Structured
Funding For
UK Businesses

When your business needs £150,000 to £3,000,000+ for growth, acquisition, or expansion we arrange funding through a structured consultation process built for your needs

Start Funding Enquiry

We secured £320,000 to expand our production facility. They moved faster than any lender we've worked with.

Senior Funding Specialists

Built Around Your Business

Access To Larger Funding

Funding at a level that matches established businesses

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.

A dedicated senior finance specialist

Your business relationship will be matched to a senior funding specialist who understands complex requirements and long term planning.

Bespoke Business Funding Solutions

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.

Direct Access to Higher Value Lending

As a direct lender our higher value facilities range from £150,000 to £3,000,000. Our senior team will support you through the entire process.

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.

Strategic capital for your next chapter

High - value funding for UK Limited Companies

As long as basic criteria are met, we are often able to provide substantial funding across a wide range of business requirements. Our approach allows us to consider established UK Limited companies using capital for varied commercial purposes, without restricting funding to narrow or predefined use cases.

We regularly provide funding between £150,000 and £3,000,000 to established UK Limited companies, including those with complex or non-standard credit histories, with decisions handled promptly and without complex approvals.

Funding to support ownership changes without disrupting the business. We work closely with management to structure funding around the transaction and move it forward efficiently.

Capital to support the acquisition of another business or strategic asset. We structure funding around the deal and work to keep momentum through to completion.

Funding for the purchase of high-value business assets or commercial property. We focus on the asset, the business performance, and the funding requirement to progress matters without unnecessary delay.

Capital to support large-scale investment in systems, equipment, or operational capability. We take a practical view of the investment and structure funding to support delivery. Once scope and costs are agreed, progression is kept straightforward.

Funding to simplify existing debt arrangements or improve overall funding position. We focus on reaching a workable structure quickly, rather than prolonging the process. Each case is handled directly, with clear next steps throughout.

Capital to support expansion into new locations, markets, or capacity. We structure funding around your growth plans and work to keep the process moving as plans are finalised. Senior involvement ensures decisions are not slowed unnecessarily.

Funding to support supplier commitments, inventory, or continuity of supply. We structure funding to protect operational stability and progress decisions efficiently. Where requirements are clear, funding can be put in place quickly.

Case Studies

Investing in Talent: Bridging a Payroll Gap for a Digital Agency
 
Overview
Our client is a well-established digital agency in West London specialising in bespoke websites and apps, where people represent the core asset and largest monthly cost. The agency was seeing increased demand while developing its own AI-powered CRM platform, which required hiring specialist PHP Backend Developers. While the revenue pipeline was strong, the business faced a timing gap: senior developers needed to be paid immediately through payroll, while returns from new client work and software development would only be realised several months later. The directors required working capital to manage this increase without draining operational cash reserves.
 
Why They Choose Capify
They returned to Capify rather than pursuing a traditional bank route, valuing a lender that understands service-led businesses and recognises that short-term payroll increases are often a planned investment in growth, not a cash flow issue.
 
The Solution
•Product: Unsecured Business Loan
•Amount: ~£150,000
•Use of funds: Payroll support and working capital
 
The Impact
The funding provided a safety net that allowed immediate recruitment and onboarding. By covering the initial payroll increase, the agency accelerated development of its platform and expanded client delivery capacity, converting upfront staffing costs into long-term recurring revenue.
How a £300k Injection Prepared a Supplier for the Christmas Rush
 
Overview
This client is a leading online retailer of commercial catering equipment based in Scotland, known for fast and reliable next-day delivery. To maintain this service, holding physical stock is essential. In early October, rising demand from the hospitality sector ahead of the festive period created a clear opportunity to increase inventory. To capitalise, the business needed to purchase significant stock immediately, though committing £300,000 of working capital at once would have placed pressure on day-to-day cash flow.
 
Why They Choose Capify
They approached Capify to secure a substantial funding facility without the delays and legal complexity of a traditional secured bank loan, prioritising speed and flexibility.
 
The Solution
•Product: Unsecured Business Loan
•Amount: £300,000
•Time to fund: Under 48 hours from approval
 
The Impact
The funding enabled the business to secure bulk-purchase discounts and stock its warehouse well ahead of the seasonal rush. By acting in October, they avoided Q4 stock shortages, maximised peak-season revenue, and preserved cash reserves for ongoing operational costs.

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

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Frequently Asked Questions

How quickly can funding at this level be arranged?

Once initial information is reviewed, funding decisions are typically made within days rather than weeks. Where approved, funds can often be released quickly without the delays associated with traditional bank lending.

Not always. Many funding solutions at this level can be unsecured, depending on the business profile, financial position, and purpose of the funding. Security requirements are assessed on a case-by-case basis. Click here to check you eligibility.

No problem at all, If your funding requirement is below £150,000 we have options from as little as £10000. Click here to check you eligibility.

Of Course! As long as your company has been trading for over 12 months as an Ltd and turns over £120k per year or more, then, regardless of credit profile we should be able to find you a solution for your needs.

Yes, there are no extra charges for early repayment.

Speak To A Senior
Funding Specialist

No impact on your credit score.

Quick application with minimal paperwork.

Decision in hours.

Start Your £150k-£3M Funding Application

All Business Loans

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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

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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.

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