Business Loans for Fast Working Capital in seconds

Unlock your business’s growth and get from £10,000 to £3,000,000 in as little as 48 hours.

*does not affect your credit score

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No hidden fees

UK account manager

Personalised & tailored service

Working Capital loans to support your unique business needs

Secure a loan from £10,000 to £3,000,000 giving you the financial flexibility to…

Improve cash flow

Pay your taxes, bills or suppliers with ease regardless of seasonality or unpaid invoices.

Scale for growth

Hire more staff, invest in marketing or open a new store! Whatever your goals, we can help you reach them.

Upgrade your business

Improve your equipment, train your team - invest in your business and improve efficiency!

Purchase stock or materials

Buy stock, materials or new equipment urgently needed to get your projects completed on time.

Fast Working Capital Business Loans

At higher funding levels, decisions depend on a clear understanding of the business, its structure, and its growth plans. This type of funding is typically suited to mature UK companies with an established trading history and annual turnover of around £1.6m or more.

We do not reply on generic lending models. As long as your business meets our basic eligibilty, we may be able to provide higher funding amounts than traditional lenders.

As a direct lender our higher value facilities range from £10,000 to £3,000,000. Our senior team will support you through the entire process.

Hours To Fund: 48 Hours!

Solutions For Every
Business Stage

Custom Solutions for Small Business

When you need access to fast funding from £10,000 to £75,000.
Explore The Options

Taking the Next Step In Growth

When you business is looking for £75,000 to £150,000 to make the next big step.
Expore The Options

Strategic Funding For Established Businesses

For businesses that have larger, complex funding requirements over £150,000.
Explore The Options

Get up to £3,000,000 with the speed and flexibility your business needs, get funding within 48 hours.

How it works

Partnering with You, Every Step of the Way

All enquiries are 100% confidential and handled by a senior funding specialist.

Initial consultation

Submit basic details to assess your business suitability online.

Structuring your solution

Work with your assigned senior funding specialist to complete the full business case application.

Partnership & Funding

Our approval process is streamlined to allow approval and funding in days rather than weeks or months.

Partnership & Growth

Your funding specialist will regularly review your funding needs to ensure that our partnership delivers the ongoing support you business needs.

More and more businesses are turning to Capify for their funding needs

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.

Simple application

A quick, straightforward process that gets you going in seconds.

Same day funding

Access your funds swiftly upon approval, with the flexibility to top up as your needs grow.

No early repayment fees

Repay on your terms, with no penalties for settling early.

Every business is unique and so is our approach

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.

Don't just take our word for it...

Check out our customer reviews

Get up to £3,000,000 with the speed and flexibility your business needs,  funding  within 48 hours.

A history of funding businesses across the globe

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.

Funded over 
£1.2 billion

Supported over 20,000 businesses

On average, our customers renew their contracts 3 times.

We’ll give you a call

Just let us know your details and we’ll give you a call right away

Call us or Apply Online

A Funding Specialist will guide you 
every step of the way

All Business Loans

Browse and compare every loan product we offer

Small Business Loans

Flexible funding from £10,000 to £3,000,000

Unsecured Business Loans

No assets required as collateral

Secured Business Loans

Lower rates when backed by business assets

Bad Credit Business Loans

Options available even with a poor credit history

Fast/Same-Day Business Loans

Funds deposited within 24 hours of approval

Short-Term Business Loans

Repay in 3–12 months with manageable terms

Working Capital Loans

Keep day-to-day operations running smoothly

Cash Flow Loans

Bridge gaps between invoicing and payments

Supplier Invoice Payments

Pay suppliers on time and protect relationships

VAT Finance

Spread the cost of your VAT bill over monthly payments

Managing Existing Borrowing

Debt Consolidation

Combine multiple debts into one manageable repayment

Debt Refinancing

Replace existing finance with better terms

Asset Finance

Fund equipment, vehicles and machinery purchases

Bridging Loans

Short-term property finance while you arrange long-term funding

Commercial Mortgages

Purchase or refinance commercial property

Help Me Choose

Compare All Business Finance

Side-by-side comparison of every finance option

Eligibility Criteria

Understand what we look for before you apply

Loan Calculator

Estimate your monthly repayments instantly

How It Works

Our simple application process explained

Finance Info Hub

Comprehensive guides covering every type of business finance available in the UK.

Cash Flow Hub

Practical tips and strategies to manage and improve your business cash flow.

Loan Calculator

Estimate monthly repayments and total costs for different loan amounts and terms.

FAQs

Answers to the most common questions about business finance and eligibility.

Retail Business Finance

Tailored funding solutions for high-street and online retailers.

Wholesale Business Finance

Finance options designed for bulk purchasing and distribution businesses.

Hospitality Business Finance

Funding for pubs, restaurants, hotels, and leisure operators.

Construction Business Finance

Project-based and asset finance for construction and trades firms.

Manufacturing Business Finance

Equipment finance and working capital for UK manufacturers.

Health and Care Homes Finance

Specialist finance for care homes, GP surgeries, and health sector operators.

Confidence Reports

Quarterly reports tracking SME sentiment, lending trends, and economic outlook.

Business Booster Hub

Actionable insights and case studies to help your business grow faster.

Blog

Latest news, expert opinions, and practical advice for UK business owners.

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