Alternatives to Bizcap

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

Bizcap vs the 4 alternatives

Bizcap compared with 4 alternatives, last reviewed 2026-05-10
Bizcap Capify 365 Business Finance JPM Capital Liberis
Product Specialist post-decline / fast cashMerchant cash advance + term loanMerchant cash advanceSpecialist post-decline term loans and MCAMerchant cash advance and BNPL for SMBs
Ticket £5k to £500k£3.5k to £500k£10k to £500k£5k to £500k£1k to £1m
Rate Factor 1.20 to 1.50 / per-month equivalentFactor rate 1.15 to 1.45Factor rate 1.10 to 1.40Factor / per-month equivalent in higher bandFactor rate 1.10 to 1.40
Decision Same daySame day24 to 48 hoursSame day to 48 hoursSame day to 48 hours
Soft search YesYesYesYesYes
Rating 3.64.04.13.74.0

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.

365 Business Finance

24 to 48 hours · Factor rate 1.10 to 1.40

Panel direct MCA lender we route to for £25k+ card-flow advances where the applicant wants a no-broker-fee structure. We also send case-by-case post-decline files here when missed payments or recent CCJs sit in the file

Best for: Hospitality, retail and ecommerce Ltds with £20k+ monthly card flow, £25k+ MCA tickets where the applicant wants a direct lender.

JPM Capital

Same day to 48 hours · Factor / per-month equivalent in higher band

Panel post-decline specialist we route to for files with CCJ history, recent missed payments or bad credit where mainstream lenders decline. Direct lender so the rate the applicant sees is the rate they get. We use JPM C

Best for: Post-decline applicants with CCJ history wanting a term loan rather than an MCA, Files with recent missed payments where mainstream lenders blocked.

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.

Frequently asked questions

What are the main alternatives to Bizcap?

The closest UK specialty finance alternatives are Capify, 365 Business Finance, JPM Capital and Liberis. 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 Bizcap compare on ticket size and rate?

Bizcap offers specialist post-decline / fast cash from £5k to £500k at a typical Factor 1.20 to 1.50 / per-month equivalent. 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 Bizcap make a decision?

Bizcap typically reaches a decision in Same day. 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 Bizcap do a soft-search quote?

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