Streamline your business’ liabilities and unlock up to £3,000,000 in as little as 24-48 hours with our secured solution.
No hidden fees
UK account manager
Personalised & tailored service
Secure a loan up to £3,000,000 giving you the financial flexibility to…
Free up cash by combining multiple repayments into one simple, smaller payment stream.
Shift your focus from managing debt to funding new staff, marketing, or expansion projects.
Stop letting high-interest debts hold you back. Use your savings to update equipment and boost efficiency.
Ensure you have capital for urgent stock or materials, even when managing other business liabilities.
Explore how our strategic debt consolidation solution is simplifying your finances, freeing up capital to redefine what’s possible for your growing business.
Get up to £3,000,000 with the speed and flexibility your business needs, whether it’s same-day unsecured funding or secured loans within 48 hours.
Replacing multiple debts with one loan, often with a longer repayment period, reduces monthly outgoings and frees up cash.
Combining various loans into a single capital repayment stream makes it easier for your accounting team, and budgeting becomes more predictable.
A debt consolidation may also offer capital borrowing beyond what’s required to pay off existing debts, depending on the provider, with manageable repayments over a longer period.
Businesses need extra cash to grow and expand, but repayments can sometimes be difficult to manage, depending on the terms and timescales. If you’re currently managing a few debts, consolidating them can make repayments cheaper and clear debts faster.
Review all outstanding debts, interest rates, and monthly commitments to understand your overall financial position and determine if consolidation is appropriate.
Available options, such as consolidation of business loans ensuring the terms align with your business goals.
Use the chosen solution to repay existing debts ensuring payments are made on time to support long-term financial stability.
Discover your eligibility in no time, with zero hassle.
Receive a personalised offer designed just for your business.
Once approved, enjoy fast access to your capital.
In today’s dynamic market, access to flexible, fast, and reliable funding is crucial. At Capify, we specialise in providing lightning quick tailored funding solutions that empower businesses to grow, adapt, and seize new opportunities. With Capify, you won’t have to wait weeks for funding, you can get funded on the same day.
A quick, straightforward process that gets you going in seconds.
Access your funds swiftly upon approval, with the flexibility to top up as your needs grow.
Repay on your terms, with no penalties for settling early.
Personalised support, tailored to your business
We’re truly passionate about helping businesses succeed. When you choose to borrow from us, you’ll have the unwavering support of a dedicated, highly-trained Account Manager, always ready to assist.
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Get up to £3,000,000 with the speed and flexibility your business needs, whether it’s same-day unsecured funding or secured loans within 48 hours.
We founded Capify in 2008 to support UK businesses facing funding challenges during the financial crisis.
With over 20 years of experience and more than £1.2 billion funded, we provide straightforward, responsible financing solutions to help UK & Australian businesses thrive.
Debt consolidation is a financial strategy that involves combining multiple debts such as or other liabilities into a single loan or repayment plan. This approach simplifies financial management by reducing multiple payments into one, often with a more favorable interest rate or structured repayment terms.
Debt consolidation works by replacing several existing debts with one new loan or credit facility. The proceeds of the new loan are used to pay off the outstanding balances, leaving the borrower with a single monthly repayment. Depending on the terms, this may reduce overall interest costs or extend the repayment period.
Debt consolidation can have both positive and negative impacts on your credit score. In the short term, applying for new credit may cause a temporary decrease. However, over time, consistent and timely repayments can improve your credit profile by reducing credit utilisation and demonstrating responsible financial behavior.
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Browse and compare every loan product we offer
Flexible funding from £10,000 to £3,000,000
No assets required as collateral
Lower rates when backed by business assets
Options available even with a poor credit history
Funds deposited within 24 hours of approval
Repay in 3–12 months with manageable terms
Keep day-to-day operations running smoothly
Bridge gaps between invoicing and payments
Pay suppliers on time and protect relationships
Spread the cost of your VAT bill over monthly payments
Combine multiple debts into one manageable repayment
Replace existing finance with better terms
Fund equipment, vehicles and machinery purchases
Short-term property finance while you arrange long-term funding
Purchase or refinance commercial property
Side-by-side comparison of every finance option
Understand what we look for before you apply
Estimate your monthly repayments instantly
Our simple application process explained
Comprehensive guides covering every type of business finance available in the UK.
Practical tips and strategies to manage and improve your business cash flow.
Estimate monthly repayments and total costs for different loan amounts and terms.
Answers to the most common questions about business finance and eligibility.
Tailored funding solutions for high-street and online retailers.
Finance options designed for bulk purchasing and distribution businesses.
Funding for pubs, restaurants, hotels, and leisure operators.
Project-based and asset finance for construction and trades firms.
Equipment finance and working capital for UK manufacturers.
Specialist finance for care homes, GP surgeries, and health sector operators.
Quarterly reports tracking SME sentiment, lending trends, and economic outlook.
Actionable insights and case studies to help your business grow faster.
Latest news, expert opinions, and practical advice for UK business owners.
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