Bizcap vs Capify: Which UK Business Loan Provider in 2026?
Capify edges this matchup in our 2026 UK review, scoring 4.0 of 5 against Bizcap on 3.6. Capify runs a merchant cash advance + term loan at Factor rate 1.15 to 1.45 with decisions in same day; Bizcap runs a specialist post-decline / fast cash at Factor 1.20 to 1.50 / per-month equivalent. That said, the headline rating is not the whole answer: Bizcap beats Capify for recently declined applicants. 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
| Bizcap | Capify | |
|---|---|---|
| Product type | Specialist post-decline / fast cash | Merchant cash advance + term loan |
| Founded | 2018 | 2013 |
| Ticket range | £5k to £500k | £3.5k to £500k |
| Typical rate | Factor 1.20 to 1.50 / per-month equivalent | Factor rate 1.15 to 1.45 |
| Decision time | Same day | Same day |
| Soft search at quote | Yes | Yes |
| Limited companies only | No | No |
| FCA regulated | Yes | Yes |
| Companies House | Not published | 10183728 |
| Best for | Recently declined applicants; CCJ history; Speed prioritised over rate | Hospitality, retail, salons; Strong card-machine flow; Post-decline applicants |
| Overall rating | 3.6 / 5 | 4.0 / 5 |
| Trustpilot | 4.3/5 (800 reviews) | 4.5/5 (4,500 reviews) |
| Last reviewed | 2026-04-26 | 2026-04-26 |
When Bizcap wins
- Post-decline acceptance where others decline.
- Same-day funding.
- Decision transparency on decline reasons accepted.
Best for
Recently declined applicants, CCJ history, Speed prioritised over rate.
Watch outs
- Highest factor-rate range.
- Effective APR can exceed 100% on short paybacks.
- Reputation primarily as a lender of last resort.
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
Bizcap or Capify: which is the better UK business loan in 2026?
Capify scores higher overall in our 2026 review at 4.0 of 5 versus 3.6 for Bizcap. That said, the right answer depends on what you trade and what you need. Bizcap is the stronger pick for recently declined applicants, 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 Bizcap and Capify offer?
Bizcap runs a specialist post-decline / fast cash with tickets of £5k to £500k at Factor 1.20 to 1.50 / per-month equivalent. 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 Bizcap is same day; 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: Bizcap vs Capify, who qualifies?
Bizcap 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. Bizcap is FCA regulated; Capify is FCA regulated.
Which is the wrong answer for what?
Bizcap is the wrong answer for rate-sensitive borrowers. 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 Bizcap 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).