For both Capify's small business loan and merchant cash advance products, the terms vary from 3-12 months. We don’t use interest rates for our funding solutions. Instead, Capify offers an agreed total payback amount based on a factor rate associated with risk. The payback amount also depends on the type of business you operate and the term you require the business finance. This way your business knows upfront the total costs involved, making managing your cash flow simple.