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Capify Review

Capify is a UK and US alternative finance provider founded in 2008, specialising in merchant cash advances and unsecured business loans for small and medium-sized businesses. It offers flexible funding based on card sales revenue and overall business performance, with repayments structured either as a percentage of daily card receipts (merchant cash advance) or fixed daily/weekly debits (business loan). Capify is known for accessibility — it works with businesses that have been turned down by banks — and for a dedicated relationship manager approach.

Written by the Lendus editorial team. Last updated: April 2026.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Amount

£4k – £500k

Rates

1.1 – 1.5

factor rate for merchant cash advance; business loan APR varies — typically 20%–80% APR depending on risk profile

Speed

Decision typically within 24 hours; funds within 1–3 business days

Trustpilot

4.6/5

1,800 reviews

What is Capify?

Capify (Capify Ltd) is a UK-based business finance provider founded in 2008 and headquartered in London. Capify is a UK and US alternative finance provider founded in 2008, specialising in merchant cash advances and unsecured business loans for small and medium-sized businesses. It offers flexible funding based on card sales revenue and overall business performance, with repayments structured either as a percentage of daily card receipts (merchant cash advance) or fixed daily/weekly debits (business loan). Capify is known for accessibility — it works with businesses that have been turned down by banks — and for a dedicated relationship manager approach. They have lent £500 million+ to date, helping 25,000+ UK businesses.

Founded 2008 London Authorised and regulated by the Financial Conduct Authority (FRN: 720390)

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Products offered

Merchant Cash Advance Business Loans

Rates and costs

Rate range
1.1 – 1.5 (factor rate for merchant cash advance; business loan APR varies — typically 20%–80% APR depending on risk profile)
Representative APR
Merchant cash advance: priced by factor rate (representative 1.3); business loan: approximately 39.9% APR representative
Amount range
£3,500 – £500,000
Approval speed
Decision typically within 24 hours; funds within 1–3 business days

Representative example

Borrow £20,000 over Typically 6–12 months depending on card sales volume. Total repayable: £26,000. Cost of credit: £6,000. Your rate depends on your circumstances.

Eligibility requirements

Minimum trading history
4+ months for merchant cash advance; 6+ months for business loan
Minimum turnover
£5,000 per month (merchant cash advance); £10,000 per month (business loan)
Credit requirements
Capify takes a flexible approach to credit assessment, particularly for its merchant cash advance product, where the primary underwriting focus is on monthly card sales volume rather than credit score. Business and personal credit checks are performed. Businesses with mild adverse credit can often still access funding, particularly if card revenue is strong. Active insolvency, very recent registration, or extremely low card sales are the main disqualifiers.

How to apply

1

Check eligibility through Lendus — answer a few questions about your business and funding needs (2 minutes)

2

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3

Review your matched options — see rates, terms, and eligibility from multiple providers including Capify

4

Choose the best offer and complete the application with your matched lender directly

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Pros and cons

Pros

  • Accessible to businesses with imperfect credit or that have been refused by high street banks
  • Dedicated relationship manager approach — more personal service than fully automated online-only lenders
  • Two product types (merchant cash advance and business loan) offer flexibility depending on your payment mix
  • Long track record since 2008 — one of the UK's most experienced merchant cash advance providers
  • No early repayment penalty on either product

Cons

  • Factor rate and short-term loan APRs are high compared to term lenders like Funding Circle — best used for short-term capital needs
  • Minimum advance of £3,500 may not suit businesses needing very small amounts
  • Merchant cash advance only available to businesses with card payment terminals — not suitable for invoice-based B2B businesses
  • Business loan repayments are fixed daily/weekly debits — less flexible than revenue-linked repayments
  • Smaller brand profile than Funding Circle or iwoca — fewer online resources and comparison coverage

Is Capify right for you?

