Alternatives to YouLend
4 UK business loan alternatives to YouLend, compared on product type, ticket band, rate, decision speed and eligibility.
YouLend vs the 4 alternatives
| YouLend | Liberis | Capify | 365 Business Finance | Bizcap | |
|---|---|---|---|---|---|
| Product | Embedded MCA / revenue-based finance | Merchant cash advance and BNPL for SMBs | Merchant cash advance + term loan | Merchant cash advance | Specialist post-decline / fast cash |
| Ticket | £1k to £1m | £1k to £1m | £3.5k to £500k | £10k to £500k | £5k to £500k |
| Rate | Factor rate 1.06 to 1.45 | Factor rate 1.10 to 1.40 | Factor rate 1.15 to 1.45 | Factor rate 1.10 to 1.40 | Factor 1.20 to 1.50 / per-month equivalent |
| Decision | Same day | Same day to 48 hours | Same day | 24 to 48 hours | Same day |
| Soft search | Yes | Yes | Yes | Yes | Yes |
| Rating | 4.0 | 4.0 | 4.0 | 4.1 | 3.6 |
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
Capify
Same day · Factor rate 1.15 to 1.45Specialist 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
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.
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 YouLend?
The closest UK alternatives are Liberis, Capify, 365 Business Finance 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 YouLend compare on ticket size and rate?
YouLend offers embedded mca / revenue-based finance from £1k to £1m at a typical Factor rate 1.06 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 YouLend make a decision?
YouLend 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 YouLend do a soft-search quote?
YouLend runs a soft-search quote, so checking eligibility leaves no mark on your credit file. Among the alternatives, Liberis, Capify, 365 Business Finance, Bizcap offer a soft-search quote.
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Get quotes →Last reviewed: 2026-04-26. Editorial by Oliver Mackman.