capify-logo-no-bg
  • Products
    • Small Business Loans
    • Merchant Cash Advance
  • About
    • About Us
    • Customer Reviews
    • Careers
    • Press
    • Contact Us
  • Partner with Us
    • Brokers
    • Partners
  • Resources
    • Finance Info Hub
    • Blog
    • FAQs
  • Register
  • Login
Menu
  • Products
    • Small Business Loans
    • Merchant Cash Advance
  • About
    • About Us
    • Customer Reviews
    • Careers
    • Press
    • Contact Us
  • Partner with Us
    • Brokers
    • Partners
  • Resources
    • Finance Info Hub
    • Blog
    • FAQs
  • Register
  • Login

0800 151 0980

Check Eligibility
  • Products
    • Small Business Loans
    • Merchant Cash Advance
  • About
    • About Us
    • Customer Reviews
    • Careers
    • Press
    • Contact Us
  • Partner with Us
    • Brokers
    • Partners
  • Resources
    • Finance Info Hub
    • Blog
    • FAQs
  • Register
  • Login
Menu
  • Products
    • Small Business Loans
    • Merchant Cash Advance
  • About
    • About Us
    • Customer Reviews
    • Careers
    • Press
    • Contact Us
  • Partner with Us
    • Brokers
    • Partners
  • Resources
    • Finance Info Hub
    • Blog
    • FAQs
  • Register
  • Login

Small Business Loans Calculator

Access loan funding from £5,000 to £500,000 in as little as 24 hours for almost any business purpose. Check your eligibility online in just two minutes:
Check Eligibility

With no impact on your credit rating

Online Eligibility Checker

Get conditionally approved in just 2 minutes with no impact on your credit rating.

All Credit Profiles Considered

We may be able to provide funding when other lenders may not.

Fast, Straightforward Application

Receive your funds in as little as 24 hours.

Fast, straightforward funding for your small business

Whether it’s an unexpected bill or broken equipment that urgently needs to be replaced, we’re here to help you access cash quickly.

Our application is fast and simple, meaning you could receive the funds in your bank account in as little as 24 hours.

Unlike a bank loan which can often take several days or even weeks to approve, there is no lengthy paperwork to complete or business plans to submit.

You can get pre-approved for a Capify small business loan using our eligibility checker, so you can get the quick funding you need to keep your business moving.

Check Eligibility

To quality for a Capify business loan, you must be a:

  • Have a trading history of 12 months+
  • Have a monthly turnover of £10,000+

Thousands of Businesses Funded

We're rated "Excellent" on Trustpilot

Borrowing Capacity

Funding available from £5,000 to £500,000

Get Approved Quickly

Same day approvals & funding possible in 24 hours

Unsecured Business Loans Available

No assets or security required

Minimum paperwork

Complete your application online or by phone in as little as 10 minutes

Easy Repayments

Fixed regular repayments that are easy on your cash flow

Simple Renewal Options

Options for additional funding once you've paid off a percentage of your loan

Thousands of UK Businesses Funded

Trustpilot

4 Simple Steps to Get Funded in 24 Hours

ico-apply-online-b

Apply online

Simple application with no credit check for pre-approvals.

ico-checklist-b

Minimum documentation

Get verified and approved quickly with minimum docs.

ico-support-2-b

Talk to a human

Receive a solution tailored to fit your business needs.

ico-money-hand-b

Receive your funds!

Get cash straight into your account within 24 hours.

Get Started Now

Business loan calculator

Get an estimate of how much you might be able to borrow in under a minute.

All our small business loans are tailored to suit your business’ circumstances – you can find out repayment terms and other accurate figures by submitting an application or chatting to one of our friendly lending specialists!

*Disclaimer – Please note our loan calculator will only bring up indicative figures based on the information you enter. The actual loan amount is subject to Capify’s standard credit assessment criteria and terms & conditions.

How many months have you been in business?

Time in business(Required)

What is your average monthy turnover?

Hidden
This field is for validation purposes and should be left unchanged.

Business Loan Calculator FAQs

We’ve put together a series of FAQs below to help you understand more about small business loans and how our calculator can help you decide on the right option for your business:

How much can I borrow with a small business loan?

