Capify business funding review
Capify offers secured and unsecured business loans to UK small businesses, with risk-based factor pricing described for its unsecured loans. This guide looks at what the official Capify FAQs confirm about eligibility, costs and repayment, so business owners can compare the details properly.
By Funding Fred · Sources checked 18 September 2026
Our enquiry compares selected Funding Fred partners. It is not an application directly to Capify. Funding Fred is an introducer, not a lender.
Potential fit
Who could consider Capify?
- Businesses with at least 12 months of trading history who can evidence ongoing turnover through bank statements.
- Businesses generating consistent monthly turnover that meets the provider's stated minimum threshold.
- Business owners willing to provide a personal guarantee and, for a secured loan, asset security as well.
Worth weighing up
When to consider other options
- Newer businesses that haven't yet reached the minimum trading history Capify asks for.
- Owners who want to avoid a personal guarantee entirely, including on unsecured products.
- Businesses that need clarity on total repayment cost before committing, since a factor rate isn't the same as an APR and the two shouldn't be compared directly.
Understand the offer
Costs and repayments
Capify describes factor-rate pricing for its unsecured business loans. This means the total repayment figure is set as a fixed cost on top of the amount borrowed, calculated according to the provider's own risk assessment of the business. Because a factor rate is not the same calculation method as an APR, it cannot be reliably compared to bank loan pricing without converting both offers into like-for-like total cost figures.
Alongside the factor rate, the FAQs confirm origination and processing fees form part of the cost structure. These are separate charges from the factor rate itself, so the full cost of borrowing includes both elements. Anyone reviewing an offer should ask for a complete breakdown of every fee, not just the headline rate.
Repayments are collected on a daily or weekly basis, depending on the agreement. Published information doesn't consistently confirm which schedule applies by default, so business owners should treat this as a point to confirm directly with Capify before signing anything. The repayment schedule affects daily cash flow materially, so it's worth checking the exact collection frequency, the collection method and what happens if a payment is missed, in writing, before proceeding.
Eligibility and application
Capify's published criteria require at least 12 months of trading history and a minimum level of monthly turnover. Applicants are asked to provide business bank statements and identification as part of the initial assessment. Beyond this, the FAQs confirm that a full application proceeds to credit checks, meaning the early evidence review is not the final word on approval.
The FAQs publish loan ranges and a minimum monthly turnover of £10,000. Business owners should confirm current sector eligibility and their own available amount directly with Capify, then read the written offer rather than assume the advertised maximum applies.
Advantages to weigh up
- Capify distinguishes clearly between asset-backed secured loans and unsecured loans supported by a guarantee, which helps applicants understand which structure they're being offered.
- The assessment process is based on trading evidence such as bank statements, rather than relying solely on a credit score at the initial stage.
- Both secured and unsecured routes are available, giving businesses more than one structure to weigh against their asset position and risk appetite.
Limitations to understand
- A personal guarantee is required, which carries personal financial risk if the business cannot repay as agreed.
- Pricing uses a factor rate plus separate origination and processing fees, so the total cost isn't visible from a single headline figure.
- Repayment frequency (daily or weekly) isn't fixed across all published descriptions, so it needs confirming for each specific offer.
Look at the wider picture
Comparing the alternatives
Before accepting any offer, it's worth lining up the total repayment figure, the fee structure, the guarantee requirement and the repayment schedule from more than one lender. A factor-rate loan, an asset finance agreement, and a sales-based advance are structured differently, so a fair comparison means matching like-for-like terms rather than comparing a single number in isolation. Reading the business loans overview is a useful starting point for understanding how these structures differ before requesting quotes.
For a broader look at how secured lending works against unsecured options, the guide to secured business loans in the UK explains the trade-offs in more depth. The business loans blog and the dedicated piece on how to compare business loans in the UK both set out the questions worth asking any provider, Capify included, before signing a funding agreement.
Fleximize
Flexiloan and Flexiloan Lite
Flexiloan: 12–60 months; 12 months trading required.
Read reviewProduct features checked against each provider’s UK website. These are comparison pointers, not a price ranking or a promise of eligibility.
Your Capify questions, answered
Costs, eligibility and the details to check before applying.
How we put this guide together
This is a review of published UK product information, not a customer experience or a hands-on test. We have not assigned a star rating. This guide focuses on Capify — Small business loans. Other products may have different terms.
Sources checked 18 September 2026. Your written offer determines your actual costs and conditions.
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