Merchant Cash Advance·12 min read·1 September 2026

Capify Review UK 2026: The Cash Advance Quietly Disappeared

By the CapExpand team

Reviewed by Alex Beardsley, Founder · UK commercial finance introducer

The short answer

Capify sat on every merchant cash advance shortlist for years, including ours. In 2026 those shortlists are out of date: the MCA is gone from Capify's own site, and its flagship is now a fixed-repayment small business loan of £10,000 to £3 million. Capify has quietly become a loans shop, and most pages ranking for “Capify merchant cash advance” have not noticed.

MCA status

No longer on its site

Loan range

£10,000 – £3,000,000

Min trading

12 months

Min turnover

£10,000 / month

Speed

Approval same day, funds ~24–48h

Trustpilot

4.7 · 725 reviews

Capify's own published business-loan criteria and Trustpilot, checked 1 September 2026.

A good fit if

A credit file with a scar or two that automated lenders keep declining
Established trade: 12+ months and £10,000+ a month
You want fixed repayments and a named human on the phone
Repeat borrowing: renewals are the house speciality

Look elsewhere if

You specifically want repayments that track card takings: that product is gone here
Under 12 months trading or under £10,000 a month
A clean profile chasing the cheapest fixed-term money
You dislike marketing calls: it is the recurring review complaint

The underwriting culture that made Capify the second-chance name survived the pivot: a human look at the whole business, tolerance for imperfect credit, and customers who renew three times on average by Capify's own count. This review covers what the company sells now, on its published terms as of 1 September 2026.

Who Capify are

The brand sits on two companies named in its own footer: United Kapital Limited (Companies House 06575165, incorporated April 2008) and Capify UK Limited (10183728), run from Altrincham in Greater Manchester rather than a London postcode. The 2008 start makes Capify a survivor of every UK small business credit cycle since the financial crisis, which is rarer than it sounds; most of its 2010s peers no longer exist.

The published scale claims: over £1.2 billion funded and more than 20,000 businesses supported. The balance sheet behind the lending has institutional weight, with a £100 million credit facility from Pollen Street Capital following an earlier £75 million facility from Goldman Sachs. Like most commercial lenders to limited companies, Capify's site carries no FCA authorisation statement; the products live outside the regulated perimeter, so the agreement you sign is the protection you get.

The merchant cash advance that vanished

Here is what we found when we checked the site on 1 September 2026, because it contradicts most of what ranks in search. Capify's page sitemap lists no URL containing “merchant” or “cash-advance”. The merchant-loans product page returns HTTP 410, the status a site uses to say a page is gone on purpose. The legacy cash-advance addresses now serve content about a different product entirely, Capify's supplier invoice payment facility. The homepage product menu runs from small business loans through secured loans, cash flow loans, bridging, commercial mortgages and asset finance without an MCA in sight.

Meanwhile, search results and comparison roundups still describe a Capify merchant cash advance repaid as a slice of card sales, some quoting ranges up to £1 million. Those pages are describing a product the lender no longer markets. We flag it this bluntly because wasted applications have a real cost: a business that wants a card-split advance and applies to Capify on the strength of a stale roundup will be offered a fixed-repayment loan instead, and a business that wanted fixed repayments all along should be comparing Capify against loan lenders, not against YouLend.

If the card-split shape is the thing you need, the providers still writing it in 2026 are listed with their criteria on our MCA lender hub.

What Capify sells now

The flagship is the small business loan: £10,000 to £3,000,000, unsecured first, secured available, on terms from around 3 months and up to 2 years for secured deals. Published eligibility is more than 12 months trading and at least £10,000 a month in turnover. Repayment is the important difference from the old product: fixed, regular, small instalments on a schedule, whatever your card machine did that week. Capify describes the pace as easy on cash flow, and dense small repayments do sting less than a monthly lump, but a fixed schedule is still a fixed schedule.

Speed claims are aggressive and specific: conditional approval in about 60 seconds, same-day approvals, funding possible in 24 hours. Trustpilot accounts from this summer describe money arriving within roughly 48 hours of finishing the paperwork, which is the figure we would plan around. Rates are not published anywhere on the loan pages, so treat any third-party site quoting a Capify APR with suspicion; the price arrives with the offer.

The one product with published pricing

Capify deserves credit for an unusual act of transparency on its supplier invoice payment facility, the product now living at its old cash-advance web addresses. It pays your supplier invoices up front and you repay Capify over 30, 60 or 90 days. The fee table is public: 4% of the invoice for a 30-day term with daily repayments, or 5% weekly; 8% or 10% over 60 days; 12% or 15% over 90 days; plus a processing fee per facility and per invoice.

Published pricing is so rare in this market that it is worth pausing on. Annualised, a 4% fee for 30 days of money is serious interest, and stacking 90-day terms at 15% would be punishing; this is a tool for bridging a specific stock purchase into a specific selling season, not a rolling habit. But you can at least do that arithmetic before applying, which is more than any factor-rate product lets you do. Our stock and inventory funding guide covers when invoice-timed borrowing beats a lump sum.

What 725 Trustpilot reviews show

Capify holds 4.7 out of 5 from 725 Trustpilot reviews as of 1 September 2026, with 87% five-star and 8% one-star. The praise reads like the praise for every good lender in this market: named account managers who walk owners through the process, funds inside 48 hours, professionalism from application to payout. The renewal statistic shows up in the reviews as repeat customers on their third or fourth facility.

