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FAQ

Questions & answers.

Everything you need to know about eligibility, costs, repayments and the Capify process — with clear answers and no fine print.

We look at three basic criteria: 6+ months in operation, €10,000+ monthly revenue and a business registered in Greece or Cyprus. Your sales can come from an e-shop, a marketplace or a combination — what matters is verifiable, recurring sales.

From €10,000 up to €2,000,000. The amount is based on your monthly revenue: as a rule of thumb, 0.6–1.2× your monthly revenue. With €30,000 monthly revenue, for example, you would typically receive €18,000–€36,000.

No. We run a soft credit check only, which does not affect your credit score. Just as important: we require no personal guarantees or equity.

One transparent fee, known upfront. The cost is expressed as a factor and depends on the product and the repayment horizon — typically 1.08–1.32. Pay the same amount whenever you settle. No interest, no origination fees, no hidden charges.

No. We do not charge origination fees, early repayment fees, late fees or any other hidden costs. The binding offer you receive shows the total repayment amount before you accept — that is your total cost, nothing more.

You choose daily, weekly or bi-weekly repayment, over a 3–9 month horizon. With the Cash Advance you repay as a percentage of your sales — you pay less when sales are lower. With the Fixed Instalment Loan you repay in fixed instalments — a predictable plan.

Yes, at any time and without prepayment penalties or fees. Because the fee is one fixed amount, the total repayment never changes — you simply finish it earlier.

Anything that helps your business grow: marketing and advertising, inventory, equipment, hiring, expansion, smoothing out seasonal fluctuations — or a combination. We impose no usage restrictions.

You get a decision in under 24 hours from connecting your platforms and, if approved, disbursement within 1 hour of accepting the offer, straight into your business bank account.

At the start, no documents — only the basic business details on the application. Later, you may be asked for tax or accounting records and a bank statement to verify the application. It varies by case and is never more than what is actually needed.

We connect to Shopify, WooCommerce, Amazon, OpenCart and custom e-shops, as well as your business bank account. If you use something else, talk to us — there is very likely a solution.

Yes. We accept businesses registered in Cyprus with the same process, the same criteria and the same speed — apply in 10 minutes, decision in 24 hours, disbursement within 1 hour of acceptance.

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