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.
Check your optionsFree · 2 mins
| Lender | Product | Ticket | Decision |
|---|---|---|---|
| Alternatives to Liberis | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMEs | £1k to £1m (its own figure) | Funds in as little as 24 hours (its own figure) |
| Alternatives to YouLend | Embedded MCA / revenue-based finance | Up to £2m (its own figure) | Approval in as little as 24 hours (its own figure) |
| Alternatives to Capify | Short-term business loans and supplier invoice payment | £10k to £3m | Decision in minutes; same-day funding on unsecured loans, 24 to 48 hours on secured (its own figures) |
| Alternatives to 365 Business Finance | Merchant cash advance (revenue-based finance) | £10k to £500k (its own figure) | Funds in as little as 24 hours (its own figure) |
| Alternatives to Bizcap | Specialist post-decline / fast cash | £5k to £1m (its own figure) | Decision in as little as 3 hours (its own figure) |
| Alternatives to JPM Capital | Specialist unsecured business loans, including post-decline cases | £5k to £50k (its own figure) | Typically 24 to 48 hours (its own figure) |
| Alternatives to iwoca | Flexi-loan / line of credit | £1k to £1m (its own figure) | Many customers get an instant decision; larger loans within 24 hours (its own figures) |
| Alternatives to Funding Circle | Term loan | £10k to £750k (its own figure) | Decision in as little as 5 minutes, funds typically within 48 hours (its own figures) |
| Alternatives to Allica Bank | SME term loan, asset finance + commercial mortgage | £25,001 to £150,000 (business loans); £25k to £2.5m (asset finance); £150k to £15m (commercial mortgages) (its own figures) | Decision by the next working day (its own aim) |
| Alternatives to OakNorth | SME term loan + bridging | £1m to tens of millions (its own figure) | Funds can be with you in a matter of weeks (its own words) |
| Alternatives to Aldermore | Asset finance, invoice finance, commercial mortgages | Commercial real estate loans of £3m to £100m (its own figures); not published for asset or invoice finance | Not published |
| Alternatives to Time Finance | Asset finance, invoice finance, vehicle finance | Not published overall; secured loans of £50k to £500k (its own figures) | Not published |
| 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) | Application takes as little as 2 to 3 weeks, often 2 to 3 months or longer (its own figure) |
Frequently asked questions
What is an alternatives page?
Each alternatives page takes a UK specialty finance lender you're 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're weighing up from the table below to see its alternatives.
Last updated: . By Adam Parker.