Capify is a business finance company based in Manchester, specialising in Merchant Cash Advances and business loans with flexible repayments. Founded in 2008, Capify was one of the first UK finance companies to offer a Merchant Cash Advance to British businesses. Capify finance is designed to improve cash flow and working capital in the short term, or pay for specific business improvements and expenses.
Capify Business Loans & Finance
Merchant Cash Advance
This finance is designed for businesses accepting payments through a card terminal, including retailers, restaurants, cafes, hotels, salons, and garages. You can raise £5,000 to over £500,000 for business upgrades and improvements. Repayment will be taken as a percentage of your customers’ card payments.
Business Loan
Finance for businesses that have been trading for more than 12 months and do not accept payments through a card terminal. You can raise business loans from £5,000 with repayments on a flexible basis allowing you to pay little and often regularly daily or weekly and no monthly lump sum.
Capify Reviews and Ratings
Capify has a good presence on three popular review sites. Trustpilot reviews are very positive, with 85% of reviewers rating their service ‘Excellent’. Current customers think their service was efficient with many account managers ‘going the extra mile’ for them.
Google ratings are also positive on the whole. There are only a couple of comments on Smart Money People – one customer found the process to be easy with simple and clear terms, while the other thought it was more complex.
Trustpilot – 3.8/5 (based on 345 reviews)
Google Reviews – 3.1/5 (based on 54 reviews)
Reviews.co.uk – no reviews
Smart Money People – 4.64/5 (based on 28 reviews)
Pros
- Short-term finance, which is good for fast cash and fast repayments.
- ‘Little and often’ repayments.
- Great reviews on the whole.
Cons
- Not suitable for long-term lending.
- Repayments aren’t fixed, which some businesses wouldn’t be comfortable with.
Website: Capify Business Finance