Lender alternatives
Alternatives to JPM Capital
4 UK specialty finance alternatives to JPM Capital, compared on product type, ticket band, rate, decision time and eligibility.
Check your optionsFree · 2 mins
JPM Capital vs the 4 alternatives
| Compared on | JPM Capital | Bizcap | Capify | Liberis | 365 Business Finance |
|---|---|---|---|---|---|
| Product | Specialist unsecured business loans, including post-decline cases | Specialist post-decline / fast cash | Short-term business loans and supplier invoice payment | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMEs | Merchant cash advance (revenue-based finance) |
| Ticket | £5k to £50k (its own figure) | £5k to £1m (its own figure) | £10k to £3m | £1k to £1m (its own figure) | £10k to £500k (its own figure) |
| Rate | Quoted per application (not published) | Factor rate set per application, plus an establishment fee | Factor rate set by risk (not published) | One fixed fee, repaid as a percentage of sales (quoted per offer) | One fixed cost, repaid as a percentage of card sales (quoted per offer) |
| Decision | Typically 24 to 48 hours (its own figure) | 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) | Funds in as little as 24 hours (its own figure) |
| Soft search | Yes | Yes | Yes | No | Yes |
| FundBiz editorial tier | Solid | Solid | Strong | Strong | Strong |
Sources: each lender's own published product pages, as recorded in our lender index: JPM Capital · Bizcap · Capify · Liberis · 365 Business Finance. Figures change; confirm with the lender before you rely on one.
Bizcap
Decision in as little as 3 hours (its own figure) · Factor rate set per application, plus an establishment feePost-decline specialist that can suit a business already declined by Funding Circle, iwoca or the high street that still needs cash quickly.
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.
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).
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.
Frequently asked questions
What are the main alternatives to JPM Capital?
The closest UK specialty finance alternatives are Bizcap, Capify, Liberis and 365 Business Finance. The table above sets them side by side with JPM Capital.
How does JPM Capital compare on ticket size and rate?
JPM Capital offers specialist unsecured business loans, including post-decline cases, with tickets of £5k to £50k (its own figure). Its pricing: quoted per application (not published).
How quickly does JPM Capital make a decision?
Decision time for JPM Capital: Typically 24 to 48 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 JPM Capital do a soft-search quote?
JPM Capital runs a soft-search quote, so it says checking eligibility doesn't affect your credit score. Among the alternatives, Bizcap, Capify and 365 Business Finance offer a soft-search quote.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. It's free and there's no obligation. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →
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.
Last updated: