Capify is a direct lender launched in 2008 when it merged its previous names of United Kapital and Capiota.
From its headquarters in Manchester, Capify provides finance to UK businesses from independents to SMEs, and retailers to restaurants.
Whether you’d like to pay for new equipment or an office refurbishment, or you need a cash boost to take your business to the next level, Capify could help with fast and flexible business finance to suit your needs. It’s quick and straightforward to apply online at the Capify site.
Use the fields above to estimate business loan costs.
Capify provides two types of business finance:
| Loan type | Borrow | Repayments |
|---|---|---|
| Business loan | £5,000 to £750,000 | Daily or weekly |
| Merchant Cash Advance | £5,000 to £500,000 | As a percentage of card transactions |
You should only apply for a Capify business loan if you’re certain you can meet the repayment terms. You must also:
Interest rates are fixed for the duration of your repayment period. However, the rate you’re offered will depend on factors like the amount you apply for, the term of the loan, the performance of your business and its credit rating. This may differ from the advertised “Representative APR”.
Capify has received positive reviews from customers according to review platform Trustpilot, where it currently has a “great” rating of 4.4 out of 5, based on over 520 reviews (updated October 2024).
Over 80% of customers on Trustpilot gave Capify an “excellent” review, with people highlighting their customer service, quick turnarounds and application process. Some reviews also questioned the fees that Capify charges.
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