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Keep growing your online business with affordable, flexible finance. With an investment of £5,000 to over £500,000, you could improve customer retention, incentivise online purchases and subscriptions, and speed up distribution and delivery.

Thanks to our love of online shopping and convenient delivery, e-commerce sites, SaaS, and digital subscriptions are becoming more and more popular every year.

The UK is the third-biggest e-commerce market in the world

Shopping Online

E-commerce sales were valued at £586 billion in 2017, which was 16.5% of all business turnover in the UK that year.

The UK has the highest online shopping penetration rate in Europe

Ecommerce Credit Card

93% of us will be shopping online regularly by 2021. Almost £1 in every £5 is spent online.

Software as a Service (SaaS) companies need to prioritise sales and marketing

Team meeting Saas

SaaS businesses that spend a higher percentage of their total revenue on sales and marketing see faster growth.

UK SaaS businesses received £6.34 billion in equity funding last year

Woman on the phone

The amount invested keeps going up every year.

1 in 4 British people are signed up to a regular subscription box

Online subscription Woman

We spend £2 billion on them every year, and the market is expected to grow by 77% by 2022.

44.8% of businesses start a subscription service to improve customer loyalty

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34.5% get into the product subscription business to have greater control over distribution and shipping, while 24.1% are motivated by low startup costs.

Online Businesses Can Raise Finance With Capify

Capify has helped independent businesses raise finance for over 10 years. Online businesses can apply quickly, get their cash within days, and repay in small, affordable amounts. Online shoppers spend hundreds of billion pounds on e-commerce sites every year. Whether you run a small Shopify site, or have an established database of hundreds of products, Capify funding can help you pay for whatever you need to sell more. We rely on apps and streaming services everyday.

The SaaS landscape is competitive, with businesses incentivising us to spend more and more time using their services. Can you compete? Capify finance is here to help. Nearly a quarter of us are signed up to a subscription service, from meal kits to beauty products. This is one of the fastest-growing online business types, so your service needs to be fast, reliable, and give subscribers access to the best choice and discounts.

Flexible, affordable finance for your online business Large monthly payments can be tough to manage along with all your other business expenses. A Capify business loan makes it easy to raise finance and manage healthy cash flow. You can raise £5,000 to over £500,000 and pay it back in small daily or weekly payments over 6-12 months. You’ll repay as you earn. Keep 100% equity while you raise money. Investment into online businesses often comes with strings attached. Not with Capify! Finance is unsecured and you’ll maintain 100% control of your business.

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Software Service Loans

Software Service Loans

Subscription Service Loans

Subscription Service Loans

How you can grow faster with a business loan

Market to the right people in the right way

Online buying decisions are most influenced by word of mouth (55%) refer-a-friend schemes (46%) and media coverage (38%). As well as this, 71% of people don’t trust sponsored ads anymore, so quality marketing clearly has a much bigger impact. You can fund your own strategies and campaigns with a Capify business loan.

Even better customer service

An easy buying experience matters to online customers. 80% say bad customer service is enough to abandon their basket and go somewhere else. With a Capify business loan, you could invest in 24/7 online support, faster delivery times, and quality staff training. 



Improve personalisation

73% of shoppers prefer buying from businesses that personalise the online shopping experience. Funding can help you introduce individual product and service recommendations, targeted remarketing, and roll out highly specific email marketing campaigns for profitable groups of customers.

Loyalty schemes and customer retention

Finding new customers costs 5-6x more than retaining existing ones. A rewards scheme, tailored email marketing, and membership perks can help you hold onto the most loyal customers.


The benefits of a Business Loan from Capify

  • Raise from £5,000
  • Pay back little and often
  • No monthly lump sum
  • Opportunity to raise more funds
  • Get your funding within days of applying

To be eligible for a Small Business Loan, you’ll need to:

  • Run a UK-based business as a limited company
  • Process more than £10,000 a month through your business bank account
  • Have at least 12 months’ trading records

Capify is proud to offer…

The personal touch

Our customers are never passed around a generic call centre. You’ll speak to the same Manchester-based account manager throughout the application process.

Get your funds in days

We work with small businesses from all over the UK, helping them get the cash they need when they need it.

Flexible daily repayments

No large monthly payments, just simple, manageable repayments over 6 to 12 months.

Why Capify?

Capify’s goal is to provide simple, quick, and responsible access to capital. We prioritise flexibility, excellent customer service, and have invested in funding solutions that work.

Enquire now, and you’ll be guided through the process by a dedicated account manager. They’ll be on hand to answer your questions and take care of your application from first contact to receiving your funds.

Get Approved

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