Check your eligibility, with no impact on your credit rating.
£5,000 - £500,000 available for your business
Fast, Convenient Application with funds sent same day.

A cash injection to help you scale and grow your business


Get a quick decision online with no affect on your credit file when you apply for a business loan from Capify.

The Capify business loan is designed to provide much-needed working capital to small business owners no matter their credit score. We’ve helped thousands of small businesses across the United Kingdom fulfil their business ambitions.

Loans are available from between £5,000 and £500,000 for any need. So whether you’re looking for finance to purchase stock, renovate your premises, raise cashflow or to purchase new machinery, a Capify business loan could be right for you

*The Check Eligibility and Get Approved buttons will take you to Capify’s quick and easy online application*


Instantly check if your business qualifies

With no impact on your personal or business credit rating when checking your eligibility.

*This button will take you to Capify’s quick and easy online application*

Check Eligibility

Check if your business qualifies


  • You must be a limited company or limited partnership based in the UK.
  • We only accept businesses with a trading history over 12 months.
  • You must have a minimum monthly turnover of £10,000.

Do you meet our criteria?

If so, apply online today and discover how much you can raise.

*This button will take you to Capify’s quick and easy online application*

Check Eligibility

Apply for a business loan

We specialize in providing loans and alternative finance for small businesses and we always aim to make the application process as easy and stress-free as possible.
  1. Check if you qualify in 60 seconds

    See if you’re eligible without affecting your credit score.

  2. Complete your application

    Tell us about you and your business, along with providing all the necessary documents we need to make a decision.

  3. Decisions within 24 hours

    We'll review your application and aim to give you a decision within 24 hours.

  4. Your funds arrive

    Once your agreement is agreed and signed you could have the funds in your account that same day.


How does a loan from Capify differ from a traditional bank loan?

Finance from Capify is different in that there are small daily payments automatically debited from your bank account as opposed to having to come up with large monthly payments.

How much will my Capify business loan cost (APR/Interest Rate)?

Capify’s rates typically start from 47.39% APR. However the rate you are offered will depend on your individual circumstances. Check your eligibility online to see how much you could raise, and what your repayments will look like.

What does my business need to qualify?

For regulatory purposes and also to manage risk, lenders need to have supporting evidence that you are who you say you are and that the information you’ve provided on your application form is
correct. The process of verification is known as underwriting. Underwriting takes place after you’ve successfully gone through the initial eligibility/approval process.

Applicants will need to provide:

– Evidence of ID
– Financial information on the business (including income, outgoings, profit, assets etc.)
– Declare outstanding credit agreements (other borrowing)
– Landlord references (if applicable)
– Any other financial information requested

Applicants will also need to successfully pass a credit check – with different business lenders each having different criteria’s for approval. Being declined by one lender doesn’t mean you will be declined by all lenders.

If you need further information on this stage of the process, take a look at our article covering the steps required [internal link] before approval for finance can be given.

How quickly can my business be approved and funded?

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.

My experience with Capify has been exceptional. I would never use the banks again, I will always go to this company for my financing needs, whether big or small.

– Baby Clothes Retailer