Alternatives to Liberis

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

Liberis vs the 4 alternatives

Liberis compared with 4 alternatives, last reviewed 2026-05-10
Liberis YouLend Capify 365 Business Finance Bizcap
Product Merchant cash advance and BNPL for SMBsEmbedded MCA / revenue-based financeMerchant cash advance + term loanMerchant cash advanceSpecialist post-decline / fast cash
Ticket £1k to £1m£1k to £1m£3.5k to £500k£10k to £500k£5k to £500k
Rate Factor rate 1.10 to 1.40Factor rate 1.06 to 1.45Factor rate 1.15 to 1.45Factor rate 1.10 to 1.40Factor 1.20 to 1.50 / per-month equivalent
Decision Same day to 48 hoursSame daySame day24 to 48 hoursSame day
Soft search YesYesYesYesYes
Rating 4.04.04.04.13.6

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.

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.

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 Liberis?

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

Liberis offers merchant cash advance and bnpl for smbs from £1k to £1m 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 Liberis make a decision?

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

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