Looking to expand your business but struggling to raise the necessary funds? A Capify small business loan provides an excellent solution that can help you turn your plans into reality – whether they’re essential or ambitious.
Our flexible financing options make it easy to get the money you need, when you need it, with repayment terms tailored to your business’s unique circumstances.
We’re not a bank. Our lending criteria is different, and we look at more than just your credit profile.
Don’t let a lack of funding hold your business back.
Check your eligibility online in just two minutes.
In just 2 minutes with no impact on your credit score.
We may be able to help when other lenders may not
Receive your funds in as little as 24 hours
Looking to expand your business but struggling to raise the necessary funds? Our business loan provides an excellent solution that can help you turn your plans into reality – whether they’re essential or ambitious.
With our loan, you can access the capital you need to make key investments in your business, such as purchasing expensive equipment, placing large stock orders, or hiring new staff. The possibilities are endless, and it’s entirely up to you to decide how you want to use the funds to help grow your business.
Our flexible financing options make it easy to get the money you need, when you need it, with repayment terms tailored to your business’s unique circumstances. Plus, with our competitive interest rates and transparent fees, you can be confident that you’re getting the best deal possible.
Don’t let a lack of funding hold your business back. Contact us today to learn more about how our business loan can help you achieve your goals and take your business to the next level.
Borrowing capacity
£5,000 to £750,000
Quick approvals
Same day approvals & funding possible in 24 hours
Unsecured business loan
No assets or security required
Minimum paperwork
We only require minimum documentation to get you on your way
Easy Repayments
Fixed regular repayments that are easy on your cash flow
Renewals
Fast and simple renewal process
Pay your bills or suppliers. Buy stock with ease regardless of seasonality or unpaid invoices.
Buy new equipment or renovate your store - Revamp your business!
Hire more staff, invest in marketing or open a new store! Whatever your goals, we can help you reach them.
Spend less time on the day-to-day admin and more time on the important things in life.
Unexpected tax payment due? Access funding quickly to settle any payments and avoid surcharges being added.
Simple application with no credit check for pre-approvals.
Receive a solution tailored to fit your business needs.
Get verified and approved quickly with minimum docs.
Get cash straight into your account within 24 hours.
Refurbishment and renovation
Jazz up that tired interior and invest in furniture that fits your brand. Your customers’ surroundings are important, no matter what kind of business you run.
Business technology
The days of running a business on paper are long gone. Speed up your operations, and cut down on time-consuming admin with best-in-class business tools.
Staff training and education
The team’s skills have a huge impact on the service you provide. Help them be the best they can be with courses, training, and education.
Marketing and advertising
Whether it’s online or offline, launch a marketing strategy that really works. With funds from a business loan, you could reach a whole new audience.
Here’s some of the main industries that we work with.
Whether you sell online or operate out of a physical premises, we could help your business to prosper.
Don’t worry if your business type isn’t listed.
Please contact us because we may still be able to help.
Over the past 15 years, we’ve helped thousands of businesses access the funding they need to grow and prosper. Many had previously been turned down by a traditional lender or asked to submit extensive applications before they would even be considered.
Our lending is quick and straightforward. Just tell us about yourself and your business, and we can give you an instant decision.
Get conditionally approved for a loan in just 60 seconds with our online eligibility checker, and funded in as little as 24 hours. There are no business plans or proposals to submit and no lengthy paperwork to complete. You can complete your online application quickly and easily in around 10 minutes.
Capify is not a bank and may be able to help you when a traditional lender might not. We look at different lending criteria and will consider all credit profiles, with every loan application decided by a human, not an algorithm.
Get funding from £5,000 to £750,000 for any business purpose - from working capital or purchasing new equipment, to paying off your existing debts. Capify loans are repaid in small, manageable payments, rather than larger monthly repayments, to minimise the impact on your cashflow.
Unlike a traditional lender, a Capify loan is repaid in regular instalments. This often makes it much easier to manage your cashflow than large, monthly repayments, or repayments which take a percentage of your daily turnover. Our team will work with you to create the best plan for your business.
To qualify for business finance from Capify, you need to:
Tick all of the boxes? Why not apply today and find out how much you can raise.
Small business loans come in all sorts of guises, depending on what you’re looking for. You can have a loan ranging anywhere from £5,000 to £750,000. Understanding the different specific types of small business loans offered is essential, however, so you can make a more informed choice about what’s right for you. As with anything, there are benefits and drawbacks with each loan type. It’s all about establishing what you need and then finding the right loan to suit you. To do that, though, you need an understanding of the most common small business loans.
An unsecured loan, or unsecured lending, as the name implies, requires you to put no collateral or security up to cover the loan in the event of you defaulting on your repayments. The primary benefit of this is, of course, that you can get approved that much quicker and you don’t risk losing your property if you can’t repay the loan.
The downside is that because there’s no security on the loan, it’ll be considered a much higher liability – this means you’ll face restrictions as to how much money you can borrow, and over what time period.
A secured loan will require you to put up some collateral or security. This is something that you own with a value similar to the value of the loan.
In the event of you defaulting on the loan, the property will be taken and sold to cover what you owe. The benefit of this is that secured loans allow you to borrow more money, and the loan is not considered so much of a liability.
The main drawback is that if you don’t make your payments, you will lose your collateral.
