Alternatives to Capify

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

Capify vs the 4 alternatives

Capify compared with 4 alternatives, last reviewed 2026-05-10
Capify 365 Business Finance Liberis Bizcap JPM Capital
Product Merchant cash advance + term loanMerchant cash advanceMerchant cash advance and BNPL for SMBsSpecialist post-decline / fast cashSpecialist post-decline term loans and MCA
Ticket £3.5k to £500k£10k to £500k£1k to £1m£5k to £500k£5k to £500k
Rate Factor rate 1.15 to 1.45Factor rate 1.10 to 1.40Factor rate 1.10 to 1.40Factor 1.20 to 1.50 / per-month equivalentFactor / per-month equivalent in higher band
Decision Same day24 to 48 hoursSame day to 48 hoursSame daySame day to 48 hours
Soft search YesYesYesYesYes
Rating 4.04.14.03.63.7

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.

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.

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.

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.

Frequently asked questions

What are the main alternatives to Capify?

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

Capify offers merchant cash advance + term loan from £3.5k to £500k at a typical Factor rate 1.15 to 1.45. 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 Capify make a decision?

Capify 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 Capify do a soft-search quote?

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