Assessment
Capify lends working capital to small and mid-sized businesses through fixed-payment business loans and merchant cash advances repaid as a share of card sales. Use it when a shop, restaurant, or other card-taking firm needs funds in days rather than a long bank term loan, and can accept a factor-rate or fee-based cost of funds.
Capify Holdings Limited filed group turnover of GBP 29,122,058 for the year ended 31 Dec 2024 (Pomanda / Companies House accounts for company 11715734), about US$37-38 million. That is the UK holding-company figure. Capify also operates in Australia through Capify Australia Group. Founder David Goldin remains chief executive. The firm is private.
Capify fits a UK or Australian SME that has been trading for at least six months and wants short-term working capital, including firms with imperfect credit that a high-street bank may decline. It is a weaker fit for a startup with no trading history, for a borrower that needs a multi-year amortising facility, or for a platform seeking embedded lending APIs rather than a direct lender relationship.
Rating by criterion
Each of the eight criteria below is scored out of 100.
Sector criteria
Products cover unsecured-style business loans and merchant cash advances sized from a few thousand pounds or dollars up to high six figures in marketing materials. Capify says every application is reviewed by a person, not only an algorithm, and that imperfect credit can still qualify when card sales and trading history support the deal. Factor rates and total payback are set in the offer, not as a classic APR card.
Marketing claims funding in under 24 hours in strong cases, with typical AU guides of one to three days after a full application. Direct web apply and broker channels are both used. Speed is a clear pitch versus bank term loans.
MCA repayments flex with card turnover, which helps seasonal traders. Fixed loan repayments are daily or weekly on published service-fee schedules. Collections practice should be checked in the contract; public Trustpilot scores differ sharply between the UK site (strong) and the Australian site (weaker).
The product is a lender relationship, not a credit-decision API for other platforms. Borrower portals and statements exist for account management. Embedded-lending partners are not the centre of the public story, which holds this criterion down versus Parafin-style platforms.
Vendor criteria
Loan and MCA products are mature after years in UK and Australian markets. Depth is in specialty SME credit, not in a wide suite of consumer credit or bank-core decisioning. Roadmap detail beyond product pages is thin in public materials.
Eligibility checks are free online; full applications incur processing and origination fees once the borrower proceeds. Capify emphasises phone support and a named contact. AU and UK sites both stress human review.
The UK fees page publishes processing fees from GBP 249 to GBP 749 by amount band, origination up to 6%, and monthly service or Cashplus fees around GBP 25. Factor rates for MCAs are still quote-led (often described in the 1.2-1.5 range in Capify education pages). Australia similarly discloses origination and processing once a full application starts. Better than a blank sales page, short of a full APR calculator for every product.
Terms run roughly 3-12 months on many MCA and short-loan products. Total payback is disclosed before signing per Capify's transparency claims. Early-settlement and default terms need reading in the individual contract; they are not fully summarised on the marketing fees table.
Against its peers
These are the other companies in lending and credit infrastructure, with their ratings.
Fact file
| UK holding company | Capify Holdings Limited (11715734), Altrincham |
|---|---|
| YE2024 group turnover | GBP 29,122,058 (~US$37-38M) |
| Products | Business loans; merchant cash advances |
| UK fee bands | Processing GBP 249-749; origination up to 6%; monthly service ~GBP 25 |
| Markets | United Kingdom and Australia |
| CEO | David Goldin (founder) |
Competitive landscape
Peers a buyer would compare.
Capify: 72
Comparisons
Key leadership
David Goldin founded Capify and is chief executive and president. John Rozenbroek is COO and CFO of Capify UK.
How this review was created
This profile gives our own assessment of Capify to companies selecting a Lending & credit infrastructure provider. The Fintech Index receives nothing for featuring a firm, for sponsorship, or for advertising, and Capify gave us no payment for the profile.
The rating equals the average of eight criteria, with every criterion running from 0 to 100. Four address buyer needs in this sector, and four address the company together with its commercial terms.
Ratings are our editorial judgment, made from public information: pricing and legal pages, product documentation, compliance disclosures, and filings. Fact-checking took place on October 5, 2026.