Unsecured loans
- Funding from £10k to £3m
- Repayment terms: 3–24 months
- No collateral required
- Personal guarantee required
- Same-day funding
Check our lending criteria in 60 seconds – no credit check at this stage.
*does not affect your credit score
£10k–£3m
Same-day funding
18 years lending
20,000+ businesses funded
No start up funding available
£120,000 annually
Ltd, sole trader, partnership
Personal guarantee required
Transparent criteria build trust and reduce drop-off
last 12 months; daily balance, gross monthly sales. Linked bank = faster decision
reviewed but not the primary factor. Bad credit considered — we look at trading performance first
minimum 12 months; longer trading history improves offer size and rate
irregular income considered; seasonal businesses welcome
competitor debt OK if 50%+ repaid. No loan stacking — existing lender paid out first
all UK industries considered including retail, hospitality, construction, health, manufacturing, automotive, professional services
equired from majority shareholder (or combined shareholders)
property asset; not required for unsecured loans
Compare funding amounts, repayment terms and key requirements to find the right option for your business.
See how your business matches our eligibility criteria before you apply.
Trading 12+ months £10k monthly turnover UK-registered business Can provide personal guarantee Bad credit – still apply Competitor debt 50%+ repaid
Start-up (under 12 months) Under £10k/mo turnover Non-UK registered Purchasing a business Competitor debt under 50% repaid
Get ready for your full application with this simple checklist — no documents needed for your initial enquiry.
last 12 months (linked via open banking = fastest approval)
drivers license front and back, or passport
confirming account name and account number
for secured loans and larger amounts
required for full credit assessment
Note: Enquiry stage (30-sec check) requires no documents. Documents only need once you proceed to full application
Decisions possible within hours
Once the full assessment is complete.
Timing varies by lender and application.
Adverse credit considered
Credit reviewed alongside cash flow and trading performance.
Credit checks form part of the lending assessment.
Unsecured options available
Personal guarantee required.
Security requirements depend on the loan.
12 months of bank statements
Plus ID and supporting documents.
May include financial records, existing borrowing and business information.
Minimum 12 months
Established trading history required.
Minimum requirements vary by lender.
Current trading performance
Cash flow and ability to repay.
Creditworthiness, financial position and business track record.
General comparison only. Bank criteria vary by provider. All Capify finance is subject to status and assessment.
Yes. Capify considers adverse credit. Cash flow and trading history are weighted more heavily than credit score alone.
£10,000 per month (£120,000 annually) for our unsecured loans.
No. Capify requires a minimum of 12 months’ trading. We don’t fund businesses under 12 months old or those purchasing a business.
Not for unsecured loans. Only a personal guarantee from the majority shareholder is required. Secured loans require a property asset.
No. The initial 30-second eligibility check does not affect your credit score. A full credit check only runs when you proceed to a formal application.
Yes. If you’ve repaid more than 50% of your existing loan, Capify will pay out the remaining balance to the other lender before providing new funding.
Check out our customer reviews
Just let us know your details and we’ll give you a call right away
Takes 30 seconds | No credit check at this stage | Same-day decisions available
Opening Hours: Monday - Friday: 09:00 to 17:30
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
Find out more about Capify, our approach to business funding and how we support UK businesses.
Discover career opportunities at Capify and learn more about being part of our team.
Get in touch with Capify. Our team is here to answer your questions and help you with your enquiry.
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.
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