Looking to compare Capify with other UK funding providers?

YouLend, 365 Finance, iwoca, Funding Circle and Fleximize sit beside Capify on our panel. YouLend advances up to £2,000,000 repaid from daily card takings; 365 Finance writes a card-split advance of £10,000 to £500,000 from six months of trading; iwoca runs a facility of £1,000 to £1,000,000 held for up to five years; Funding Circle a fixed-term loan of £10,000 to £750,000 over six months to six years; and Fleximize its Flexiloan of £10,000 to £500,000 unsecured over 3 to 60 months. All read on the lenders’ own sites on 9 September 2026.

Capify’s direct site on 9 September 2026 lists unsecured loans of £10,000 to £3,000,000 and secured loans of £50,000 to £3,000,000, repaid in fixed daily or weekly instalments over 3 to 24 months, for registered UK businesses with 12 months of trading and monthly turnover of £10,000. A personal guarantee is required on every product, usually from the majority shareholder or a combination of shareholders. It also lists cash flow loans, bridging, commercial mortgages, asset finance and a supplier invoice payment facility repaid over 30, 60 or 90 days.

Both are repaid on a schedule; the differences are term and structure. Capify’s loans of £10,000 to £3,000,000 are repaid in fixed daily or weekly instalments over 3 to 24 months. iwoca’s Flexi-Loan is a facility of £1,000 to £1,000,000 held for up to five years, repaid weekly or monthly, that can be drawn again once a third of a 12-month loan is repaid. Capify’s card-split advance, repaid as a share of daily takings, appears on its broker page at up to £500,000. Cash flow decides which pattern a business can carry.

Enquiring does not affect your credit score. A search on your file is run by a lender only when you proceed with an application to it, with your consent, and by then the case has already been matched against that lender’s published criteria. Capify states that it pulls its own credit check only when it is ready to submit the application.

You can apply to Capify directly. Comparing through us means one enquiry is matched against Capify and the rest of the panel on their published criteria, and the offers that come back are set side by side for you to choose between. CapExpand is a credit broker, not a lender. If a deal completes the lender pays us; nothing is charged to you.

Our unsecured panel currently holds 55 lenders, part of 200+ lenders across all products, and the full roster is published on our lender directory at capexpand.com/business-funding/lenders. One enquiry is checked against the lot; we approach only the lenders whose criteria you fit, which protects your credit file. Figures checked September 2026 and panel composition changes over time.

Capify is a trading name licensed to United Kapital Limited (06575165), incorporated 24 April 2008, and to Capify Limited (10183728), incorporated 17 May 2016, both read at Companies House on 8 September 2026. Capify says it has funded UK businesses since 2008. Lending to a limited company sits outside the regulated credit regime, and any firm’s entry on the Financial Services Register can be read at register.fca.org.uk.

In fixed daily or weekly instalments over 3 to 24 months on the small business and cash flow loans (capify.co.uk, 9 September 2026), so the amount leaving the account does not move with trade. The supplier invoice payment facility is repaid over 30, 60 or 90 days on the same pattern. The card-split advance, repaid as a percentage of daily card takings, is described on Capify’s broker page dated 17 August 2026 at up to £500,000. Capify refinances a competitor facility only once more than half of it is repaid, and settles that lender rather than running alongside it.