At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About Capify
Capify has been around since 2008, headquartered in New York, with real offices and real operations in the US, UK, Australia, and Canada. Over $5 billion funded across all four markets. US advances run from $5,000 to $5 million at factor rates of 1.15-1.50. The repayment model is different from most competitors: instead of a fixed daily ACH debit, Capify takes a percentage of your daily credit and debit card sales, typically 10%-20%. Slow Tuesday? Smaller payment. Blowout Saturday? Bigger payment. That automatic adjustment protects you during slow periods in a way fixed-payment MCAs do not. Capify runs a hybrid model. For deals that fit their direct underwriting sweet spot (usually $25K-$500K with strong card volume), they fund from their own balance sheet. That means Capify controls everything: pricing, underwriting, servicing, collections. For deals outside that range, they broker to partner funders. From your side, the experience looks the same either way, but the direct-funded deals close faster and the post-funding relationship is more predictable. For businesses with international operations, Capify is basically the only game in town. They can fund your US locations in dollars, UK locations in pounds, and Australian locations in AUD through a single relationship with one account manager. Underwriting leans on business revenue and card volume rather than personal credit, so owners with 500-600 scores can still get funded if the business numbers are strong. UCC-1 lien on direct deals, personal guarantee required. Origination fee of 0%-3% depending on the deal. No prepayment penalty on most products.
Key Features
International Coverage
Not a US company with a few international referral partners. Capify has actual offices, actual underwriting teams, and actual funding operations in all four countries. Local compliance. Local bank relationships. Staff who know the regulatory framework where they sit. If you run restaurants in New York and London, Capify funds both through one relationship with one account manager who coordinates both advances. Try finding another MCA provider who can do that.
Hybrid Funding Model
For deals in the $25K-$500K sweet spot with strong card volume, Capify funds directly from its own balance sheet. Full control over pricing, speed, and the post-funding experience. No handoff to a third party. For deals outside that range, Capify brokers to partner funders. You get the best of both worlds: a direct funder's consistency and speed on standard deals, plus access to the broader market when your deal is unusual or very large. Direct-funded deals close in 24-48 hours. Brokered deals take 48-72 hours because there is another underwriting step.
Revenue-Based Repayment
Most MCA funders pull a fixed dollar amount out of your account every day regardless of how much you sold. Capify takes a percentage of your daily card sales instead: typically 10%-20%. Sell $5,000 on a busy Friday with a 15% holdback, Capify takes $750. Sell $2,000 on a dead Tuesday, they take $300. That automatic adjustment is a genuine safety net during slow weeks and seasonal dips. The flip side: when business is booming, the payments go up too, and you might pay off the advance faster than you planned. Some owners find that counterintuitive.
Flexible Qualifications
Capify cares about your card volume, average daily deposits, how long you have been in business, and your industry's risk profile. Personal credit scores matter but they are not the deciding factor. Owners with 500-600 credit scores get approved regularly if the business numbers are solid. Minimums: roughly $5,000 per month in card processing and 6+ months of operating history. This is a lifeline for owners who went through a divorce, had medical bills wreck their personal credit, or discharged a bankruptcy years ago but run a healthy business today.
Multi-Currency Capability
Advances denominated in US dollars, British pounds, Australian dollars, or Canadian dollars, with repayment collected in whatever currency each operation runs on. No currency conversion risk. Your London location repays in pounds. Your Sydney location repays in AUD. Capify coordinates cross-border underwriting using combined revenue from all your markets, which often improves both approval odds and factor rates compared to applying in each country separately. Combined, your businesses look stronger than each one standing alone.
How It Works
Apply Online or by Phone
Fill out the application online or call in. Upload bank statements and card processing statements. Takes about 10 minutes.
Underwriting Review
Capify looks at your card sales volume, daily deposits, cash flow patterns, and time in business. Credit score is secondary.
Receive Your Offer
The offer breaks down the advance amount, factor rate, total repayment, and the holdback percentage on your daily card sales.
