Overview of Capify
Capify is a UK business finance provider operating as a direct lender via United Kapital Limited. Registered with Companies House under number 06575165 and authorised by the Financial Conduct Authority (FCA firm reference number 975046), Capify provides funding solutions designed specifically for small and medium-sized enterprises (SMEs) across the United Kingdom.
With a focus on speed and transparency, Capify offers clear repayments with no surprises. Financing decisions are supported by human underwriters rather than just computer algorithms, allowing for a human evaluation of each application.
Eligible UK SMEs can access business funding ranging from £10,000 to £3,000,000, with funds obtainable in as little as 24 hours.
Products Provided by Capify
Capify provides a selection of commercial funding facilities directly to UK business owners and via brokers and partners. While Capify offers several types of finance, its primary specialisms are Business Loans.
The full range of products provided directly by Capify includes:
Business Loans: Commercial funding options to support working capital, expansion, and everyday business expenses.
Asset Finance: Dedicated funding solutions allowing businesses to spread the cost of acquiring vital equipment or machinery.
Hire Purchase: An asset financing solution where the business works toward full ownership of the asset over time.
Asset Refinance / Sale and Leaseback: Capital raising by unlocking equity from existing assets owned by the business.
Commercial Mortgages, Bridging, and Development: Property finance options tailored for acquiring commercial property, securing short-term bridging, or funding property developments.
VAT and Tax Loans: Targeted funding solutions to help businesses manage and spread quarterly VAT or annual corporate tax bills.
Who Capify Suits, Eligibility, and Deal Sizes
Capify is aimed directly at UK SMEs seeking commercial funding. Whether a company needs working capital for day-to-day operations or capital investment to purchase equipment, Capify offers direct access to finance options.
Key details on eligibility and deal parameters include:
Target Audience: UK SMEs across various business sectors.
Deal Sizes: Minimum deal size of £10,000 up to a maximum deal size of £3,000,000.
Sole Traders: Capify does not publish information stating whether sole traders are eligible for their funding.
Eligibility Checking: Applicants can check their eligibility online in 30 seconds, which does not affect their credit score.
Underwriting Process: Application decisions are made by people, not computers.
Funding Speed: Approved businesses can receive funding in as little as 24 hours.
Key Information Summary
Feature | Capify Details |
|---|---|
Provider Type | Lender |
Parent Group | United Kapital Limited |
FCA Firm Reference Number | 975046 |
Companies House Number | 06575165 |
Minimum Deal Size | £10,000 |
Maximum Deal Size | £3,000,000 |
Specialisms | Asset Finance & Business Loans |
Sole Traders | yes |
How Accessed | Via brokers or direct |
How to Access Capify
Capify is accessed directly by business owners submitting an application via the Capify website at https://capify.co.uk/. The process starts with an online eligibility check. Because this initial check does not affect your credit score, business owners can assess their suitability before moving forward with a full application.
Comparing Capify Options with SME Money
Applying directly to Capify is one pathway for obtaining SME funding. However, looking at a single direct lender means you only receive the terms and rates offered by that specific provider. SME Money connects UK businesses with specialist brokers who search over 100 lenders, (including Capify) across the market to find funding tailored to your needs without the bias of a single bank.
Whether your business requires Business Loans, Asset Finance, Invoice Finance, or a Merchant Cash Advance, SME Money helps ensure you explore all relevant options to secure the right solution for your business.