October 15, 2025

Lender Comparisons

Capify vs Fleximize: SME Loans Comparison

Q: What are the loan limits offered by Capify?

Capify offers loans up to £3,000,000.

Q: How quickly can Capify provide funding?

Capify can deliver same day funding in many cases.

Q: What flexibility does Fleximize offer for repayments?

Fleximize provides flexible repayment structures with no early repayment fees, along with options such as repayment holidays and top ups.

Q: What is the maximum loan amount from Fleximize?

Fleximize offers loans up to £500,000 for businesses in England and Wales, and up to £250,000 across the UK.

Q: How does Capify's loan processing speed compare?

Capify is often faster, with same day decisions and rapid disbursement for many unsecured cases.

Q: Why might a tech startup choose Fleximize?

Fleximize can be a fit for tech firms due to cost effective rates, early repayment without penalties, and flexible features that support changing project timelines.

Compare Capify and Fleximize for SME loans. Find the right lender for quick funding or flexible terms.

James Laden

Co-founder and CEO

This guide is for UK SMEs comparing Capify and Fleximize to decide which lender fits their funding need today. We compare products, costs, speed, eligibility, and service so you can choose with confidence. On first mention, we also link common finance types to Funding Agent explainers, for example a business loan or a merchant cash advance. Both lenders offer quick online applications; the differences sit in product design, speed, and flexibility. Capify business loans advertise funding up to £3,000,000 with same day options, while Fleximize focuses on flexible terms, top ups, repayment holidays, and no early settlement fees.

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TL;DR

Capify suits urgent, larger ticket needs with decisions and funding possible inside 24 hours; Fleximize suits planned borrowing with more flexible repayments and features.
Fleximize offers top ups, repayment holidays, and no early repayment fees; Capify focuses on simple fixed repayments and renewal options.
Indicative maximums: Capify up to £3,000,000; Fleximize up to £500,000 for England and Wales.
Eligibility varies by product; expect at least 6–12 months trading and stable bank statements.
Customer review scores are strong for both, with Fleximize trending higher in recent Trustpilot data.

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Capify vs Fleximize, Research Metrics Dashboard

This dashboard visualises key metrics from your research pack dated 5 November 2023. It compares product scale, pricing ranges, decision speed, eligibility, digital capability, revenue, default rate, and a multi-metric view. Values reflect the research snapshot and are illustrative, not live offers.

Capify advertises up to £3,000,000 versus Fleximize at up to £500,000 for England and Wales. This chart highlights headline capacity, which can be a deciding factor for larger tickets.

APR ranges are shown as bands. Fleximize begins lower at 6 to 10 percent. Capify ranges from 8 to 12 percent. Real pricing depends on risk, security, and term.

Capify is positioned for same day decisions in many cases, here shown as 24 hours. Fleximize typically decides within 48 hours. Operational checks and security can extend timings.

Both lenders show strong recent customer sentiment. Fleximize trends higher in the snapshot at 4.9 out of 5, while Capify is around 4.5. Always review up-to-date feedback by sector.

Minimum trading history is a common threshold. Capify’s indicative floor is around 6 months. Fleximize often prefers 12 months depending on product and risk.

Both support online applications. Fleximize also lists a mobile app in your matrix, which can help with on-the-go visibility and servicing.

Revenue context for 2022: Capify £17.5m, Fleximize £10m. Private lenders disclose selectively, so use these figures directionally to gauge scale.

Capify’s default rate is shown at 5.4 percent, implying 94.6 percent performing. This is a single-lender snapshot and not directly comparable without shared definitions.

Fleximize plots at 15 percent growth and a 4.9 Trustpilot score. Add more lenders over time to see whether faster growth correlates with satisfaction.

Multi-metric view: x axis shows decision speed, y axis shows APR midpoint, and bubble size scales by maximum loan. Capify’s larger bubble reflects its higher headline limit.

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Products and Terms at a Glance

Capify overview, loan sizes, fees, repayment style, typical terms, eligibility

Capify business loans advertise fast decisions with funding in as little as 24 hours, plus secured or unsecured options up to £3,000,000. Repayments are fixed and regular. Capify also offers a merchant cash advance, where repayments track a percentage of daily card takings, useful for seasonal revenue. For eligibility, Capify says lenders like to see up to date accounts and bank statements; they note they like to see at least six months’ trading history.

Pros of Capify

High advertised maximums for larger needs, up to £3,000,000.
Same day decisions with funding in as little as 24 hours for many cases.
Merchant cash advance option aligns repayments with card sales.

Cons of Capify

Simple fixed repayment design can be less flexible than products with payment holidays or top ups.
External reviewers note use of factor rates on some offers; always check the total repay and compare like for like.

