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.
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)
£100,000 × 1.20 =
£120,000 total
Cost: £20,000
YouLend (1.25x)
£100,000 × 1.25 =
£125,000 total
Cost: £25,000
Capify (1.35x)
£100,000 × 1.35 =
£135,000 total
Cost: £35,000
Capify costs £15,000 more than iwoca on same advance
Should You Use Capify?
- • Need £150k–£500k and others cap you
- • Can accept higher overall cost
- • Urgent expansion or refurbishment
- • Need under £100k (iwoca/YouLend cheaper)
- • Want no PG under £50k
- • Price-sensitive and can compare
Compare Capify vs Cheaper Alternatives
See if iwoca/YouLend approve you first
Save £5k-£15k vs Capify • Better rates • No personal guarantee
Compare All ProvidersFrequently Asked Questions
Is Capify expensive compared to other providers?+
Yes. Capify's factor rates (1.20-1.45x) are significantly higher than iwoca (1.08-1.25x) or YouLend (1.10-1.35x). On a £100k advance, Capify costs £15,000 more than iwoca.
When should I use Capify?+
Only use Capify if you need £150k+ and iwoca/YouLend decline or can't provide the amount. Always get quotes from cheaper providers first.
Does Capify require a personal guarantee?+
Yes, Capify usually requires a personal guarantee, unlike iwoca and YouLend which often don't require one for amounts under £50k.