Capify Review UK 2025
Capify business funding review: £10k-£500k available, 1.20-1.45x factor rates, 24-48hr approval. Good for large amounts but more expensive than iwoca/YouLend.
4.1/5(780+ reviews)
Capify is good for businesses needing £100k-£500k where others cap out. However, factor rates of 1.20-1.45x are significantly higher than iwoca (1.08-1.25x) or YouLend (1.10-1.35x). Only choose if you need large amount and others decline.
Capify Specifications
- Amount: £10,000 - £500,000
- Factor Rate: 1.20 - 1.45x
- Min Revenue: £15,000/month
- Min Trading: 12 months
- Approval: 24-48 hours
- Personal Guarantee: Usually required
Capify Pros & Cons
Advantages
- Large amounts (£100k-£500k)
- Established (15+ years)
- Works with challenged credit
Disadvantages
- Expensive (1.20-1.45x vs iwoca's 1.08x)
- High minimum (£15k/month)
- Personal guarantee required
Capify vs Competitors: Cost on £100k
- iwoca (1.20x): £120,000 total = £20,000 cost
- YouLend (1.25x): £125,000 total = £25,000 cost
- Capify (1.35x): £135,000 total = £35,000 cost
Capify costs £15,000 more than iwoca on same advance.
Should You Use Capify?
Yes if: Need £150k+ and iwoca/YouLend decline or cap you. Capify approves larger amounts.
No if: Need under £100k - iwoca/YouLend are 20-40% cheaper with better terms.
Recommendation: Always get iwoca/YouLend quotes first. Only use Capify if they decline or can't provide the amount you need.