4 UK specialty finance alternatives to Liberis, compared on product type, ticket band, rate, decision time and eligibility.
Liberis vs the 4 alternatives
| Compared on | Liberis | YouLend | Capify | 365 Business Finance | Bizcap |
|---|---|---|---|---|---|
| Product | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMEs | Embedded MCA / revenue-based finance | Short-term business loans and supplier invoice payment | Merchant cash advance (revenue-based finance) | Specialist post-decline / fast cash |
| Ticket | £1k to £1m (its own figure) | Up to £2m (its own figure) | £10k to £3m | £10k to £500k (its own figure) | £5k to £1m (its own figure) |
| Rate | One fixed fee, repaid as a percentage of sales (quoted per offer) | Fixed fee, repaid as a percentage of sales (quoted per offer) | Factor rate set by risk (not published) | One fixed cost, repaid as a percentage of card sales (quoted per offer) | Factor rate set per application, plus an establishment fee |
| Decision | Funds in as little as 24 hours (its own figure) | Approval in as little as 24 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) | Decision in as little as 3 hours (its own figure) |
| Soft search | No | Yes | Yes | Yes | Yes |
| FundBiz editorial tier | Strong | Strong | Strong | Strong | Solid |
Sources: each lender's own published product pages, as recorded in our lender index: Liberis · YouLend · Capify · 365 Business Finance · Bizcap. Figures change; confirm with the lender before you rely on one.
YouLend
Approval in as little as 24 hours (its own figure) · Fixed fee, repaid as a percentage of sales (quoted per offer)Embedded-finance specialist that suits businesses selling through Amazon, eBay, Just Eat, Shopify, Etsy or a similar platform that partners with YouLend.
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.
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.
Frequently asked questions
What are the main alternatives to Liberis?
The closest UK specialty finance alternatives are YouLend, Capify, 365 Business Finance and Bizcap. The table above sets them side by side with Liberis.
How does Liberis compare on ticket size and rate?
Liberis offers revenue-based finance (merchant cash advance style) and pay-over-time funding for SMEs, with tickets of £1k to £1m (its own figure). Its pricing: one fixed fee, repaid as a percentage of sales (quoted per offer).
How quickly does Liberis make a decision?
Decision time for Liberis: Funds in as little as 24 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 Liberis do a soft-search quote?
Liberis doesn't offer a soft-search quote at the eligibility stage. Among the alternatives, YouLend, Capify, 365 Business Finance and Bizcap 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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