Capify — SME finance eligibility guide
Capify is a UK alternative finance provider focused on merchant cash advances and small business loans for retail and hospitality SMEs.
- Official site:
- capify.co.uk
- Companies House:
- 06255629
- Trustpilot:
- view
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
- Amount range
- £5k–£1m
- Security / PG
- Often marketed without traditional security
- Speed
- Not clearly disclosed
Data confidence
High confidence. Most of the figures on this page are published directly on the lender's own site. Verify the latest version with the lender before applying.
Summaries are paraphrased from public Capify pages.
Products Capify offers
A summary of the Capify products tracked in the Lendrly database. Criteria can change and published ranges may differ for individual applicants. Always confirm with the lender before applying.
| Product | Category | Amount range | Min trading | Security / PG | Speed | Confidence |
|---|---|---|---|---|---|---|
| Small business loan | Unsecured Business Loan | £5k–£1m | 12 months | Unsecured marketed — Typically unsecured | Not clearly disclosed | High |
Eligibility breakdown by product
Each section below paraphrases the published eligibility signals, common blockers, repayment, speed and security posture for one of Capify's products. This is educational guidance only and is not a quote or guarantee of approval.
Small business loan
Unsecured Business Loan
Source: View Capify's Small business loan page on capify.co.uk ↗— Capify UK business loans / merchant cash advance pages.
Who Capify's Small business loan may be suitable for
Capify's Small business loan may be a possible fit when Small and micro businesses. Typical signals include general sme working capital/expansion/refinance; stable trading and affordability.
Common blockers
- Insufficient trading history/revenue
- Weak affordability
- Severe adverse credit
- Excluded sectors
Repayment
Capify structures repayment as: fixed repayments.
Speed to funding
Capify indicates speed to funding around: not clearly disclosed. Actual timelines may vary with documentation and underwriting.
Security and personal guarantee
Security posture: unsecured marketed. Traditional security is often not required.
Other lenders covering similar product families
Other UK SME lenders in the Lendrly database whose product mix overlaps with Capify. This is not a ranking and not a recommendation — eligibility, pricing and underwriting can differ substantially between providers. Review each lender individually.
Related guides
Educational explainers that pair well with Capify's product mix.
Related lender directories
Browse other UK lenders publishing criteria in the same product families as Capify.
Keep exploring
Move up to broader categories, drill down to a specific sector, or browse related tools at this level.
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
Capify — data sources
Lendrly summarises publicly-available information from the lender pages listed below. Criteria can change without notice — always confirm directly with the lender before applying.
- Capify — Small business loancapify.co.ukCapify UK business loans / merchant cash advance pages.
What this page is — and isn't
- Is: a plain-English summary of Capify's published eligibility signals, security posture, speed and product mix — written for UK SMEs trying to understand their funding options.
- Is not: a quote, a rate offer, an indication of approval, or regulated advice. Lendrly does not submit applications and is not a regulated credit broker.
- Always: confirm criteria, pricing and product availability directly with Capify on the official Capify site before applying.
Frequently asked questions about Capify
- What is the minimum trading history for Capify?
- Capify's products in the Lendrly database show a minimum trading history starting from around 12 months for at least one product. Other products may require more.
- Does Capify require a personal guarantee?
- Capify does not publicly disclose personal guarantee requirements in a consistent way. PG is common across UK SME finance and may be requested — verify directly with the lender.
- What speed to funding does Capify publish?
- Published speed indicators for Capify include: Not clearly disclosed. Actual time to funds will depend on documents, affordability checks and underwriting.
- What is Capify's minimum and maximum facility size?
- Across the products Lendrly tracks for Capify, the published amount range is approximately £5,000 to £1,000,000. Individual products may sit within narrower bands — see the products table on this page.
- What is Capify's published position on CCJs and adverse credit?
- Capify's published criteria mention CCJs or adverse credit as a factor for at least one product. Unsatisfied CCJs are commonly a blocker across UK SME lenders; verify your specific position with the lender.
Check whether Capify's criteria fit your business
Answer a few questions and see how your business profile stacks up against published lender criteria, including Capify's. Educational guidance only — Lendrly does not submit applications on your behalf.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.