Alternatives to 365 Business Finance

4 UK specialty finance alternatives to 365 Business Finance, compared on product type, ticket band, rate, decision time and eligibility.

365 Business Finance vs the 4 alternatives

365 Business Finance compared with 4 alternatives, last reviewed 2026-05-10
365 Business Finance Capify Liberis YouLend Bizcap
Product Merchant cash advanceMerchant cash advance + term loanMerchant cash advance and BNPL for SMBsEmbedded MCA / revenue-based financeSpecialist post-decline / fast cash
Ticket £10k to £500k£3.5k to £500k£1k to £1m£1k to £1m£5k to £500k
Rate Factor rate 1.10 to 1.40Factor rate 1.15 to 1.45Factor rate 1.10 to 1.40Factor rate 1.06 to 1.45Factor 1.20 to 1.50 / per-month equivalent
Decision 24 to 48 hoursSame daySame day to 48 hoursSame daySame day
Soft search YesYesYesYesYes
Rating 4.14.04.04.03.6

Capify

Same day · Factor rate 1.15 to 1.45

Panel MCA specialist we route to for hospitality, retail and salon Ltds with strong card-machine flow, including post-decline files where credit history blocks a Funding Circle or iwoca term loan. Comfortable with sub-12

Best for: Hospitality, retail and salon Ltds with strong card-machine flow, Post-decline files where mainstream term lenders blocked on credit history.

Liberis

Same day to 48 hours · Factor rate 1.10 to 1.40

Panel embedded-finance specialist we route to when the applicant already has a relationship with a partner platform (Worldpay, Barclaycard, Klarna, Sage). The application is often pre-approved through that platform rathe

Best for: Existing Worldpay, Barclaycard, Klarna or Sage users with strong card flow, Ecommerce Ltds wanting embedded-finance journeys.

YouLend

Same day · Factor rate 1.06 to 1.45

Panel embedded-finance specialist we route to when the applicant sells through Amazon, eBay, Just Eat, Deliveroo, Shopify or a similar marketplace. Pre-approval is often already sitting inside the platform, so the matche

Best for: Marketplace sellers on Amazon, Shopify, eBay, Deliveroo or Just Eat, Ecommerce Ltds with strong gateway flow and pre-approved offers.

Bizcap

Same day · Factor 1.20 to 1.50 / per-month equivalent

Panel post-decline specialist we route to when Funding Circle, iwoca and the high-street alternatives have already declined and the applicant still needs cash quickly. Bizcap takes files our mainstream lenders refuse and

Best for: Applicants already declined by mainstream panel lenders who still need cash this week, CCJ history and recent missed payments where Capify and 365 will not stretch.

Frequently asked questions

What are the main alternatives to 365 Business Finance?

The closest UK specialty finance alternatives are Capify, Liberis, YouLend and Bizcap. Each is compared above on product type, ticket band, typical rate, decision time and eligibility so you can match a lender to your deal size and trading profile.

How does 365 Business Finance compare on ticket size and rate?

365 Business Finance offers merchant cash advance from £10k to £500k at a typical Factor rate 1.10 to 1.40. The alternatives in the table span different ticket bands and rate ranges, so the right fit depends on how much you need and your trading profile.

How quickly does 365 Business Finance make a decision?

365 Business Finance typically reaches a decision in 24 to 48 hours. Decision times for the alternatives are listed in the comparison table; faster is not always cheaper, so weigh speed against rate and ticket fit.

Does 365 Business Finance do a soft-search quote?

365 Business Finance runs a soft-search quote, so checking eligibility leaves no mark on your credit file. Among the alternatives, Capify, Liberis, YouLend, Bizcap offer a soft-search quote.

Check eligibility for our specialty panel

Limited companies, LLPs and partnerships of 4+ only. Specialty UK finance for MCA, asset finance, commercial mortgage, bridging, VAT and post-decline.

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Last reviewed: 2026-05-10. Editorial by Oliver Mackman.