4 UK specialty finance alternatives to Bizcap, compared on product type, ticket band, rate, decision time and eligibility.
Bizcap vs the 4 alternatives
| Compared on | Bizcap | Capify | 365 Business Finance | JPM Capital | Liberis |
|---|---|---|---|---|---|
| Product | Specialist post-decline / fast cash | Short-term business loans and supplier invoice payment | Merchant cash advance (revenue-based finance) | Specialist unsecured business loans, including post-decline cases | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMEs |
| Ticket | £5k to £1m (its own figure) | £10k to £3m | £10k to £500k (its own figure) | £5k to £50k (its own figure) | £1k to £1m (its own figure) |
| Rate | Factor rate set per application, plus an establishment fee | Factor rate set by risk (not published) | One fixed cost, repaid as a percentage of card sales (quoted per offer) | Quoted per application (not published) | One fixed fee, repaid as a percentage of sales (quoted per offer) |
| Decision | Decision in as little as 3 hours (its own figure) | Decision in minutes; same-day funding on unsecured loans, 24 to 48 hours on secured (its own figures) | Funds in as little as 24 hours (its own figure) | Typically 24 to 48 hours (its own figure) | Funds in as little as 24 hours (its own figure) |
| Soft search | Yes | Yes | Yes | Yes | No |
| FundBiz editorial tier | Solid | Strong | Strong | Solid | Strong |
Sources: each lender's own published product pages, as recorded in our lender index: Bizcap · Capify · 365 Business Finance · JPM Capital · Liberis. Figures change; confirm with the lender before you rely on one.
Capify
Decision in minutes; same-day funding on unsecured loans, 24 to 48 hours on secured (its own figures) · Factor rate set by risk (not published)Short-term business lender that assesses cash flow and trading history rather than relying only on credit scores, which can help post-decline cases where credit history blocks a Funding Circle or iwoca term loan.
365 Business Finance
Funds in as little as 24 hours (its own figure) · One fixed cost, repaid as a percentage of card sales (quoted per offer)Direct MCA lender suited to £25k+ card-flow advances where the borrower wants a no-intermediary-fee structure.
JPM Capital
Typically 24 to 48 hours (its own figure) · Quoted per application (not published)Unsecured business lender that says it helps businesses through difficult periods, including bad-credit cases where mainstream lenders decline.
Liberis
Funds in as little as 24 hours (its own figure) · One fixed fee, repaid as a percentage of sales (quoted per offer)Embedded-finance specialist that suits businesses with an existing relationship with a partner platform (for example Worldpay, Barclaycard, Klarna, eBay, Dojo or Deliveroo).
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. The table above sets them side by side with Bizcap.
How does Bizcap compare on ticket size and rate?
Bizcap offers specialist post-decline / fast cash, with tickets of £5k to £1m (its own figure). Its pricing: factor rate set per application, plus an establishment fee.
How quickly does Bizcap make a decision?
Decision time for Bizcap: Decision in as little as 3 hours (its own figure). Decision times for the alternatives are listed in the comparison table; faster isn't always cheaper, so weigh speed against rate and ticket fit.
Does Bizcap do a soft-search quote?
Bizcap runs a soft-search quote, so it says checking eligibility doesn't affect your credit score. Among the alternatives, Capify, 365 Business Finance and JPM Capital offer a soft-search quote.
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Founder & Managing Director, Muswell Rose, FundBiz
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. His background runs through commercial finance, mortgages and fintech, including as managing director of an invoice finance business. He oversees FundBiz's guides and lender reviews.
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