Accept & Fund
Sign and get funded. Direct deals land in 24-48 hours. Brokered deals take 48-72 hours.
What They Do
- Direct MCA Funding
- MCA Brokerage
- International MCA
- Revenue-Based Financing
- Multi-Currency Advances
Debt Types They Take On
- Merchant Cash Advance
- Revenue-Based Financing
- Card Sales Advance
- Working Capital
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
US-UK Restaurant Group Cross-Border Funding
Restaurant group: 3 locations in Manhattan ($180K/month combined card sales) and 2 in Central London (GBP 95K/month). The owner needed $400K equivalent across both markets for kitchen renovations and a marketing campaign. Four US MCA providers said they could handle the Manhattan locations but had zero ability to fund UK businesses. The owner did not want two separate MCA relationships with different funders, different repayment structures, and two sets of people to talk to.
Australian E-Commerce Company US Market Entry
Australian outdoor gear e-commerce company, 4 years in business, AUD 200K/month in revenue. They were expanding to the US through Amazon and Shopify and needed $150K for a warehouse, initial inventory, and digital marketing. No US credit history. No US bank account older than 60 days. No US-based assets. Every American funder looked at the blank US profile and said no.
Pros & Cons
Pros
- Rare international coverage across US, UK, Australia, and Canada makes Capify the only viable option for businesses with multi-country operations that need coordinated funding through a single provider.
- The hybrid direct-funder and broker model provides the consistency and faster turnaround of direct funding for standard deals while still accessing the broader market for unusual profiles or very large amounts.
- Revenue-based repayment tied to a percentage of daily card sales provides a built-in cash flow safety valve that automatically reduces payments during slow periods, offering meaningful protection compared to fixed daily ACH structures that do not adjust.
- Revenue-focused underwriting that de-emphasizes personal credit scores opens the door for business owners with credit events in their personal history but strong business performance, a population that credit-score-dependent funders would decline.
- Over $5B funded globally across 15+ years of operation demonstrates institutional durability through multiple economic cycles, recessions, and market disruptions, providing confidence in the company's long-term stability.
Cons
- Factor rates on domestic-only US deals can be 3-8 points higher than US-specialized competitors like DAC or Fundshop, because Capify's overhead from maintaining international operations and a hybrid model is amortized across all deals, including straightforward domestic ones.
- Approximately 60 CFPB complaints on record represent moderate volume for a company of Capify's size, with common complaint themes including difficulty understanding the revenue-based repayment structure, confusion about final repayment dates (which are unpredictable with percentage-based collection), and slow lien release after payoff.
- Revenue-based repayment makes the total cost timeline unpredictable: if your business has a strong quarter, you repay faster and the effective APR is higher because the same factor cost is compressed into fewer days, which is counterintuitive and can surprise business owners who expected a longer repayment period.
- Cross-border deals require additional documentation, currency considerations, and coordination between country-specific teams, resulting in funding timelines of 5-10 business days compared to 24-72 hours for standard domestic deals.
User Reviews (15)
card-split repayment is perfect for my coffee shop
My coffee shop is 90% card transactions. Capify takes 12% of each card sale. Morning rush I process $2,000 in cards and $240 goes to Capify. Slow afternoon maybe $400 in cards and $48 goes. The payment perfectly tracks my actual business activity. On a $25K advance at 1.28 I'm paying it down naturally without any daily ACH stress. If your business is card-heavy, this repayment model is objectively better than fixed daily payments.
used Capify in both the US and UK for my businesses
I run a catering company in New York and a food import business in London. Used Capify for both. The product is essentially the same in both countries which made it easy. US advance was $50K at 1.28, UK advance was equivalent terms. Having a single funding provider across international operations simplified my financial management. Not many MCA companies operate on both sides of the Atlantic.
solid funder but the factor rates aren't the lowest
Capify quoted me 1.32 on $60K for my contracting business. DAC got me 1.22 from a funder in their network for the same amount. That's an $6,000 difference in total repayment. Capify's advantage is the card-split repayment model, not the pricing. If you process a lot of credit card sales and want payment flexibility, Capify makes sense. If you just want the lowest factor rate, shop your deal through a broker first.
