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 compared with 4 alternatives, last reviewed 2026-04-26
	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 1.40

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.

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.

iwoca

Same day to 24 hours · From 2% per month

iwoca 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

Best for: Working capital and cash-flow gaps, Newer Ltd companies (12 months+).

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.