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Fleximize overview, loan sizes, fees, repayment style, typical terms, eligibility

Fleximize business loans offer up to £250,000 across the UK, and up to £500,000 for businesses trading in England and Wales. Products are available secured or unsecured, with terms that can extend to multiple years, and rates shown from 0.9% per month. Fleximize’s signature features include top ups, repayment holidays, and a “penalty free promise” where you pay interest only for the time you borrow. Eligibility pages show a minimum of six months’ trading for some products, while other product pages reference 12+ months, so expect the threshold to vary by product and risk.

Pros of Fleximize

No early repayment fees; interest charged only for the period used.
Built-in flexibility with top ups and repayment holidays.
Strong customer review profile and relationship manager support.

Cons of Fleximize

Maximum loan size lower than Capify’s upper range.
Decision and funding can take longer than same day in some cases.

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Costs and Repayments in Practice

Capify presents simple fixed repayments on business loans, so you can budget with certainty. Where a merchant cash advance is used, repayments flex with sales; you pay a fixed percentage of each card batch, which smooths cash flow. External reviewers note that Capify may quote via a factor rate for some offers, so compare total cost and Annual Percentage Rate equivalents when you can. Fleximize displays rates from 0.9% per month and does not charge early settlement fees; if you repay early you pay interest only for the time used, which can lower total cost on shorter actual borrowing periods.

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Headline cost features	Capify	Fleximize
Advertised maximum	Up to £3,000,000	Up to £500,000 in England and Wales, up to £250,000 across the UK
Pricing style	Fixed repayments; some offers may use factor rates	Rates from 0.9% per month; no early repayment fees
Early settlement	Renewals available; check offer for any settlement specifics	Penalty free promise, pay interest only for the time borrowed
Alternative option	Merchant cash advance, repay as a % of card sales	N/A

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Worked example, Capify loan

Assumptions: £100,000 unsecured business loan, 18 month term, fixed total repay structured to a representative 1.25x factor for illustration only. Total repay £125,000; approximate monthly £6,944. This shows the budgeting clarity of fixed repayments, but with the usual trade off that early settlement savings depend on the specific offer. Always compare any factor quote to an APR or monthly rate alternative to judge like for like.

Worked example, Fleximize loan

Assumptions: £100,000 unsecured loan, 18 month scheduled term, rate from 0.9% per month, interest charged only for time used. If you repay after 9 months, interest paid is roughly £8,100, plus any agreed fees, so total repay ~£108,100 before fees. If you run full term, interest ~£16,200, so total repay ~£116,200 before fees. This illustrates how early settlement without penalties can reduce total cost when you borrow for less time than planned.

Speed and Service

Capify emphasises quick decisions and funding, with same day approvals and funds often inside 24 hours, and secured options targeting 24–48 hours. Fleximize highlights short online applications with decisions as fast as 24 hours and funding that can complete inside 48 hours depending on product and security.

Customer reviews are strong for both. Recent Trustpilot snapshots show Capify trending around 4.5 out of 5, and Fleximize around 4.9 to 5 out of 5. Always read recent reviews to gauge current service levels for your sector.

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Who Each Lender Suits

Scenario 1, why Capify often fits

You need £250,000 to £1,000,000 for a store fit out within weeks. You have steady card takings and want fast underwriting with the option to pick a merchant cash advance if card linked repayments suit cash flow. Capify’s same day decision path and MCA option make it a practical route.

Scenario 2, why Fleximize often fits

You need £50,000 to £300,000 for product development with uncertain timing on milestones. You value the ability to repay early without penalties and to pause capital via repayment holidays if cash is tight. Fleximize’s penalty free promise, top ups, and holidays can lower risk when timelines change.

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How to Apply

Capify steps and requirements

Complete the online application to check basic eligibility.
Provide recent bank statements, filed accounts, and ID.
Underwriting may produce a same day decision; funding can follow within 24 hours for many unsecured offers, and 24–48 hours for secured offers.

Capify notes lenders like to see stable trading and up to date statements, and they “like to see” at least six months of trading history.

Fleximize steps and requirements

Apply online; you will be assigned a relationship manager.
Provide bank statements, management accounts, and ID.
Decisions can arrive in as little as 24 hours; funding can complete inside 48 hours depending on security and legal steps.

Fleximize pages show a minimum six months’ trading for some products, and 12+ months for others, so expect product dependent thresholds.

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Final Verdict, Which Lender Fits Your Business Best

Choose Capify if…

You want the fastest possible decision and funding for a larger ticket.
Your revenue is card heavy and an MCA structure would smooth cash flow.
You value a simple fixed repayment profile.

Choose Fleximize if…

You want flexibility to repay early and save interest.
You may need top ups or a short repayment holiday during the term.
Your ticket is within the £50,000 to £500,000 range and you want longer terms.

Both lenders serve UK SMEs well; the better fit depends on speed, ticket size, and how much flexibility you want during the term. If you would like an independent shortlist and help preparing a lender ready pack, start with the Funding Agent homepage or send details via our enquiry form.