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

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.

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.

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.