good option if you process heavy card volume
My deli does about 75% card transactions. Capify's card-split model works great for me — payments track my actual sales volume without any thought on my part. $30K at 1.28 with 12% split. Paying it down steadily over about 8 months. The automation is nice — I don't have to worry about a daily ACH hitting on a day when my checking account is low. But if you're mostly cash, this model doesn't work as well since Capify can only split card sales.
niche product that works for the right business type
Pretty good overall.
the card-split repayment actually works for restaurants
Capify takes a percentage of my credit card sales rather than a fixed daily ACH. Slow Tuesday? Smaller payment. Packed Saturday? Bigger payment. For a restaurant where revenue swings 50% between weekdays and weekends, this model makes so much more sense than a fixed daily debit. Got $45K at 1.28 factor rate with 15% card split. My busy months barely feel it and my slow months don't kill me. Fwiw this is the best repayment model for any cash-heavy business.
factor rates are higher than US-only competitors
Capify offered me 1.34 on $50K. I shopped the same deal through DAC and got 1.22. That's a real difference. Capify's card-split repayment is unique and valuable, but you're paying a premium for it. Auto repair is about 60% card 40% cash so the card-split model only captures part of my revenue anyway. For businesses that are 90%+ card, the flexibility might justify the higher rate. For mixed cash/card businesses, the math doesn't always work out.
decent product but the international company structure adds complexity
Capify is a UK company operating in the US. The contract references UK entities, the legal framework feels different from US-only MCAs, and the dispute resolution process involves international considerations. For a straightforward $80K advance at 1.30 for my hotel, everything worked fine. But when I had a billing question it was unclear whether I was dealing with the UK office or the US one. Not a dealbreaker but adds friction.
the percentage-of-sales model saved me during a slow January
January is DEAD for bars. Revenue dropped 40% from December. With a fixed daily ACH I would've been screwed. But Capify's card-split meant my payments dropped proportionally. Instead of $350/day fixed, I was paying about $210/day during the slow period and $400/day during busy weekends. The flexibility is real and it actually prevents cash flow crises during slow seasons. $30K at 1.30 for my bar. The model is what makes Capify special. Shoutout to Maria who handled my deal.
perfect for food trucks because every sale is card-based
My food truck is 100% Square/card transactions. Capify's card-split is literally the perfect repayment model for this. Festival day doing $5,000 in sales? $600 goes to Capify. Rainy Tuesday doing $300? Only $36 goes. The payment matches my reality. $15K at 1.28 to buy a new generator and upgrade my menu boards. Total payback $19,200 with zero stress about fixed daily debits. if your business is all card sales this is the way to go.
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Important Merchant Cash Advance Disclaimers
- A merchant cash advance is not a loan. It is a purchase of future receivables at a discount. Factor rates, not APRs, are used to express the cost of capital. Effective APRs on merchant cash advances can range from 40% to over 350% depending on the term and factor rate.
- Repayment is typically collected daily or weekly via automatic ACH debits or a percentage of credit card sales. This means your repayment amount fluctuates with revenue but withdrawals occur every business day, which can strain cash flow during slow periods.
- Most MCA agreements require a personal guarantee from the business owner. In the event of default, the MCA provider may pursue the owner's personal assets, including bank accounts and property.
- MCA providers commonly file UCC-1 liens against your business assets. This lien may prevent you from obtaining additional financing until the advance is fully repaid and the lien is released.
- Merchant cash advances are not regulated by federal lending laws such as the Truth in Lending Act (TILA). State regulations vary widely, and some states have limited consumer protections for MCA products.
- Stacking multiple merchant cash advances (taking a second advance before the first is repaid) significantly increases the risk of default and can lead to aggressive collection actions including confessions of judgment in some jurisdictions.
- Zogby does not provide merchant cash advances or business financing. We are an independent comparison service. We do not fund advances, process applications, or guarantee approval on your behalf.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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