Capify

Panel MCA specialist we route to for hospitality, retail and salon Ltds with strong card-machine flow, including post-decline files where credit history blocks a Funding Circle or iwoca term loan. Comfortable with sub-12-month trading where 6+ months of card history exists. Same-day decisions and funding make this our default first move when the file is card-flow-led rather than balance-sheet-led.

Quick routing verdict

  • Product: Merchant cash advance + term loan.
  • Ticket band: £3.5k to £500k.
  • Decision time: Same day.
  • Pricing: Factor rate 1.15 to 1.45.
  • Soft search at quote stage: no credit-file footprint.
  • FCA-authorised.

At a glance

Legal entity
Capify Limited
Companies House
10183728
Founded
2013
Product
Merchant cash advance + term loan
Ticket range
£3.5k to £500k
Decision time
Same day
Ltd-only
Lender accepts other structures, FundBiz routing is Ltd-only
Last reviewed
2026-06-12

Why we route here

  • Repayments scale with daily card sales, which we match to seasonal applicants who cannot service a fixed monthly burden.
  • More accommodating on credit history than mainstream term-loan lenders, which is why declined-by-Funding-Circle files often route here first.
  • Same-day decisions and funding, which matters for HMRC pressure and supplier-pay deadlines.
  • Specialism in hospitality and retail, so SIC-code routing in the matcher leans heavily on Capify for those verticals.

When we route elsewhere

  • Factor rate disguises true APR, which we translate at matcher stage so the applicant sees the all-in cost.
  • Tied to card-machine sales, so B2B service Ltds with no card terminal route to invoice finance or asset finance instead.
  • Daily repayment model can pinch cashflow for seasonal businesses, route to a Funding Circle term loan if monthly is essential.
  • Bad fit for £100k+ tickets where the applicant has the trading history for cheaper money, route to Allica or OakNorth instead.

Best fit applicants

  • Hospitality, retail and salon Ltds with strong card-machine flow
  • Post-decline files where mainstream term lenders blocked on credit history
  • Sub-12-month trading Ltds with 6+ months of card history

Where Capify is the wrong fit

  • B2B Ltds with no card flow, route to invoice finance or asset finance
  • £100k+ established Ltds with clean credit, route to Allica or OakNorth
  • Pre-revenue applicants, route to Start Up Loans Company

If declined by Capify

If your application to Capify is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Capify decline runbook for sector-specific routing detail, and our side-by-side guide to Capify alternatives for the closest UK specialty finance providers.

Other panel lenders

Editorial reviews

For independent editorial reviews of Capify and the wider UK SMB lending market, see our sister site BestBusinessLoans.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Capify and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

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Last reviewed: 2026-06-12. By Oliver Mackman.

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Soft credit search · Decision in 24-72 hours · Limited companies, LLPs and partnerships of 4+