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About


Since 2008, Capify (formerly known as United Kapital and Capiota) has been helping small businesses raise finance.
Capify’s Flexible Business Loans or Merchant Cash Advances allow business owners to raise affordable and flexible finance simply, quickly and efficiently. Regardless of what industry type you are or where your business is located, we can help to finance your business with up to £500,000. We have developed the most advanced decision engine technology in the market. Our proven experience and dedicated teams provide best in class customer service. When it comes to small business finance we are second to none. We realise you’re busy, as any business owner should be, that’s why applying for funding with Capify is simple, and efficient. It takes less than 60 seconds to get a decision and funds transferred within days.

Key points


  • 90% acceptance rate
  • Quick & Easy application form -  available online 24/7
  • Access to funds within days

How do they charge?


We offer flexible repayments that work in line with your business’s cash flow – by looking at your average monthly credit and debit card sales, we can advance you up to 100% of that figure.

Capify can provide you with finance anywhere between £3,500 - £150,000.

Business Loans


United Kapital’s Merchant Cash Advance works as an innovative alternative to a traditional business bank loan. You can raise up to 100% of your average monthly credit and debit card sales to achieve your business growth plans.

You can now apply online and have funds in your business bank account in two working days

Repayments work alongside your businesses card sales making it a truly flexible and viable finance solution - United Kapital take a small pre-agreed percentage of your daily credit and debit card takings. Ultimately, this means the busier you are, the quicker you pay back the advance. Equally, when your businesses’ card takings are lower the repayments slow down – there is no set repayment schedule.

We offer flexible repayments that work in line with your business’s cash flow – by looking at your average monthly credit and debit card sales, we can advance you up to 100% of that figure.

United Kapital can provide you with finance anywhere between £3,500 - £150,000.

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