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Who is a small business loan for?

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

Business loans for a wide range of business types

Every business needs cash in its bank account to run properly. It doesn’t matter how big or small – cash flow is everything. It’s one of the few things that a corner shop and a massive international business have in common! Naturally, that means some businesses need to boost their cash flow from time to time. Just like most people can’t afford to put several thousand pounds down for a new car instantly, a business owner also can’t afford to buy some of their assets up front either. That’s why they need a bit of help from a small business loan.Flexible business finance gives business owners the time and resources to invest and keep growing. With that essential extra cash, those great opportunities will be within reach.

Could your business get a small business loan? Absolutely!

There’s loads of great stuff you’d like to do to your business. You’ve picked at the paintwork, admired other people’s e-commerce sites, and hypothetically decided how many extra staff you’d need for an event. Some of it’s doable, but some of it’s a bit out of reach without some extra cash. Thankfully, there are loads of places to get that all-important finance.

 

Your business, just like any other, could get a small business loan and turn all those plans into real, tangible growth. There are repayment models and business loan terms out there to suit every kind of business, whether you’re fairly new to the game, operate a specific type of limited company, or want to repay over a certain period. Keep reading to find out more and get started.

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Small business loans for startups

The number of new startups increases every year in the UK. Small businesses all over the country are constantly developing innovative new ideas and time-saving tech. They need support to make sure their projects are an even bigger success!

 

Startups can use a small business loan to pay for research and development, hire extra staff, and invest in digital marketing.

Fixed and flexible payment options

Want to know exactly what your regular payments will be? Or does the thought of a big monthly payment make it seem too expensive? Flexible repayments can be easier for restaurants to manage because they change as your business earns more or less.

If Christmas means jam-packed parties and bookings, but January and February are slow, flexible finance will mean you repay less during those quiet periods and more when you’re busy.

Small business loans for franchises

In many ways, a franchise is like any other kind of business. You might have a model to work from already, but you still need cash to help you develop. Franchisees can use a small business loan for fancy new equipment, uniforms, stock, marketing, and more!

Capify’s qualifying criteria

To qualify for business finance from Capify, you need to:

  • Be a Limited Company based in the UK
  • Have a trading history over 12 months
  • Have a minimum monthly turnover of £10,000

Tick all of the boxes? Why not apply today and find out how much you can raise.

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Small business loans for companies with poor credit

A small business loan might feel off-limits to some, or even too difficult to manage and pay back. If your business’ credit rating is lower than you want it to be, it can affect the type of finance you can get, how much you can raise, and the interest you’ll pay.

It’s still possible to get a small business loan with a lower credit score. Lenders understand that business involves some inevitable risk, and they’re often still able to help you raise the cash you need. Keep working on that score though! Even small progress is progress.

 

Short term or long term business loans

How much you need to raise for your business depends on what kind of plans you have. A big renovation project would generally be more costly than buying stock or updating your staff’s uniform. It all depends what your business needs the most.

Borrowing money for your business in stages can help make repayments more affordable. It also helps you plan your growth strategy, prioritise the biggest improvements first, and adjust your budget as you continue to develop your business.

 

Small business loans for different types of companies

Businesses of all types can benefit hugely from a small business loan. Most small business lenders will provide finance for:

Limited companies, sole traders, partnerships, charities, limited partnerships.

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