Alternatives to UK specialty finance lenders
Pick the lender you're considering or were just declined by. Each page surfaces 4 UK alternatives compared on rate, ticket band, decision time and eligibility.
| Lender | Product | Ticket | Decision |
|---|---|---|---|
| Alternatives to Liberis | Merchant cash advance and BNPL for SMBs | £1k to £1m | Same day to 48 hours |
| Alternatives to YouLend | Embedded MCA / revenue-based finance | £1k to £1m | Same day |
| Alternatives to Capify | Merchant cash advance + term loan | £3.5k to £500k | Same day |
| Alternatives to 365 Business Finance | Merchant cash advance | £10k to £500k | 24 to 48 hours |
| Alternatives to Bizcap | Specialist post-decline / fast cash | £5k to £500k | Same day |
| Alternatives to JPM Capital | Specialist post-decline term loans and MCA | £5k to £500k | Same day to 48 hours |
| Alternatives to iwoca | Flexi-loan / line of credit | £1k to £500k | Same day to 24 hours |
| Alternatives to Funding Circle | Term loan | £10k to £500k | 1 to 3 business days |
| Alternatives to Allica Bank | SME term loan + commercial mortgage | £150k to £5m | 5 to 10 business days |
| Alternatives to OakNorth | SME term loan + bridging | £500k to £50m+ | 7 to 14 business days |
| Alternatives to Aldermore | Asset finance, invoice finance, commercial mortgages | £25k to £5m | 5 to 10 business days |
| Alternatives to Time Finance | Asset finance, invoice finance, vehicle finance | £10k to £2m | 2 to 5 business days |
| Alternatives to Start Up Loans Company | Government-backed unsecured personal loan to fund a UK start-up | £500 to £25k per founder (max £100k per business) | 4 to 8 weeks |
Frequently asked questions
What is an alternatives page?
Each alternatives page takes a UK specialty finance lender you are considering or were just declined by, then sets out comparable UK options side by side on product type, ticket band, typical rate, decision time and eligibility. It is a like-for-like comparison, not a ranking.
Why look at alternatives to a lender?
A single specialty lender suits a specific product, ticket size and trading profile. Comparing alternatives lets you check whether another UK provider fits your deal better on rate, ticket band or decision time, which matters most when your first choice has declined you.
How many lenders are covered here?
13 lenders have a dedicated alternatives page, each comparing that lender against four UK options on the same criteria. Pick the one you are weighing up from the table below to see its alternatives.
Last reviewed: 2026-05-18. Editorial by Oliver Mackman.