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Turn upfront supplier invoices into manageable daily or weekly payments and give your business room to breathe.
Businesses often face cashflow pressure due to upfront supplier invoices. Whether you need to stock up for a busy season or secure materials for a new contract, paying a lump sum upfront can drain your working capital.
Capify’s Supply Invoice Payment Solution (SIPS) allows you to pay suppliers on time without straining your cash reserves.
We pay your invoice directly, and you pay us back in small, manageable instalments.
We have simplified the process to help you say yes to opportunities, not cashflow problems.
You order goods or services from your supplier and receive an invoice to pay.
Instead of paying the full lump sum from your cash reserves, apply for a loan with us using the invoice as proof of purchase.
We pay the supplier directly on your behalf. This ensures your stock is released and your supplier relationship remains strong.
You repay Capify over a fixed term (30 or 90 days) via simple daily or weekly instalments.
Maintain stock flow and smooth operations without tying up all your available cash.
Our streamlined underwriting allows us to move fast—often within 24 hours—so you don’t miss inventory deadlines.
Know exactly what you are paying upfront. We offer fixed fees based on your repayment term, with no hidden surprises.
Align your payments with your cash flow by choosing between daily or weekly instalments over 1 or 2, or 3 months.
We offer a clear, short-term structure designed for speed and flexibility.
30 days, 60 or 90 days.
Daily or Weekly (payments taken on working days)
Keep production lines moving and supply chains active without waiting for end-client settlement.
30-Day Term: 4% fee (daily repayments) or 5% fee (weekly repayments).
60-Day Term: 8% fee (daily repayments) or 10% fee (weekly repayments)
90-Day Term: 12% fee (daily repayments) or 15% fee (weekly repayments)
A standard processing fee applies per facility and per invoice.
Invoice finance is the engine room for sectors dealing with long payment terms.
Bridge the gap between high upfront material costs and lengthy project payment cycles.
Ensure your contractors and staff are paid on time, even if your clients pay in 60 days.
Keep production lines moving and supply chains active without waiting for end-client settlement.
Cover rising fuel and maintenance costs immediately, regardless of payment delays.
Balance inventory purchasing with seasonal sales fluctuations.
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This is a short-term financing tool that allows businesses to spread the cost of supplier invoices over daily or weekly installments for up to two months. It effectively acts as a bridge, allowing you to acquire stock now and pay for it as you sell it.
No. To ensure the funds are used for business purposes, Capify pays the supplier directly on your behalf.
We understand that supplier deadlines are tight. The goal is to free up cash flow within 24 hours of application and approval.
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.
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