One fee. Zero hidden charges.
Pay the same amount whenever you repay — one fee, no mark-ups. Calculate exactly how much your financing will cost before you even accept an offer.
Calculate your financing
Slide to your amount, pick a product and a term. The numbers update instantly — no application, no email, no commitment.
The Fixed-Instalment Loan carries the lowest fee — you repay a fixed monthly instalment. The Cash Advance suits businesses with seasonal sales.
This estimate is indicative. Your final, binding offer is sent before you accept — with no hidden charges.
Instalment preview
See how the total repayment is spread per month, according to the product and term you selected.
| Instalment | Amount | Status |
|---|
Preview for the Fixed-Instalment Loan — fixed monthly instalments. For the Cash Advance, repayment is a percentage of your sales, with an indicative duration equal to the selected term.
What we do NOT charge
Nine out of ten businesses have never seen pricing like this. Here is what you will never see on a Capify invoice.
Application or origination fee
Reviewing your application and preparing your offer is free. We never charge a percentage of the funding amount or fees for opening the product.
€0 — application review, offer and approval
Early repayment fee
Repay early whenever you like. Pay exactly the same total amount — the same amount whenever you settle.
€0 — early repayment, with no mark-ups
Late payment penalties
No late-payment interest and no mark-ups. If a week is tough, we simply talk about the next instalment.
€0 — penalties, late interest and surcharges
Hidden charges
No subscriptions, administration fees, advisory costs or “service packages”. The amount you see in the calculator is the only thing you pay.
€0 — no administration fees, subscriptions or packages
Questions about pricing
The fee is a single factor between 1.08 and 1.32, depending on the product and the term. The Fixed-Instalment Loan is the most economical option (×1.08 for 3 months, ×1.16 for 6, ×1.24 for 9). The Cash Advance ranges from ×1.14 to ×1.32. The factor is applied once, at the start — there are no interest charges, surcharges or annual fees.
Yes, at any time. You pay the same amount whenever you repay — there is no early repayment fee, and the total amount is neither reduced nor increased. Just let our team know and we will wrap up the settlement.
With the Fixed-Instalment Loan you repay in fixed monthly instalments (3, 6 or 9), as shown in the preview above. With the Cash Advance, repayment is tied to your sales: you pay a pre-agreed percentage of your daily transactions, with an indicative duration equal to the selected term.
No. We never charge an application or origination fee, early settlement amounts, late penalties, subscriptions or administration fees. The only thing you pay is the one fee you see in the calculator — and that is binding before you accept.
No, it is indicative. The calculator uses our standard factors so you can see the cost and the repayment plan in seconds. Your final, binding offer is sent to your team before you accept — and if the offer does not suit you, you simply do not accept. There is no commitment.
Ready to find out how much you can get?
Apply in under 10 minutes. Decision in under 24 hours. Funds within 1 hour of acceptance.