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Capify vs iwoca
Compare suitability, cost model, commitment, eligibility, capabilities and limitations using the same verified product data.
| Comparison | Capify | iwoca |
|---|---|---|
| Best for | SMEs comparing business-loan routes | Small businesses needing flexible working-capital finance |
| Cost | Quote required | Personalised finance cost; rates from 1.5% per 30 days |
| Pricing basis | provider quotation | business loan/credit pricing |
| Commitment | Finance term varies by offer | Subject to credit; term depends on product |
| Eligibility | Subject to lender eligibility and credit assessment. | Subject to lender eligibility and credit assessment. |
| Key capabilities | Business loans · Online enquiry · SME focus · Repayment options | Business finance · Online application · Flexible drawdown on relevant products · Repayment tools |
| Reasons to consider | Business lending specialism · Useful additional quote route | Small-business focus · Flexible proposition |
| Things to check | Compare total repayable and security · Eligibility varies | Cost can be higher than some secured routes · Short-term convenience should not replace affordability analysis |
| Verified | 2026-09-02 | 2026-09-02 |
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