365 Business Finance vs Capify: Which UK Business Loan Provider in 2026?
365 Business Finance edges this matchup in our 2026 UK review, scoring 4.1 of 5 against Capify on 4.0. 365 Business Finance runs a merchant cash advance at Factor rate 1.10 to 1.40 with decisions in 24 to 48 hours; Capify runs a merchant cash advance + term loan at Factor rate 1.15 to 1.45. That said, the headline rating is not the whole answer: Capify beats 365 Business Finance for hospitality, retail, salons. Read the side-by-side, then jump to the "when X wins" sections for the buyer-fit logic.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 26 April 2026
Side-by-side
| 365 Business Finance | Capify | |
|---|---|---|
| Product type | Merchant cash advance | Merchant cash advance + term loan |
| Founded | 2011 | 2013 |
| Ticket range | £10k to £500k | £3.5k to £500k |
| Typical rate | Factor rate 1.10 to 1.40 | Factor rate 1.15 to 1.45 |
| Decision time | 24 to 48 hours | Same day |
| Soft search at quote | Yes | Yes |
| Limited companies only | No | No |
| FCA regulated | Yes | Yes |
| Companies House | 07475281 | 10183728 |
| Best for | Hospitality, retail, e-commerce; £25k+ tickets; PG-averse Ltd directors | Hospitality, retail, salons; Strong card-machine flow; Post-decline applicants |
| Overall rating | 4.1 / 5 | 4.0 / 5 |
| Trustpilot | 4.6/5 (5,500 reviews) | 4.5/5 (4,500 reviews) |
| Last reviewed | 2026-04-26 | 2026-04-26 |
When 365 Business Finance wins
- Direct lender; no broker fee added.
- No PG available for some applicants (rare in MCA).
- Daily or weekly repayment options.
- Strong reputation in trade press.
Best for
Hospitality, retail, e-commerce, £25k+ tickets, PG-averse Ltd directors.
Watch outs
- Factor-rate model same opacity issue as Capify.
- Cash-advance only; no term loan option.
- Below £10k tickets not entertained.
When Capify wins
- Repayments scale with daily card sales; no fixed monthly burden.
- More accommodating on credit history than mainstream term-loan lenders.
- Same-day decisions and funding.
- Strong specialism in hospitality and retail.
Best for
Hospitality, retail, salons, Strong card-machine flow, Post-decline applicants.
Watch outs
- Factor rate disguises true APR; 1.30 over 9 months is around 60% APR equivalent.
- Tied to card-machine sales: bad fit if your card volume is low.
- Daily repayment model can pinch cashflow for seasonal businesses.
FAQ
365 Business Finance or Capify: which is the better UK business loan in 2026?
365 Business Finance scores higher overall in our 2026 review at 4.1 of 5 versus 4.0 for Capify. That said, the right answer depends on what you trade and what you need. 365 Business Finance is the stronger pick for hospitality, retail, e-commerce, while Capify is the stronger pick for hospitality, retail, salons. If your business sits inside one of those use cases, ignore the headline rating and pick for fit.
What rates and ticket bands do 365 Business Finance and Capify offer?
365 Business Finance runs a merchant cash advance with tickets of £10k to £500k at Factor rate 1.10 to 1.40. Capify runs a merchant cash advance + term loan with tickets of £3.5k to £500k at Factor rate 1.15 to 1.45. Decision time on 365 Business Finance is 24 to 48 hours; on Capify it is same day. Headline rates rarely match the offered rate, so verify on the lender site before committing, and assume bespoke pricing above £100k where the data allows it.
Eligibility: 365 Business Finance vs Capify, who qualifies?
365 Business Finance is soft-search at quote stage (no credit-file footprint) and accepts sole traders and partnerships as well as Ltd companies. Capify is soft-search at quote and accepts sole traders and partnerships as well as Ltd companies. 365 Business Finance is FCA regulated; Capify is FCA regulated.
Which is the wrong answer for what?
365 Business Finance is the wrong answer for sub-£10k. Capify is the wrong answer for b2b service businesses. If either of those describes your business, look at the side-by-side table for the alternative, or get a quote from our UK lender panel and we will surface the right shortlist.
Can BestBusinessLoans help me choose between 365 Business Finance and Capify?
Yes. Our reviews are editorial; we run a UK lender panel via our /get-quotes/ form that includes both. Tell us monthly turnover, sector and what you need the money for. We match you against the lenders most likely to approve and beat your current cost, then route the application without affecting your credit file at quote stage.
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Get quotes →Reviewed by Oliver Mackman, Director. Last reviewed: 2026-04-26. Editorial by Best Business Loans Ltd (16833937).