Capify UK
Capify UK is a private direct lender, founded in 2008 and headquartered in Altrincham, that provides unsecured and secured business loans (£10,000–£3,000,000) to UK SMEs via an online application, dedicated UK account managers, and a broker/affiliate partner network.
- Company typePrivate
- Founded2008
- HeadquartersAltrincham, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Capify UK does
Capify UK is a private direct business lender founded in 2008 and headquartered in Altrincham, United Kingdom. Operating as part of the broader Capify Group alongside an Australian business, the UK entity provides unsecured and secured business loans to UK small and medium-sized enterprises (SMEs) that face friction accessing traditional bank finance. The company targets UK limited companies with at least 12 months of trading history and a minimum annual turnover of approximately £120,000, with loan sizes ranging from £10,000 to £3,000,000 across three tiers: small business (£10k–£75k), growing SME (£75k–£150k), and established business (£150k–£3M). Since inception, Capify reports funding more than £1.2 billion to over 20,000 businesses. Founder David Goldin serves as Founder, President & CEO, and the company is structured through United Kapital Limited (company number 06575165) and Capify UK Limited (company number 10183728).
The company's core technology is an online origination platform featuring a 30-second eligibility check that does not affect the applicant's credit score, supported by bank-statement-based cash-flow underwriting rather than reliance on credit scores alone. Beyond unsecured and secured business loans, the product set now includes Merchant Cash Advance (with repayments tied to daily card sales), Supplier Invoice Payment, and Debt Consolidation. Repayments are collected via Direct Debit over 3–12 month terms, with no early repayment fees. Distribution combines a sales-led inside-sales model using UK-based dedicated account managers, a senior funding-specialist team for higher-value loans, and a broker/affiliate partner network that offers white-label landing pages and CPC/CPL/CPA compensation.
Revenue is generated primarily through factor-rate pricing applied to loan principal (an example rate of 1.26 is disclosed) plus origination and processing fees, producing a transaction-based income stream tied to origination volume. The company reports an average customer renewal rate of approximately 3x, indicating repeat usage. In April 2024, Capify secured a £100 million credit facility from Pollen Street Capital to underwrite continued SME lending growth. Recent leadership additions include Sam Colclough as Head of Technology (September 2024) and Mike Morris to lead the UK broker team (March 2024).
Capify UK firmographics
Firmographics- Name
- Capify UK
- Legal name
- United Kapital Limited
- Website
- https://capify.co.uk
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Capify UK is a private direct lender, founded in 2008 and headquartered in Altrincham, that provides unsecured and secured business loans (£10,000–£3,000,000) to UK SMEs via an online application, dedicated UK account managers, and a broker/affiliate partner network.
- Ownership category
- akta.pro rank
Capify UK industry classification
Industry- Product category
- Alternative SME Lending
- NAICS
- Credit Intermediation and Related Activities (522), Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industry
- Middle-Market Lending (FSANADAI)
Keywords
Where Capify UK is headquartered
LocationHeadquarters
- HQ city
- Altrincham
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Capify UK business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Business Loans - Interest/Factor Revenue: Capify generates revenue through factor rates applied to loans. The total payback is calculated using factor rates (example rate of 1.26) applied to the principal loan amount. This determines the total cost of borrowing which is repaid through daily or monthly direct debit payments over 3-12 month terms.
- Origination and Processing Fees: Fees charged at the time of loan origination and processing. These fees are disclosed before customers proceed with full loan applications.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Small Business Loans: £10,000 - £75,000 for UK limited companies with 12+ months trading history and £120k+ annual turnover |
| Transaction based/ take rate | Pay-as-you-go | Growing SME Loans: £75,000 - £150,000 for established businesses with £750k+ annual turnover |
| Transaction based/ take rate | Pay-as-you-go | Established Business Funding: £150,000 - £3,000,000 for mature companies with £1.6m+ annual turnover |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
Capify UK product offering
Product offeringCore offering
Capify UK is an alternative lender providing business financing solutions to small and medium-sized enterprises (SMEs) in the United Kingdom. The company offers unsecured and secured business loans ranging from £10,000 to £3,000,000, alongside merchant cash advances, supplier invoice payment (invoice finance), and debt consolidation products. Applications are submitted online with funding decisions typically delivered within 24 hours, and lending is distributed both directly and through a UK broker network.
Product overview
Capify UK offers a comprehensive suite of business lending products designed for UK SMEs across different growth stages. The product portfolio includes unsecured and secured business loans ranging from £10,000 to £3,000,000, with specific tiers for small businesses (£10k-£75k), growing SMEs (£75k-£150k), and established businesses (£150k+). Additional products include Merchant Cash Advance for card-receiving businesses, Supplier Invoice Payment for invoice financing, and Debt Consolidation. All products feature fast funding decisions, dedicated account managers, and flexible repayment terms without early repayment fees.
