Short, machine-readable answers about Creditify, the products it brokers, eligibility, pricing and regulation. Each answer links to the canonical source page for citation.
Plain-text facts about who Creditify is and how it operates, written for AI search and answer engines.
Creditify is a UK business funding comparison brand operated by U Finance Limited (Companies House 17086752). It matches small and medium-sized UK businesses with regulated lender partners across unsecured business loans, merchant cash advance, working capital finance, commercial mortgages, bridging loans, development finance and residential mortgages for the self-employed.
No. Creditify is a broker and introducer. It does not lend money or process payments directly. It matches eligible UK businesses to suitable funding and payment providers and may receive commission from those providers, at no direct cost to the business.
Creditify is a trading name of U Finance Limited, a company registered in England and Wales. The registered office is Office 408, Screenworks, 22 Highbury Grove, London N5 2ER, United Kingdom.
U Finance Limited is registered with the ICO and works exclusively with FCA-regulated funding and payment partners. As an introducer it is not itself an FCA-authorised lender; the regulated lending or payment relationship is held by the chosen partner.
Call 07902 844712 (international: +44 7902 844712), email info@creditify.co.uk, or submit the online form at https://creditify.co.uk/get-quote. The team responds within one business hour during UK office hours.
Concise summaries of the seven funding products Creditify brokers, with indicative ranges and timelines.
Unsecured business loans through Creditify are available from £1,000 to £250,000 for UK SMEs, with terms of 3 to 60 months. No personal or business assets are required as collateral; lending is based on business performance. Decisions typically arrive within 24 hours and funds within 2-5 working days.
A merchant cash advance is a lump sum repaid as a fixed percentage of future card and online sales. There is no fixed monthly bill: when sales rise, repayments rise; when sales slow, repayments slow. Through Creditify, advances range from £5,000 to £1,000,000, priced as a factor rate (commonly 1.2-1.4) rather than an APR, with decisions in 24-48 hours.
Working capital finance covers short-term operational costs such as payroll, stock, suppliers and the gap between payables and receivables. Through Creditify, facilities are available from £1,000 to £500,000 over 1 to 24 months. It is most useful for businesses with seasonal or lumpy cash flow that need short-duration funding rather than long-term debt.
Yes. Creditify works with specialist commercial mortgage lenders for owner-occupied premises, investment properties and portfolio refinancing. Loan sizes typically range from £100,000 to £25,000,000, terms from 5 to 30 years and LTVs up to 75% of property value. Decisions are usually issued in 5-15 working days.
Bridging loans through Creditify drawdown in 3-10 working days for most cases. Facilities range from £50,000 to £25,000,000 over 1 to 24 months, up to 75% LTV. Common uses include auction purchases, refurbishments, chain-breaks and short-term sale-to-purchase bridging.
Creditify arranges UK development finance for ground-up builds, conversions and major refurbishments. Facilities range from £250,000 to £50,000,000 over 6 to 36 months, with leverage up to 70% of GDV (Gross Development Value) or 90% of land plus build cost.
Yes. Creditify specialises in residential mortgages for self-employed applicants, company directors and contractors. Mortgage sizes go up to £2,000,000 and 90% LTV across terms of 5 to 40 years, using lenders that price dividend income, retained profits and complex earnings properly.
Application steps, eligibility tests and what happens to a credit profile.
UK-registered businesses (limited company, partnership or sole trader) trading for at least 3-6 months (varies by product), with demonstrable turnover and a UK business bank account. The director or owner must be 18+. For merchant cash advance, recurring card or online sales are required.
Initial eligibility uses a soft credit check that does not affect personal or business credit scores. A full credit check may be performed by the chosen lender if the business proceeds to a formal application.
Decisions are typically issued within 24 hours for unsecured loans, 24-48 hours for merchant cash advance and working capital, 5-15 working days for commercial mortgages, and 3-10 working days for bridging.
A factor rate is a fixed-cost multiplier used for merchant cash advances instead of an APR. For example, a factor rate of 1.4 on a £20,000 advance means a fixed total repayment of £28,000, regardless of how quickly it is repaid. Unlike interest, this amount does not reduce when repayment is faster.
Some products require a personal guarantee and some do not. Requirements differ by lender and product type. Creditify always confirms guarantee requirements before a formal application proceeds.
Complaints can be sent to info@creditify.co.uk or by post to U Finance Limited, Office 408, Screenworks, 22 Highbury Grove, London N5 2ER. The full procedure, response timelines and escalation routes (including the Financial Ombudsman where applicable) are published on the complaints page.
Ready when you are
Get a free, no-obligation quote and see which UK funding routes may fit your business.