Capify

Capify Alternative - Compare the Full Business Finance Market

Alternative to Capify for merchant cash advances and business loans. Access 130+ specialist lenders through one application. Better factor rates and more flexible structures.

Capify is a UK specialist in merchant cash advances and short-term business loans for SMEs. Its products are fast and accessible, particularly for businesses that have been declined by mainstream lenders. However, MCA factor rates and short-term loan rates can be significantly above market for businesses that qualify for better terms elsewhere, and Capify's product range is narrower than the full alternative lending market. A whole-of-market broker comparison ensures you are not paying more than necessary.

What Capify Offers

Capify provides merchant cash advances and short-term business loans to UK SMEs with 6+ months of trading history. Its primary appeal is speed - decisions within hours and funds within 24-48 hours for qualifying businesses. Its MCA product repays as a percentage of card revenue. Its business loan products are fixed-term with daily or weekly repayments.

When to Compare Alternatives

Consider an alternative when: the factor rate or interest rate offered feels high; you want to compare the full MCA market rather than accepting the first offer; you need a product Capify does not offer (invoice finance, asset finance, secured lending); or you have been declined by Capify and want to understand what else is available.

The Full Market Comparison

MCA providers vary significantly in their factor rates, advance limits, and repayment percentages. Liberis, YouLend, Nucleus, and Swipesum are among the specialist MCA providers who may offer different terms for the same business. Asset finance, invoice finance, and secured lending may also be more suitable than an MCA depending on your use of funds.

Our Approach

We review your card terminal data, trading history, and finance requirement and compare the full market - including MCA providers, alternative lenders, invoice finance houses, and asset finance lenders - to find the most cost-effective solution for your specific needs.

FAQs

Frequently asked questions

Is a Capify MCA expensive?

MCA factor rates vary by lender and business profile. We compare the full market to confirm whether Capify's offer is competitive for your circumstances.

Can I get a lower factor rate elsewhere?

Possibly. MCA factor rates vary with business risk profile and card volume. A comparison across multiple MCA lenders will confirm what is available.

What if I have been declined by Capify?

We assess your full profile against the broader market - invoice finance, asset finance, and secured lending may be available even where Capify has declined.

How long does a broker comparison take?

We aim to provide indicative terms within 4 hours on working days.

Are there upfront fees to use a broker?

No upfront fees. Broker fees on most MCA and business loan products are paid by the lender.

Compare MCA and Business Finance Options

Send us your scenario and we will come back the same working day with indicative terms from a panel of 130+ specialist lenders, a shortlist, and a realistic timeline.

Compare MCA and Business Finance Options Call 0204 6211776