Differentiator
Problem solved
Functional benefit
Products and services
- Unsecured Business Loans
- Secured Business Loans
- Established Business Funding
- Merchant Cash Advance
- Supplier Invoice Payment
- Debt Consolidation
Quantifiable outcome
- Funded over £1.2 billion to more than 20,000 businesses since 2008
- +3 more outcomes
Companies that use Capify UK
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles3 records
Capify UK technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Capify UK partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered supporting and core.
- EquifaxsupportingEquifax is used as a credit reference agency for running credit and identity checks on loan applicants, directors, guarantors, and financial associates. Cookies from Equifax are served on Capify's website for advertising purposes based on visitor browsing history.
- Broker and Referral PartnerscoreCapify works with a variety of partners including referral partners, affiliates, comparison sites, and companies with large SME databases. Partners can receive co-branded marketing materials, white-label landing pages, and access to a partner community portal for lead tracking.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Capify UK competitors and assessment
Company assessmentEmerging players
- Tide: UK SMB business banking platform with integrated lending via partners. Competes for the same SME borrower base and is increasingly pushing into embedded credit and loans, an emerging competitive threat to Capify's direct origination funnel.
- Allica Bank: UK challenger bank focused on established SMEs with lending products up to several million pounds. Targets an overlapping SME segment but as a full-stack bank with deposits, contrasting with Capify's non-deposit alternative lender model.
Direct peers
- ThinCats: UK alternative finance platform providing secured and unsecured loans to established SMEs, typically £250k–£5M. Comparable to Capify's Established Business Funding tier (£150k–£3M).
- iwoca: London-based fintech providing flexible working capital and term loans to UK SMBs (typically £1k–£250k). Competes head-to-head with Capify on speed, factor-style underwriting, and the same target SME borrower segment.
- Funding Circle: UK-listed (now private again) SMB lending platform offering loans and business finance to UK SMEs. Closest large-scale direct peer in UK alt-finance, with overlapping ticket sizes and an active broker channel — Capify's new broker lead Mike Morris joined from Funding Circle.
- MarketFinance: UK SMB business finance provider offering invoice finance and business loans. Overlaps with Capify's invoice finance and unsecured loan products for the same SME borrower profile.
- Liberis: UK-based revenue-based financing and Merchant Cash Advance provider focused on small businesses. Directly comparable to Capify's MCA product and factor-rate model, targeting similar card-accepting merchants.
Broad incumbents
- Close Brothers Asset Finance: UK-established asset finance and SME lending arm of Close Brothers Group. Mike Morris, Capify's new UK broker lead, previously worked at Close Brothers, indicating direct overlap in broker-distributed SME lending.
- Lloyds Banking Group: UK incumbent bank with the largest SME lending franchise and recently expanded digital SME proposition. Sets the benchmark Capify competes against for the segment of SMEs banked-or-unbanked in the UK.
Regional players
- Capify Australia: Sister entity of Capify UK under the Capify Group, providing MCA and business loans to Australian SMEs. Operates the same product model and factor-rate pricing in a different geography.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Capify UK social profiles
Digital presenceCapify UK financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capify UK leadership team
Management profileNumber of profiles
Profiles3 records
Capify UK funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capify UK M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capify UK
What does Capify UK do?
Capify UK is an alternative lender providing business financing solutions to small and medium-sized enterprises (SMEs) in the United Kingdom. The company offers unsecured and secured business loans ranging from £10,000 to £3,000,000, alongside merchant cash advances, supplier invoice payment (invoice finance), and debt consolidation products. Applications are submitted online with funding decisions typically delivered within 24 hours, and lending is distributed both directly and through a UK broker network.
Is Capify UK a public or private company?
Capify UK is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Capify UK founded?
Capify UK was founded in 2008. It employs 11 to 50 people.
Where is Capify UK based?
Capify UK is headquartered in Altrincham, United Kingdom, in the Europe region.
How does Capify UK make money?
Two revenue lines are on record. Business Loans - Interest/Factor Revenue is the primary driver. The others are origination and Processing Fees.
Who are Capify UK's main competitors?
Emerging players on record are Tide and Allica Bank. Direct peers are ThinCats, iwoca, Funding Circle, MarketFinance and Liberis. Broad incumbents are Close Brothers Asset Finance and Lloyds Banking Group. Capify Australia is listed as a regional player.
Does Capify UK have an API?
No public API is recorded for Capify UK.
What industry is Capify UK in?
Capify UK's product category is Alternative SME Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSANADAI, Middle-Market Lending. Its NAICS code is 522 and its SIC code is 6153.