Capify Secured Business Loan Review For UK SMEs

If you are searching for a Capify secured business loan, you are probably looking for a larger lump sum and a lender that can move quickly. Capify’s secured option is designed for established UK SMEs that can offer residential property as security, with fixed regular repayments and a faster process than many high street lenders. This review explains how it works, what it really costs, and how to compare it against other options before you apply.

Product snapshot: Capify secured business loan

Capify positions its secured business loans as property-backed funding for UK businesses that want to borrow larger sums with fixed repayments. You can read Capify’s own overview and apply directly on the official pages: Capify secured business loans and the Capify application portal.

How Capify's Secured Business Loan actually works in practice

In plain English, this is a lump-sum loan where the key difference is how it is underwritten: you are securing the borrowing against a residential property (and usually signing personal guarantees). That additional comfort for the lender can mean larger borrowing and steadier, fixed repayments.

The journey usually starts with a quick online eligibility check. Capify suggests you can check eligibility without it impacting your credit score, then progress to a full application if the initial fit looks good.

After you submit the main details, the lender will assess affordability and risk, but also the security itself. In practice, that means an independent valuation and the legal work required to take a charge over the property. This is the part that can slow secured lending down versus unsecured lending, and it is also where some of the extra costs can show up.

Once approved, you receive the loan amount into your business bank account, then repay via fixed regular instalments on an agreed schedule. Because repayments are fixed, this type of facility is often used for planned investments (stock, equipment, expansion) rather than day-to-day cash flow gaps that come and go.

What this means for you: if you want speed, get your documents ready up front (latest bank statements, management accounts, details of the property security and ownership). The faster you can provide clear information, the faster a secured deal can move.

Rates, fees and what this Secured Business Loan really costs

Capify does not publish a single headline APR for secured business loans because pricing is tailored. Instead, you will typically see a fixed interest rate on your offer, plus an upfront fee to cover valuation and potential legal costs associated with taking security over property.

Capify provides an illustrative example on its secured loan page: borrowing £300,000 with a fixed interest rate of 7% over 12 months would result in £21,000 of interest across the term. Real offers can be higher or lower depending on your business performance, the security, and the wider credit picture.

Early settlement rules matter. Capify highlights no early repayment fees on some of its business loan pages, but for secured lending you should still check your specific offer for any minimum interest, break costs, or how your settlement figure is calculated.

If you want to make sure the total cost stacks up, Funding Agent can help you compare secured lending against unsecured loans, revolving credit and asset-backed alternatives, so you can choose the best fit rather than the fastest quote.

Eligibility, who Capify is a good fit for

Capify’s secured business loan is aimed at established UK SMEs rather than brand-new startups. Based on Capify’s published criteria, you will usually need to:

• Be a UK registered limited company or LLP
• Have traded for at least 12 months
• Show at least around £10,000 monthly turnover
• Provide residential property security owned by business owners or guarantors
• Be comfortable giving personal guarantees (often required from major shareholders)

If your credit history is not perfect, security can help, but it does not make affordability checks disappear. Expect the lender to review bank statements, trading performance, and whether repayments are realistic.

Some industries can be harder to fund than others (for example, very high-risk or highly regulated activities). If you operate in a niche sector, get a broker to pre-check lender appetite so you do not waste time on applications that are likely to be declined.

Pros, cons and when Capify is a good idea

Secured lending is powerful when you need a bigger amount and predictable repayments, but it is not the right tool for every scenario. Here is how Capify’s secured loan stacks up in real life.

Pros

• Large loan sizes: Capify positions secured borrowing from £75,000 up to £1,000,000, which can suit bigger projects.
• Potential speed: Capify markets fast approvals with funding possible in as little as 24 hours when documentation is in place.
• Predictable repayments: fixed regular repayments can make cash flow planning easier than revenue-based products.

Cons

• Property risk: you are putting residential property on the line, and lenders can enforce security if repayments are not maintained.
• Upfront costs: valuations and legal fees can apply, even if a valuation leads to a smaller offer than expected.
• Not ideal for short, seasonal gaps: if you just need a flexible buffer, a revolving line can be cheaper and easier to manage.

Best for

• A trading limited company needing £100,000+ to place a large stock order ahead of peak season, with a clear plan to repay over a fixed schedule.
• An established service business that wants a lump sum to hire, invest in marketing and expand capacity, and prefers fixed monthly repayments.
• A business with strong turnover but a thin credit profile that can strengthen the application by offering property security.

Real world examples of how SMEs use this Secured Business Loan

Example 1: Stock and supplier terms. A wholesaler wants to secure better supplier pricing by ordering in bulk. They borrow £150,000, buy stock at a discount, and use the improved gross margin to comfortably cover fixed repayments while smoothing working capital.

Example 2: Expansion and refurbishment. A multi-site hospitality business needs £300,000 to refurbish a new location. A secured term loan gives them a lump sum up front, then fixed repayments that align to forecasted revenue once the site is trading.

Example 3: Tax bill and cash flow reset. A seasonal business faces a large VAT bill and wants to avoid draining its cash reserves. They use a secured loan to clear the liability, then repay over time while keeping cash available for payroll and operating costs.

How Funding Agent can help you compare Capify against other lenders

Capify can be a strong option if you want a quick decision and you can secure the borrowing against property. But speed is only one part of the decision. The right lender is the one that fits your cash flow, your risk appetite and your total cost.

Funding Agent can help you compare a Capify secured loan against other secured lenders and alternative products such as unsecured loans, asset finance and revolving facilities. That way you can see your realistic options side-by-side before you commit personal security.

If you want to see how Capify stacks up, compare business finance options with Funding Agent before you sign.

Alternatives to Capify's Secured Business Loan

Even if you like the idea of a secured term loan, it is worth checking alternatives. Depending on your use case, you may be able to borrow without securing against property, or match funding more closely to the asset or invoices you are financing.

• Unsecured Business Loans if you want speed without property security (often smaller amounts and higher rates than secured lending).
• Business Line Of Credit if you want a flexible buffer you draw down and repay as needed, rather than taking a lump sum.
• Asset Finance if the funding is for equipment, vehicles or machinery and you want the asset itself to be the main security.
• Invoice Financing if your cash flow issue is slow-paying B2B customers and you want to unlock funds from invoices.
• Commercial Mortgages if your real goal is property purchase or long-term property-backed funding with longer terms.

If you are unsure whether to go secured or unsecured, this guide can help you frame the decision: Secured Vs Unsecured Business Loans Uk.

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