Check if you qualify for debt consolidation in seconds

Streamline your business’ liabilities and unlock up to £3,000,000 in as little as 24-48 hours with our secured solution.

*does not affect your credit score

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Noah - Funded £400k

No hidden fees

UK account manager

Personalised & tailored service

Business loans to support your unique business needs

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

Improve Cash Flow

Free up cash by combining multiple repayments into one simple, smaller payment stream.

Accelerate Business Growth

Shift your focus from managing debt to funding new staff, marketing, or expansion projects.

Invest & Upgrade

Stop letting high-interest debts hold you back. Use your savings to update equipment and boost efficiency.

Maintain Strategic Stock

Ensure you have capital for urgent stock or materials, even when managing other business liabilities.

Our Debt Consolidation Product

Explore how our strategic debt consolidation solution is simplifying your finances, freeing up capital to redefine what’s possible for your growing business.

Secured Business Loan

In business, strategic financial planning is everything. When unmanaged debts hold back your growth, waiting for a solution isn't an option. That’s why our Secured Debt Consolidation Loan is designed to quickly streamline your liabilities into one predictable payment. Stop letting multiple repayments slow you down. Get the structured capital you need to simplify your finances and redefine what's possible for your 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.

Key Benefits Of Debt Consolidation

Improved cash flow

Replacing multiple debts with one loan, often with a longer repayment period, reduces monthly outgoings and frees up cash.

Simplified repayment process

Combining various loans into a single capital repayment stream makes it easier for your accounting team, and budgeting becomes more predictable.

Borrow more than in existing lending facilities

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.

Debt Consolidation Process

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.

Assess Your Financial Position

Review all outstanding debts, interest rates, and monthly commitments to understand your overall financial position and determine if consolidation is appropriate.

Select a Consolidation Option

Available options, such as consolidation of business loans ensuring the terms align with your business goals.

Implement & Maintain a Repayment Strategy

Use the chosen solution to repay existing debts ensuring payments are made on time to support long-term financial stability.

Get fast, flexible funding today.

Quick decisions, rapid funding.

Qualify instantly (30 seconds)

Discover your eligibility in no time, with zero hassle.

Get your decision in minutes

Receive a personalised offer designed just for your business.

Funds transferred within 24-48 hours

Once approved, enjoy fast access to your capital.

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, whether it’s same-day unsecured funding or secured loans 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

Over 75% of our customers renew

Frequently asked questions

What is debt consolidation?

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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