Frequently Asked Questions

Most eligible cases receive a decision within 24 hours. Once approved and completed, funds can be in your account within 2-3 business days.

Funding ranges depend on the product. Unsecured business loans £1,000-£250,000, merchant cash advance £5,000-£1,000,000, working capital £1,000-£500,000, commercial mortgages £100,000-£25,000,000, bridging loans £50,000-£25,000,000, development finance £250,000-£50,000,000 and residential mortgages for business owners up to £2,000,000.

We perform a soft credit check to assess eligibility. This does not affect your credit score. A full credit check may be required by the lender at a later stage.

Our broker relationships often secure preferential rates that aren't available through direct applications. Average 15-25% cheaper factor rates than going direct.

For Merchant Cash Advances, repayments are taken as a small percentage of your daily card sales. For business loans, fixed monthly repayments are made via direct debit.

Creditify works with FCA-regulated funding partners. We are registered with the ICO and comply with all relevant UK financial regulations.

Creditify (a trading name of U Finance Limited) is registered in England and Wales. Registered office: Office 408, Screenworks, 22 Highbury Grove, London N5 2ER, United Kingdom. All team members are UK-based and available during business hours.

Call us on 07902 844712, email info@creditify.co.uk, or fill out our online form. We aim to respond within 1 hour during business hours.