guarantor despite the loan being unsecured.

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Are working capital loans really a good idea?

Working capital loans for small businesses are a good short-term solution to provide that extra financial boost for operational needs. They are a great option for well-established small businesses who can utilise the credit in a positive way without it becoming a negative debt.

Trusted By Small Businesses For Over A Decade

Capify has helped hundreds of businesses over the past 10 years to fund all their working capital needs. No matter if you require funding for buying new equipment or employing additional staff. Apply for a working capital loan with us now and see if you quality. Apply for funding of £3500 – £500,00 today.

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