Capify business loans calculator and review

Capify offers business finance to SMEs that is paid back little and often, rather than in larger monthly instalments.

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Chris Lilly

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Capify

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.

See how much it'll cost you to take out a Capify loan

Capify business loan calculator
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Use the fields above to estimate business loan costs.

Capify loan options

Capify provides two types of business finance:

Loan typeBorrowRepayments
Business loan£5,000 to £750,000Daily or weekly
Merchant Cash Advance£5,000 to £500,000As a percentage of card transactions

Key features of Capify business loan at a glance

  • Borrow £5,000 to £750,000. Borrow up to 75% of your annual turnover.
  • Repay daily or weekly. Pay back your loan little and often, rather than in larger monthly instalments.
  • Repay over 6 to 18 months. Choose a repayment term that suits your business.
  • Dedicated account manager. Talk through your individual circumstances at every stage of your application, and after you get the money, with just one person.
  • Automated repayments. Capify takes repayments automatically from your business bank account on your chosen dates.
  • Fees. Capify charges a processing fee as well as a monthly administration fee. Be sure to check the total amount you will repay before agreeing to a loan.

Am I eligible for an Capify business loan?

You should only apply for a Capify business loan if you’re certain you can meet the repayment terms. You must also:

  • Be a limited company based in the UK.
  • Have trading accounts for at least twelve months.
  • Process more than £10,000 per month through your business bank account.

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 customer reviews

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.

How can I apply?

  1. Simply visit the Capify website, click on “Get a Quote” and fill out some basic details about yourself and your business.
  2. A Capify account manager will call you to talk through your application in more detail and help you decide which finance option best suits you.
  3. Once you have been approved for a loan, you should have the funds in your account within a few days.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

Chris's expertise
Chris has written 613 Finder guides across topics including:
  • Loans & credit cards
  • Building credit
  • Financial health
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