Best for

Retail, hospitality, food service, and service businesses that have been declined by traditional banks and need fast access to working capital based on their card sales history. Particularly useful for businesses wanting a relationship manager to guide them through the process rather than a purely digital, self-serve experience.

Not ideal for

Businesses looking for the lowest possible cost of borrowing, invoice-based B2B businesses without card terminals, or businesses wanting a long-term loan with a competitive fixed rate. Also not ideal for businesses that need funding within hours — Capify's process involves a human relationship manager and typically takes 24 hours or more.

Capify alternatives

If Capify isn't the right fit, consider these alternatives:

Liberis YouLend iwoca

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Frequently asked questions about Capify

Is Capify legit?
Yes, Capify is a legitimate and FCA-regulated UK lender. It is authorised and regulated by the Financial Conduct Authority (FRN: 720390) and registered in England and Wales (Companies House: 07138568). Founded in 2008, Capify has over 15 years of experience in the UK alternative lending market and has provided more than £500 million to approximately 25,000 businesses. It holds a Trustpilot score of 4.6 from over 1,800 reviews.
What are Capify interest rates?
Capify's merchant cash advance product is priced using a factor rate rather than an annual interest rate — typically between 1.1 and 1.5, meaning you repay 10%–50% more than you borrowed in total. The representative factor rate is approximately 1.3. For the business loan product, rates vary significantly by risk profile, with a representative APR of approximately 39.9% — always ask for a personalised quote and compare the total repayable amount.
Can I get Capify with bad credit?
Capify is more flexible than traditional banks when it comes to credit history, particularly for its merchant cash advance product where the focus is on card sales volume. Businesses with minor adverse credit — historic CCJs, low personal credit scores, or previous rejected bank applications — are regularly approved. However, businesses with active insolvency, very recent registration, or extremely poor credit across multiple dimensions are likely to be declined. Capify's relationship manager approach means applications are reviewed with a degree of human judgment rather than purely automated scoring.
How much can I borrow from Capify?
Capify offers merchant cash advances and business loans from £3,500 up to £500,000. The amount you can access depends on your monthly card sales or overall business revenue — for the merchant cash advance, you can typically borrow up to 100%–200% of your average monthly card sales. For the business loan product, the amount is based on broader business revenue and creditworthiness. Most small businesses access between £5,000 and £75,000.
Is Capify FCA regulated?
Yes. Capify Ltd is authorised and regulated by the Financial Conduct Authority under FRN 720390. FCA regulation means Capify must adhere to rules on responsible lending, fair treatment of customers, and clear disclosure of costs. Capify's products are subject to FCA conduct standards, and customers have access to the Financial Ombudsman Service in the event of a complaint.
How long does Capify take to approve?
Capify typically provides a funding decision within 24 hours of receiving a complete application with supporting documents (bank statements or card terminal data). Unlike fully automated lenders, Capify uses a relationship manager to review your application, which adds a personal element to the process. Once approved, funds are usually transferred within 1–3 business days. Applications submitted earlier in the week tend to be processed fastest.
Can I repay Capify early?
Yes, Capify does not charge early repayment penalties on either its merchant cash advance or business loan products. For the merchant cash advance, repaying early means you clear the fixed total amount sooner — the total cost does not change, but your obligation ends earlier, freeing up your cash flow. For the business loan with fixed daily/weekly repayments, early settlement is available and no penalty applies.
Capify vs Liberis — which is better?
Both Capify and Liberis offer merchant cash advances with similar revenue-based repayment structures and factor rate pricing. Liberis has an edge through its embedded partnerships with major payment platforms (Barclaycard, Worldpay), meaning many of its customers receive pre-qualified offers without a cold application — this is more convenient and often faster. Capify's distinguishing feature is its relationship manager model, which provides more personalised support and may be better for businesses that want a human contact throughout the process. For businesses already using Barclaycard or Worldpay, Liberis is typically the easier starting point; for businesses that prefer a guided, relationship-based approach, Capify is worth comparing.

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