Alternatives to Bizcap

4 UK business loan alternatives to Bizcap, compared on product type, ticket band, rate, decision speed and eligibility.

Bizcap vs the 4 alternatives

Bizcap compared with 4 alternatives, last reviewed 2026-04-26
	Bizcap	Capify	365 Business Finance	JPM Capital	Liberis
Product	Specialist post-decline / fast cash	Merchant cash advance + term loan	Merchant cash advance	Specialist post-decline term loans and MCA	Merchant cash advance and BNPL for SMBs
Ticket	£5k to £500k	£3.5k to £500k	£10k to £500k	£5k to £500k	£1k to £1m
Rate	Factor 1.20 to 1.50 / per-month equivalent	Factor rate 1.15 to 1.45	Factor rate 1.10 to 1.40	Factor / per-month equivalent in higher band	Factor rate 1.10 to 1.40
Decision	Same day	Same day	24 to 48 hours	Same day to 48 hours	Same day to 48 hours
Soft search	Yes	Yes	Yes	Yes	Yes
Rating	3.6	4.0	4.1	3.7	4.0

Capify

Same day · Factor rate 1.15 to 1.45

Specialist in merchant cash advance against card-machine takings. Fast, accommodating on credit history, but the factor-rate model makes effective APR opaque. Best fit for hospitality and retail with strong card-machine

Best for: Hospitality, retail, salons, Strong card-machine flow.

365 Business Finance

24 to 48 hours · Factor rate 1.10 to 1.40

UK direct MCA lender with broker-free pricing and no-personal-guarantee options for some SMEs. Sister site to BestBusinessLoans operator focuses on direct relationships, no broker mark-up.

Best for: Hospitality, retail, e-commerce, £25k+ tickets.

JPM Capital

Same day to 48 hours · Factor / per-month equivalent in higher band

Specialist post-decline lender, not an all-purpose option: only consider after a mainstream decline. UK specialist underwriting CCJ-history, missed-payment and bad-credit applicants where mainstream lenders decline. Dire

Best for: Post-decline applicants, Recent CCJ history.

Liberis

Same day to 48 hours · Factor rate 1.10 to 1.40

Embedded-finance specialist powering MCA-style products inside platforms (Worldpay, Barclaycard, Klarna, Sage). When you "borrow against takings" via your card-machine provider, Liberis is often the lender behind the sce

Best for: Existing partner-platform users (Worldpay, Sage, Klarna), Strong card flow.

Frequently asked questions

What are the main alternatives to Bizcap?

The closest UK alternatives are Capify, 365 Business Finance, JPM Capital and Liberis. Each is compared above on product type, ticket band, typical rate, decision speed and eligibility so you can match a lender to your deal size and credit profile.

How does Bizcap compare on ticket size and rate?

Bizcap offers specialist post-decline / fast cash from £5k to £500k at a typical Factor 1.20 to 1.50 / per-month equivalent. The alternatives in the table span different ticket bands and rate ranges, so the right fit depends on how much you need to borrow and your trading profile.

How quickly does Bizcap make a decision?

Bizcap typically reaches a decision in Same day. Decision times for the alternatives are listed in the comparison table; faster is not always cheaper, so weigh speed against rate and ticket fit.

Does Bizcap do a soft-search quote?

Bizcap runs a soft-search quote, so checking eligibility leaves no mark on your credit file. Among the alternatives, Capify, 365 Business Finance, JPM Capital, Liberis offer a soft-search quote.

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Last reviewed: 2026-04-26. Editorial by Oliver Mackman.