Outstanding Service, The loan application process often brings with it an array of stressors – intricate paperwork, lengthy waiting periods, and unpredictable outcomes, to name a few. My recent experience with Capify's business loan service, however, has entirely transformed my perspective. The first thing that stands out about Capify is their user-friendly website. It was a breeze to navigate through the loan options, and the online application process was remarkably uncomplicated. The use of clear and plain language made the usually confusing financial jargon much more digestible. What truly sets Capify apart, however, is their exceptional customer service. One representative, in particular, Joe, was incredibly supportive throughout the entire process. Joe not only demonstrated his extensive knowledge of the offerings, but he also took the time to understand our unique needs as a growing business owner. They carefully evaluated our business model, proposed a loan structure that perfectly catered to my needs, and made me feel like a valued customer rather than just another loan application. One of the key advantages of Capify was their promptness in processing my application. I was astonished at how swiftly our loan was approved, providing my business with much-needed financial flexibility during a critical growth phase. The interest rates offered by Capify were competitive, and they provided a range of options for loan tenure and repayment structure. This flexibility enabled me to select a loan package that best aligned with my business's cash flow, thereby significantly reducing financial stress. As for the fine print, everything was transparent. There were no hidden fees or unpleasant surprises, which is unfortunately not always the case with financial institutions. The terms and conditions were communicated clearly, and any questions I had were promptly and thoroughly addressed by Joe and his team. Our experience with Capify's business loan service was nothing short of excellent. The simplicity, efficiency, and customer-centric approach provided by Joe and the rest of the team at Capify truly set them apart in a saturated market. I would highly recommend Capify to any business owners looking for a hassle-free and efficient way to secure a business loan.
Read helpful articles around a range of topics
Find answers to the most frequently asked questions
Get a quick estimate on how much you can borrow
A small business loan is, unsurprisingly, a loan that is offered to small businesses. Small business loans differ from other loans because they’re tailored specifically to the needs of small businesses. So the rates available, as well as the repayment terms, are generally better suited to smaller businesses. They’re highly useful because they allow small businesses to easily unlock the financing they need to invest in stock, promotion, or business development – and they can also take the sting out of difficult financial periods.
The UK Companies Act 2006 defines a small business as any business with a turnover over under £6.5 million, a balance sheet not in excess of £3.26 million, and less than fifty employees
Our customers sit at the heart of everything we do and therefore it’s important that we make our products simple and accessible. We’re proud to have a team of dedicated professionals who can help guide e-commerce business owners through the process and find the best solution for them. For this reason, we’ve built a strong community of customers who come back to us time and time again.
We place a lot of emphasis on human communication over tech. Whilst we think that tech is important and delivers a fast process from application to receiving your funds, you’ll also have a dedicated point of contact who will always be available at the end of the phone if you’ve got a question.
We have a team of real people who look over every single deal. Not every business is the same, so we believe that underwriting should be conducted on a case by case basis rather than using a ‘one rule fits all’ approach.
Small business loans come in all shapes and sizes to suit a wide variety of businesses in every industry you can think of. So if you’re a start-up, a franchise, you have poor credit, a sole trader or limited company, etc. – you’ll find a loan that is tailored specifically to your needs. Whatever your industry may be, from e-commerce to manufacturing, if your business needs a quick cash injection, small business loans may be the answer.
Some lenders may put specific restrictions on what a general small business loan can be used for if they offer more specific services for those needs. For the most part, however, a small business loan can be used for anything you need it to be. You can put the money towards new premises, or refurbishing your current one. You can bulk-buy stock to see you through a seasonal rush. You can invest in a vehicle for your business. Hiring new staff, or providing further training for any current staff is also an option. As is investing in new equipment. Small business loans can also see you through periods of financial difficulty, and keep your business buoyant when cash flow is limited.
The repayment terms are entirely dependent on the specifics of the loan you choose. It depends on the amount of money you want to borrow, and the rate of repayment that you’re able to comfortably afford. The more you can pay back, the shorter your repayment terms will be. It’s important to prioritise comfortably making the repayments, however, rather than making larger repayments. It’s better to take a longer repayment term you can actually afford than agree to pay back money every month you can’t afford.
Loans can be short, medium, or long term. Common short term loans might last for six months, medium loans eighteen months, and long term loans anywhere from three to five years.
Knowing which loan is right for you can be a struggle. Taking it as a given that you understand what you need from a loan, how can you know which kind of loan to apply for to achieve your goals? For that, you need to know a little bit about all the most common small business loans you’re likely to encounter. Knowing their benefits, and drawbacks will help you make the most informed choice possible.
An unsecured loan, or unsecured lending, as the name implies, requires you to put no collateral or security up to cover the loan in the event of you defaulting on your repayments. The primary benefit of this is, of course, that you can get approved that much quicker and you don’t risk losing your property if you can’t repay the loan. The downside is that because there’s no security on the loan, it’ll be considered a much higher liability – this means you’ll face restrictions as to how much money you can borrow, and over what time period.
A secured loan will require you to put up some collateral or security. This is something that you own with a value similar to the value of the loan. In the event of you defaulting on the loan, the property will be taken and sold to cover what you owe. The benefit of this is that secured loans allow you to borrow more money, and the loan is not considered so much of a liability. The main drawback is that if you don’t make your payments, you will lose your collateral.
Limited company refers to the legal structure of the business, whereby the shareholders and management are distinctly separated. The benefit of being a limited company is that in the event of you defaulting on the loan, it’s the company that is liable for it rather than you as an individual. The disadvantage is that getting registered as a limited company can be a time-consuming process. So, if you’re not already a limited company you won’t be able to get access to your money as quickly as you might need it. Read more about Ltd. company loans.
All small businesses are different and operate in different ways. A flexible loan will offer you a wider selection of repayment options. Naturally, the main benefit of this is that you’ll be able to pay back the loan in a time frame that better suits your business. The drawback would be that it could mean you potentially repaying the loan over a longer period of time, ultimately accruing more interest. Read more about Flexible Small Business Loans.