The complaint tail has two distinct flavours. One is persistent sales contact, including reviewers this year describing repeated marketing calls and an automated dialler that kept ringing after they asked it to stop. The other is document friction: applicants describing rounds of paperwork requests that ended in a refusal anyway. Neither theme touches the core lending experience, but both are worth knowing before you hand over a phone number you care about.

Who Capify suits in 2026

The profile that fits is a business past its first year, doing £10,000 or more a month, whose credit history has a scar or two that automated underwriting keeps tripping over. Capify's second-look culture survived the product pivot, and for a single satisfied CCJ or a rough patch two years back, a human reading the file still beats an algorithm declining it. It also fits businesses that want fixed repayments and a fast decision without a high-street bank's timeline, and owners who value a phone relationship: the account manager experience in the reviews is consistently the thing people name.

The renewal-heavy model works both ways. It signals customers happy enough to come back three times; it also means the easiest sale Capify will ever make is your next facility, so decide each renewal on its numbers rather than its convenience.

When Capify is not the right answer

You specifically want repayments that track your card takings. That product is no longer on Capify's shelf. The card-split market in 2026 is YouLend, 365 Finance and Liberis, compared on our hub.

You are under 12 months trading or under £10,000 a month. Both floors are published and both are real. Younger or smaller businesses get further with YouLend's lower observed entry point or with the routes in our bad-credit funding guide.

Price is your only criterion and your profile is clean. A strong file opens doors at lenders whose whole pitch is cheap fixed-term money; our colleagues' reviews of Funding Circle and iwoca are the place to start. Capify's value is flexibility on the file, and flexibility is never the cheapest thing on the menu.

Frequently asked questions

Not on its own website. As of 1 September 2026 Capify’s page sitemap contains no merchant cash advance pages, the old merchant-loans URL returns a gone response, and legacy MCA addresses now serve content about its supplier invoice payment product. Its product list leads with small business loans. Older comparison pages still describe a Capify MCA repaid from card sales; that description no longer matches the live site. If the card-split shape is what you want, the lenders still writing it are on our MCA hub.

The published small business loan range is £10,000 to £3,000,000, unsecured as the primary offering with secured lending also available. Eligibility on Capify’s own criteria: more than 12 months trading and at least £10,000 a month in turnover. Terms run short, from around 3 months, with up to 2 years for secured deals.

Not published for the loan products. The business loan pages describe pricing as competitive and quote no APR or factor rate, so the price arrives with your offer. The exception is the supplier invoice payment facility, where Capify publishes the fee table: 4% for a 30-day term with daily repayments (5% weekly), 8% or 10% for 60 days, and 12% or 15% for 90 days, plus a processing fee per facility and per invoice.

The published claims are conditional approval in about 60 seconds, same-day approvals, and funding possible within 24 hours. Recent Trustpilot reviews describe funds arriving within about 48 hours of completing the process, which is the pace we would treat as realistic for a clean application.

A bumpy credit file is not an automatic decline. Capify has run a bad-credit loans page for years and its underwriting has a reputation for looking at the whole business rather than a single old judgment. The floor criteria still apply: 12 months trading and £10,000 a month in turnover. Below those, the honest answer is that no amount of credit flexibility helps, and our page on funding after a decline covers the alternatives.

Capify’s site footer names the companies behind the brand, United Kapital Limited and Capify UK Limited, and carries no FCA authorisation statement. Unsecured commercial lending to limited companies sits largely outside FCA regulation, so this is common in the sector. It does mean the protections around a Capify facility are contractual, which makes reading the agreement, and the personal guarantee within it, the important step.

They now sell different shapes of money. YouLend and 365 Finance write card-split advances where repayments track your takings day by day. Capify’s current products repay on a fixed schedule regardless of how trade went. Fixed repayments usually cost less on a like-for-like total and suit steady revenue; the card split costs more and suits volatile revenue. Which is right depends on how lumpy your takings are, not on which brand is better.

Not sure which shape of funding fits?

Tell us your monthly takings and what the money is for. We will tell you whether a card-split advance or a fixed-term product fits better, and introduce you to the lenders on our panel that match. The lender pays us; you pay nothing. All offers subject to lender approval.

Check your options

Sources and method

This review is compiled from Capify's own published pages, its Companies House records, trade press and Trustpilot, all read on 1 September 2026, and sits on the same quarterly refresh cycle as the rest of our lender hub. If Capify relaunches an MCA or changes its published criteria, this page changes.

Capify official site (capify.co.uk): homepage, business loans page and FAQ pages, read 1 September 2026
Capify page sitemap (capify.co.uk/page-sitemap.xml), checked 1 September 2026, containing no merchant cash advance URLs
Legacy Capify MCA URLs checked 1 September 2026: /finance/merchant-loans/ returning HTTP 410, /cash-advance/ and related addresses serving supplier invoice payment content
United Kapital Limited, Companies House 06575165, incorporated 24 April 2008; Capify UK Limited, Companies House 10183728
Capify published scale claims: over £1.2 billion funded, 20,000+ businesses supported, customers renewing 3 times on average (homepage)
Trade press coverage of Capify’s £100m credit facility from Pollen Street Capital, following an earlier £75m Goldman Sachs facility (Fintech Futures; Leasing Life)
Trustpilot review pages for Capify (uk.trustpilot.com/review/capify.co.uk), 1 September 2026