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Capify Business Loans Review: How do they compare?


Capify


Introduction


Capify


Did you know that Capify is regarded as one of the most highly trusted companies in the world for alternative financing?

Or that they provide their transparent working model to several countries?

In this guide, you’ll find out everything you need to know about Capify; including who they are, their business loan features and what their customers are saying.

What’s in this review?

Let’s dive in and find out more.

Who is Capify?

Firstly, Capify has a simple mission; to assist companies across the world.

Capify was previously known as United Kapital and Capiota; they specialise in offering to fund to companies all over the UK.

Operating since 2008, Capify has helped thousands of businesses to get the funding you need for your company to flourish.

They are considered one of the largest independent lenders in the world.

Business Loan Features

What’s important to remember is that each business lender you’ll see on the market has its advantages and disadvantages.

Capify has many features that they can offer potential customers, including the amount that businesses can borrow, and the fact that they can give you unsecured loans.

Here are what you can expect from Capify:

✔ Loans of between £3,500 and £500,000 available

✔ A minimum of £7,000 per month income

✔ Unsecured loans

✔ Up to 75% of monthly turnover available

✔ Efficient payments

✔ Daily repayments

✔ 5-12 month lengths

✔ Easy top-up capabilities

Unsecured Loans

Have you ever heard the term ‘unsecured loans’, but never knew what it meant?

Essentially, having an unsecured loan means you don’t have to put anything up for collateral; like your home.

These loans mean that you typically borrow less, because it is unsecured and to minimise any future losses.

Loan Lengths

Capify offers their customers flexibility with how much they want to borrow; however, £3,500 is generally the minimum you need to borrow.

On the other end, you can borrow up to £500,000 which should suit your business regardless of its size so you can afford everything you might need.

You should also keep in mind that you are required to have a minimum monthly income of £7,000 before you can qualify for a loan.

This is quite high for an SME, but it has advantages for smaller businesses.

How to Apply

So, how do you apply for a loan from Capify?

All you need to do is apply online using the Capify form, which you need this information to fill in:

  • Your first and last name
  • Best contact number to reach you on
  • Your email address
  • Verify your email

Plus, when you apply, there is no obligation.

Capify Reviews

When it comes to reviews on Trustpilot, there are many positive reviews; in fact, most of Capify’s reviews are within the five-star category.

89% of their reviews are excellent, while only 4% of their reviews are negative.

Let’s take a look at what their customers are saying.

Positive Capify Review

Smith on Trustpilot: This is my third time that I have used Capify, the staff are always helpful and polite. Although the interest rate is high and I hope next time it will come down, it does the job, and it’s a quick turn around.

Negative Capify Review

Philrob on Trustpilot: Bulk email spam generators are constantly sending emails – if this is their business model it shows that they should not be trusted.

Customer Service

Capify has a more simplistic customer service than some of their competitors.

Most customers will be able to get in touch with Capify through either filling out a form on their contact page, or calling 0800 151 0980 from 9 am to 6 pm.

It does not state whether this is only from Monday to Friday or whether they cover weekends as well, so to be safe it is probably best to try and ring during standard office days.

C. Bayrz on TrustpilotMy application for funding was appointed to a gentleman named Gerald who was very helpful and prompt in raising my business the funded that was requested. I would recommend anybody to deal with this company; you will not be disappointed in the least.

UKNOV on TrustpilotSend over details, was told by Stuart that a manager would be calling me. Five days later and three emails from me ignored I have given up with Capify. Not even the courtesy of a callback or reply to my emails.

Company Comparison

CompanyTrustpilot ScoreLoan AmountLoan TermTypical APR
Capify★★★★★£3,500 to £500,0006 to 10 months67.89%
Boost Capital★★★★★£3,000 – £500,0004 to 18 months1.5% – 2.5%
Liberis★★★£2,500 – £300,0006 to 12 monthsNo APR
Shawbrook Bank★★★★★£250,000 to £25 millionBespoke0% to 19.9%

Conclusion

Are you ready to compare your loan options?

Did you know that you can see all of your available loans in minutes with the ExpertSure comparison tool?

Take a look at the guides to find out more about your finances, or fill out the form at the top of the page.

Capify
  • Customer Support
  • Loan Flexibility
  • Cost
3

Final Verdict

Finally, Capify is a suitable lender for small and medium-sized businesses, who want to borrow up to £500,000 with an unsecured loan, providing you have a minimum monthly income of £7,000.

Pros

✔ Capify has an excellent 5-star Trustpilot rating.
✔ You can borrow up to £500,000.
✔ Businesses can borrow unsecured loans, which means you don’t have to put your house up as collateral.

Cons

✗ Very high typical APR.
✗ You need to have a monthly income of over £7,000 to qualify.
✗ Businesses need to be at least nine months old.

Address:

expertsure.com
Filwood Green Business Park
1 Filwood Park Lane
Bristol
BS4 1ET

0800 234 3036