Alternatives to Capify
4 UK business loan alternatives to Capify, compared on product type, ticket band, rate, decision speed and eligibility.
Capify vs the 4 alternatives
| Capify | 365 Business Finance | Liberis | iwoca | Bizcap | |
|---|---|---|---|---|---|
| Product | Merchant cash advance + term loan | Merchant cash advance | Merchant cash advance and BNPL for SMBs | Flexi-loan / line of credit | Specialist post-decline / fast cash |
| Ticket | £3.5k to £500k | £10k to £500k | £1k to £1m | £1k to £500k | £5k to £500k |
| Rate | Factor rate 1.15 to 1.45 | Factor rate 1.10 to 1.40 | Factor rate 1.10 to 1.40 | From 2% per month | Factor 1.20 to 1.50 / per-month equivalent |
| Decision | Same day | 24 to 48 hours | Same day to 48 hours | Same day to 24 hours | Same day |
| Soft search | Yes | Yes | Yes | Yes | Yes |
| Rating | 4.0 | 4.1 | 4.0 | 4.4 | 3.6 |
365 Business Finance
24 to 48 hours · Factor rate 1.10 to 1.40UK 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.
Liberis
Same day to 48 hours · Factor rate 1.10 to 1.40Embedded-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
iwoca
Same day to 24 hours · From 2% per monthiwoca is a UK flexi-loan and line-of-credit provider founded 2011, FCA regulated, tickets £1k to £500k with same-day to 24-hour decisions. The draw-as-you-go structure makes iwoca the best mainstream option for working c
Bizcap
Same day · Factor 1.20 to 1.50 / per-month equivalentSpecialist post-decline lender. Where Funding Circle and iwoca decline, Bizcap often approves. Speed and acceptance come at the highest end of the rate range. Use when other doors close.
Frequently asked questions
What are the main alternatives to Capify?
The closest UK alternatives are 365 Business Finance, Liberis, iwoca and Bizcap. 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 Capify compare on ticket size and rate?
Capify offers merchant cash advance + term loan from £3.5k to £500k at a typical Factor rate 1.15 to 1.45. 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 Capify make a decision?
Capify 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 Capify do a soft-search quote?
Capify runs a soft-search quote, so checking eligibility leaves no mark on your credit file. Among the alternatives, 365 Business Finance, Liberis, iwoca, Bizcap offer a soft-search quote.
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Get quotes →Last reviewed: 2026-04-26. Editorial by Oliver Mackman.