If you’re looking for a loan to support your business’s cash flow – we can help. Apply for a loan of between £10,000 and £3,000,000.
Check your eligibility online in just two minutes, with no impact on your credit score, and you could receive your funds in as little as 24 hours.
With no impact on your credit rating
Cash flow loans help UK SMEs bridge the gap when unexpected costs, operational disruptions, or delayed income put pressure on the business. After a turbulent few years for many SMEs, having fast access to working capital has never been more important. In turn, ensuring your cash flow is sufficient can be the difference between growth and shifting into survival mode.
Capify has provided loans to thousands of UK SMEs needing extra funds to manage working capital or cover any business need, from maintaining day-to-day operations to funding expansion.
Loans are available from £10,000 to £3,000,000, whether you need finance to see your business through a challenging period or capital to fuel growth.
Capify’s finance solutions aim to alleviate the potentially crippling cash crisis and provide a much-needed lifeline for businesses struggling with increasingly challenging conditions.
Businesses with ambitions to expand or invest in new equipment, facilities or technologies can access these loans. Funding of between £10,000 to £3,000,000 is available to SMEs.
We’re seeing increasing demand from SMEs across all sectors, and we expect this to continue as economic conditions tighten and traditional banking further restricts its lending to smaller business.
Cash flow is the lifeblood of your business. Our Cash Flow assets help you understand what drives money in and out, what causes cash flow problems, and how to track your financial position easily.
The Cash Flow Hub has several guides which help you to get your cash flow under control, improve forecasting, maintain a healthy cash flow and use better data to strengthen cash flow performance.
We’ve simplified the process to help your business access the funding it needs without putting pressure on cash flow.
Simple application with no credit check for pre-approvals.
Get verified and approved quickly with minimum docs.
Receive a solution tailored to fit your business needs.
Get cash straight into your account within 24 hours.
Check out our customer reviews
A cash flow loan is a short-term funding solution designed to provide access to capital to ensure that your small business’s finances stay on track despite any unexpected costs, disruption or delayed income.
Businesses can use a Cash Flow Loan for a range of things. You could use it to bridge the gap when unexpected costs, operational disruptions, or delayed income hit your business and you need to keep things moving.
The timeframe depends on the complexity of the application and supporting information provided. Lenders design Cash Flow Loans to provide faster access to funding than many traditional lending solutions.
Most of our cash flow loans are unsecured, meaning you don’t need to put up physical assets like property to secure the funds. Approval is based on your business’s revenue and future cash flow rather than traditional asset backing. We do also offer secured loans for those that want them. These usually have a cheaper rate due to them being secured against property.
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.