Using our Business Loan Calculator is a great way to take a quick look at what your repayments might be over different periods of time, without the need to make a full application. Use the sliding scales above to set the amount you would like to borrow against the time period you’d like to pay it back over.

It’s important to remember that the calculator only offers a guide – the exact details of any business loan may vary, including the full amount you can borrow, which can only be confirmed at the application stage and will be subject to credit and compliance checks.

Will using the Business Loan Calculator affect my credit score?

Using our Business Loan Calculator is completely free and won’t have any impact on your credit score.  

If you’d like to check your eligibility for a Capify business loan you can use our eligibility tool here, again this will not impact your credit score. 

It’s important to remember that the calculator only offers a guide – the exact details of any business loan may vary, including the full amount you can borrow, which can only be confirmed at the application stage and will be subject to credit and compliance checks. 

What is the average term for a small business loan?

Typically, the small business loans offered by Capify vary from 6 – 18 months and will depend on things such as the credit history of the business making the application and whether the loan is unsecured or secured. 

Use our calculator to find a repayment figure you are comfortable with and then see what kind of time frame and affordability works best for your company  

How can I get lower repayments for my small business loan?

The amount you borrow is reflected in your repayment figures and typically, the shorter the term, the higher the repayment amount. Businesses looking for medium to long term repayment periods are more likely to have lower repayments, however the total amount repayable is likely to be higher as interest will be charged over a longer period. 

Business loan customers with Capify repay on a little and often basis, which is usually daily or weekly. This helps with cash flow management and means businesses don’t have to worry about a large monthly repayment on a specific date every month. 

How to calculate the cost of a business loan

The potential cost of your small business loan is straightforward to work out with our calculator and you only need two pieces of information to get started. These are:   

  • The amount of funding you require 
  • The repayment period you want 

Our Business Loan Calculator will give you a good benchmark to start your planning and will show you the total amount you will repay as well as the amount of the regular repayments so you can decide if the loan is affordable. 

How much could my business borrow?

Every SME is different and the size of the loan you need will depend on what you want to use it for. For example, a loan to provide some short-term working capital could be a lower amount than money needed to fund a renovation or new premises. Capify offer business loans anywhere between £5,000 and £500,000 pounds.

Our Business Loan Calculator can do lots of things, but it won’t be able to tell you exactly how much you can borrow, we can only do this once you have spoken to one of our finance specialists, who can then provide you with a tailored quote to match your business needs. To find out how much you could borrow call us 0800 151 0980. 

Approximately 85% of our customers return for additional finance because they liked the small daily repayment structure we offer.  

Check your eligibility now for a decision in 60 seconds! 

How to work out if I’m eligible for a business loan

Even if your business has struggled with securing a loan in the past, alternative finance options can often be more flexible and help business owners get the cash injection they need. 

There isn’t one way to determine eligibility, however lenders tend to look at some key factors including trading history, turnover and profit, credit history and affordability. 

With Capify, to be eligible for a business loan you will need to: 

  • Be a UK Limited Company or Limited Partnership 
  • Process more than £10,000 a month through your business bank account 
  • Have at least 12 months’ trading records 
How you can use Capify for all your business financing needs

We’ve been helping small businesses achieve their ambitions for over a decade. SMEs are constantly dealing with many different issues at once but having a good amount of working capital and strong cash flow is essential. 

Find out if you could get approved by using our online form here, or simply call us on 0800 151 0980 for a personalised quote.

Table of Contents

Subscribe Now

Get helpful industry-specific newsletters straight to your inbox every month. 

Name(Required)
This field is for validation purposes and should be left unchanged.

Products
  • Small Business Loans
  • Merchant Cash Advance
Partner with Us
  • Partners
  • Brokers
About
  • About Us
  • Careers
  • Contact Us
  • Fees
  • Complaints
  • Modern Slavery Policy
Resources
  • Blog
  • FAQs
  • Loan Calculator
  • Privacy Policy
  • Terms of use
Facebook-f Instagram Linkedin-in Twitter

Capify is a trademark licensed to United Kapital Limited (company registration number 06575165), Capify Uk Limited (Company Number 10183728) and Capiota Limited (company registration number 08080805), each registered in England and Wales with offices Station House, Stamford New Road, Altrincham, Cheshire WA14 1EP.