Capify
Short-term business lender that assesses cash flow and trading history rather than relying only on credit scores, which can help post-decline cases where credit history blocks a Funding Circle or iwoca term loan. Capify says applicants need 12+ months of trading and £10,000+ monthly turnover. Its own figures put application to funding at typically 24 to 48 hours, with same-day funding available.
Quick verdict
- Product: Short-term business loans and supplier invoice payment.
- Ticket band: £10k to £3m.
- Pricing: Factor rate set by risk (not published).
- Capify says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Capify, at a glance
- Legal entity
- Capify Limited
- Companies House
- 10183728
- Incorporated (UK entity)
- 2016
- Product
- Short-term business loans and supplier invoice payment
- Ticket range
- £10k to £3m
- Decision time
- Typically 24 to 48 hours; same-day funding available
- Ltd-only
- No, the lender also accepts other structures
Where Capify is strong
- Daily or weekly repayments over short terms, which can suit businesses that want the debt cleared quickly.
- More accommodating on credit history than mainstream term-loan lenders, which can help businesses declined by Funding Circle.
- Same-day funding available, which matters for HMRC pressure and supplier-pay deadlines.
- Checking eligibility doesn't affect your credit score, according to Capify.
Watch-outs, and when another lender may suit better
- Factor rate disguises true APR, so work out the all-in cost before signing.
- Needs 12+ months of trading and £10,000+ monthly turnover, so younger or smaller businesses fall outside its criteria.
- Daily or weekly repayments can pinch cashflow for seasonal businesses, so consider a Funding Circle term loan if monthly is essential.
- Bad fit for £100k+ tickets where the borrower has the trading history for cheaper money; Allica or OakNorth may suit better.
Best fit applicants
- UK businesses trading 12+ months with £10,000+ monthly turnover that need short-term funds quickly
- Post-decline cases where mainstream term lenders blocked on credit history
Where Capify is the wrong fit
- Businesses trading under 12 months, consider Start Up Loans Company or a revenue-based finance provider
- £100k+ established Ltds with clean credit, consider Allica or OakNorth
- Pre-revenue applicants, consider Start Up Loans Company
If declined by Capify
If your application to Capify is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our Capify decline guide for what to do next, and our side-by-side guide to Capify alternatives for the closest UK specialty finance providers.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Capify
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Capify?
Capify offers short-term business loans and supplier invoice payment. Ticket range: £10k to £3m. Typical rate: Factor rate set by risk (not published).
How long does Capify take to decide?
Typically 24 to 48 hours; same-day funding available Capify says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Capify the best fit for?
First on the list: UK businesses trading 12+ months with £10,000+ monthly turnover that need short-term funds quickly. The full list is under Best fit applicants above.
When might another lender suit better than Capify?
First on the list: Businesses trading under 12 months, consider Start Up Loans Company or a revenue-based finance provider. The other cases are under Where Capify is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Capify
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.