UK business loan comparisons
Side-by-side comparisons of the UK business lenders SMBs actually consider. Each matchup covers rate, ticket band, decision time, soft-search and eligibility. We group by buyer segment so the comparisons stay semantically meaningful.
Looking for an editorial deep-dive on a specific matchup? See our /compare/ pages.
Merchant cash advance (MCA)
- Liberis vs YouLendTwo leading UK card-acquirer MCA providers (Stripe Capital alternative class) for retail and hospitality.
- 365 Business Finance vs LiberisCard-based MCA providers compared on factor rate, hold-back, sector reach.
- Capify vs LiberisTwo UK MCA providers compared on speed, ticket band and underwriting flexibility.
- Bizcap vs CapifyHigh-risk-tolerant Australian-origin MCA vs UK-native MCA brand.
- Capify vs YouLendCard-acquirer MCA vs general UK MCA: which fits which trade profile.
- Bizcap vs JPM CapitalFast-decision MCA territory compared on speed, factor rates and turnover-band fit.
- 365 Business Finance vs CapifyTwo long-running UK MCA providers compared across retail, hospitality and ecommerce profiles.
Term loans
- Fleximize vs Funding CircleMarketplace-backed term loans vs flexible-revenue term lender.
- Fleximize vs Just CashflowTwo UK term lenders with flexible repayment options compared.
- Funding Circle vs Just CashflowEstablished UK SMB term lenders compared on rate, ticket and decision speed.
- Fleximize vs iwocaFlexible-revenue term lender vs short-term cashflow finance specialist.
PRA challenger banks
- Allica Bank vs Shawbrook BankTwo PRA-regulated UK SME challenger banks compared on rate and ticket band.
- OakNorth vs Shawbrook BankMid-market challenger banks compared on commercial lending appetite.
- Aldermore vs Shawbrook BankEstablished UK challenger banks for asset finance and term loans.
- Aldermore vs Allica BankChallenger banks compared on asset finance pricing and ticket band.
Fintech short-term lenders
Cross-class search matchups
- Capify vs Funding CircleTerm loan vs MCA: when each fits which UK SMB cashflow profile.
- Funding Circle vs LiberisTerm-loan provider vs MCA card-acquirer for SMB working capital.
- iwoca vs OakNorthFintech short-term lender vs challenger bank mid-market lender.
- Allica Bank vs iwocaChallenger bank vs fintech: structured term vs short-term cashflow.
Last reviewed: 2026-05-16. Editorial by Oliver Mackman.