Alternatives to YouLend

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

YouLend vs the 4 alternatives

YouLend compared with 4 alternatives, last reviewed 2026-05-10
	YouLend	Liberis	Capify	365 Business Finance	Bizcap
Product	Embedded MCA / revenue-based finance	Merchant cash advance and BNPL for SMBs	Merchant cash advance + term loan	Merchant cash advance	Specialist post-decline / fast cash
Ticket	£1k to £1m	£1k to £1m	£3.5k to £500k	£10k to £500k	£5k to £500k
Rate	Factor rate 1.06 to 1.45	Factor rate 1.10 to 1.40	Factor rate 1.15 to 1.45	Factor rate 1.10 to 1.40	Factor 1.20 to 1.50 / per-month equivalent
Decision	Same day	Same day to 48 hours	Same day	24 to 48 hours	Same day
Soft search	Yes	Yes	Yes	Yes	Yes
Rating	4.0	4.0	4.0	4.1	3.6

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.

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 YouLend?

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

YouLend offers embedded mca / revenue-based finance from £1k to £1m at a typical Factor rate 1.06 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 YouLend make a decision?

YouLend 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 YouLend do a soft-search quote?

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