Business loan declined by Capify, what next?

Why this triggers a decline

Capify's public floor is 6+ months trading and £10,000 per month in card or bank turnover for a Ltd company. Common decline drivers in order of frequency: card flow under £10k a month, sub-6-month trading, multiple unsatisfied CCJs over £5,000, an active winding-up petition or HMRC enforcement action, sector exclusions (gambling, adult, regulated financial services), and prior conduct issues on a previous Capify facility.

Alternatives that work

• 365 Business Finance for slightly different MCA underwriting on the same card-flow profile
• Liberis for retail and hospitality card-flow MCA
• YouLend for marketplace and gateway flow (Amazon, Shopify, eBay)
• Asset finance against specific equipment where the asset is the security
• Specialist post-decline lenders for harder CCJ or HMRC cases

Lenders we route to

• 365 Business Finance (case-by-case on CCJ and HMRC arrears)
• Liberis (card-flow MCA, retail and hospitality)
• YouLend (marketplace and gateway flow)
• Bizcap (specialist post-decline)
• JPM Capital (specialist post-decline)

What to do first

1. Request the Capify decline reason in writing; their account manager will usually state it on a call.
2. If the issue is card-flow volume, build 60 to 90 days of stronger card history before reapplying.
3. If the issue is HMRC arrears, set up a Time to Pay arrangement and document it before approaching alternatives.
4. If the issue is a recent CCJ, route to a specialist post-decline lender via the FundBiz matcher rather than reapplying to mainstream MCA.
5. Check whether the issue is sector; Capify's sector list is firm and not appealable.

Not for

Active winding-up petitions, undischarged IVA, or sole-trader applicants (FundBiz is Ltd-only). Those are restructuring or specialist-counsel cases, not post-decline matcher cases.