Capify UK Company Profile

Background

Overview

Capify UK is a leading alternative finance provider specializing in offering flexible financing solutions to small and medium-sized enterprises (SMEs) across the United Kingdom. Established in 2008, the company has been instrumental in supporting businesses with accessible funding options, particularly during challenging economic periods.

Mission and Vision

Capify UK's mission is to empower SMEs by providing them with the necessary financial resources to thrive and grow. The company's vision is to be the preferred partner for SMEs seeking alternative financing solutions, offering products that are simple, flexible, and tailored to the unique needs of each business.

Primary Area of Focus

The company focuses on delivering alternative financing options, including business loans, merchant cash advances, and working capital funding, to SMEs that may not qualify for traditional bank loans. By leveraging innovative technology and a customer-centric approach, Capify UK aims to bridge the funding gap for businesses across various sectors.

Industry Significance

In the competitive landscape of SME financing, Capify UK stands out for its commitment to providing accessible and flexible funding solutions. The company's ability to adapt to market needs and its focus on customer relationships have solidified its position as a significant player in the alternative finance industry.

Key Strategic Focus

Core Objectives

Empowering SMEs: To provide SMEs with the financial tools they need to succeed, fostering growth and stability within the sector.

Innovative Financing Solutions: To develop and offer financing products that are adaptable to the evolving needs of businesses.

Customer-Centric Approach: To build strong, lasting relationships with clients by understanding their unique challenges and providing tailored financial solutions.

Specific Areas of Specialization

Merchant Cash Advances (MCAs): Offering funding based on a business's daily credit and debit card sales, providing flexibility in repayment aligned with cash flow.

Unsecured Business Loans: Providing loans without the need for collateral, enabling businesses to access funds quickly and efficiently.

Secured Business Loans: Offering larger loan amounts secured against business assets, suitable for businesses with significant funding requirements.

Key Technologies Utilized

Proprietary Online Platform: An advanced technology platform that streamlines the application and approval process, ensuring quick and efficient service.

Data Analytics: Utilizing data-driven insights to assess creditworthiness and tailor financing solutions to individual business needs.

Primary Markets Targeted

Capify UK primarily targets small and medium-sized enterprises across various industries, including retail, hospitality, manufacturing, and services, focusing on businesses that require flexible and accessible financing options.

Financials and Funding

Funding History

£75 Million Credit Facility from Goldman Sachs (2019): In January 2019, Capify UK secured a £75 million credit facility from Goldman Sachs Private Capital to support its growth and provide working capital to SMEs.

£8 Million Equity Round (2020): In September 2020, the company closed an £8 million equity round, demonstrating strong investor confidence and enabling further expansion of its lending capabilities.

Total Funds Raised

As of December 2025, Capify UK has raised a total of £83 million through various funding rounds, including the £75 million credit facility and the £8 million equity round.

Utilization of Capital

The capital raised has been utilized to:

Expand Lending Capacity: Increase the volume and size of loans offered to SMEs.

Enhance Technology Infrastructure: Invest in advanced technology platforms to improve service delivery and customer experience.

Support Operational Growth: Strengthen operational capabilities to manage a growing customer base effectively.

Pipeline Development

Key Pipeline Candidates

Capify UK's pipeline includes a diverse range of SMEs seeking financing across various sectors, with a focus on businesses demonstrating strong growth potential and a clear repayment plan.

Stages of Development

Application Review: Assessing the financial health and creditworthiness of applicants.

Approval Process: Finalizing loan terms and conditions based on the applicant's profile.

Disbursement: Providing funds to approved businesses, typically within a short timeframe.

Target Conditions

The company targets businesses with:

Established Operations: At least 12 months of trading history.

Consistent Revenue Streams: Demonstrated ability to generate steady income.

Clear Repayment Plans: Well-defined strategies for loan repayment.

Anticipated Milestones

Loan Disbursement: Providing funds to approved applicants within 24 hours.

Customer Onboarding: Integrating new clients into the Capify UK platform seamlessly.

Technological Platform and Innovation

Proprietary Technologies

Online Application System: A user-friendly platform that allows businesses to apply for financing quickly and easily.

Automated Credit Assessment Tools: Utilizing algorithms to evaluate creditworthiness efficiently.

Significant Scientific Methods

Data Analytics: Employing advanced data analysis techniques to assess risk and tailor financing solutions.

Machine Learning Algorithms: Implementing machine learning to predict repayment behaviors and optimize loan terms.

Leadership Team

Key Executives

David Goldin: Founder, President, and CEO. With over 20 years of experience in alternative finance, David established Capify in 2002 and has been instrumental in its growth and success.

Simon Farmilo: Director of Strategic Partnerships. Simon plays a crucial role in forging and maintaining partnerships that enhance Capify UK's service offerings and market reach.

Competitor Profile

Market Insights and Dynamics

The UK alternative finance market is characterized by a growing demand for accessible funding solutions for SMEs. With over 5.2 million businesses in the UK, the need for flexible financing options is substantial.

Competitor Analysis

MaxCap: A newer entrant offering unsecured business loans ranging from £5,000 to £350,000, with terms of 3–12 months.

iwoca: Provides flexible business loans up to £200,000, with a focus on quick decision-making and funding.

Funding Circle: A peer-to-peer lending platform offering loans up to £500,000, connecting investors directly with SMEs.

Strategic Collaborations and Partnerships

Capify UK has established partnerships with various financial institutions and technology providers to enhance its service offerings and expand its market presence. Notably, the £75 million credit facility from Goldman Sachs in 2019 significantly bolstered its lending capacity.

Operational Insights

Capify UK's focus on customer relationships, flexible financing solutions, and rapid loan disbursement differentiates it from competitors. The company's ability to adapt to market needs and its commitment to supporting SMEs have been key to its success.

Strategic Opportunities and Future Directions