Alternatives to 365 Business Finance

4 UK business loan alternatives to 365 Business Finance, compared on product type, ticket band, rate, decision speed and eligibility.

365 Business Finance vs the 4 alternatives

365 Business Finance compared with 4 alternatives, last reviewed 2026-04-26
	365 Business Finance	Capify	Liberis	YouLend	Bizcap
Product	Merchant cash advance	Merchant cash advance + term loan	Merchant cash advance and BNPL for SMBs	Embedded MCA / revenue-based finance	Specialist post-decline / fast cash
Ticket	£10k to £500k	£3.5k to £500k	£1k to £1m	£1k to £1m	£5k to £500k
Rate	Factor rate 1.10 to 1.40	Factor rate 1.15 to 1.45	Factor rate 1.10 to 1.40	Factor rate 1.06 to 1.45	Factor 1.20 to 1.50 / per-month equivalent
Decision	24 to 48 hours	Same day	Same day to 48 hours	Same day	Same day
Soft search	Yes	Yes	Yes	Yes	Yes
Rating	4.1	4.0	4.0	4.0	3.6

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.

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.

YouLend

Same day · Factor rate 1.06 to 1.45

Embedded-finance specialist powering revenue-based finance inside Amazon, eBay, Just Eat, Deliveroo, Shopify and others. Strongest UK option if your revenue lives mostly inside one of those marketplaces.

Best for: Marketplace sellers (Amazon, Shopify, Deliveroo, Just Eat), Strong gateway flow.

Bizcap

Same day · Factor 1.20 to 1.50 / per-month equivalent

Specialist 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.

Best for: Recently declined applicants, CCJ history.

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