Independent ranking
Best UK merchant cash advance (MCA) providers
Independent UK lender rankings matched to your file. Soft credit search only, post-decline routes included; typical decision times vary by product and lender and are stated in the ranking below.
Start here · What do you need?
Our MCA page already names Capify, 365 Business Finance, Liberis and YouLend as the panel MCA providers, each with a different sweet spot on ticket size, sector specialism and credit-history tolerance. Bizcap adds a post-decline route once the cleaner-cost MCA lenders have already said no. All MCA pricing uses a factor rate rather than an APR, so compare the total repayable, not the headline number. This FundBiz ranking assesses 5 UK lenders for "best uk merchant cash advance (mca) providers", weighting primarily on factor-rate and apr-equivalent transparency (25%), card-flow underwriting speed (25%), eligibility breadth (20%) (see the full weighted criteria below). Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product criteria, not customer reviews and not paid placement. Inclusion is never paid for: FundBiz is paid by lenders on completed funding, not for a verdict, and commission never changes a position. Match against the panel in two minutes with a soft search only.
Source: FundBiz methodology, last reviewed 2026-08-03. Editorial by Best Business Loans Ltd (16833937).
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 specialty finance comparison and the logic behind how businesses are matched to lenders.
Last reviewed: 3 August 2026
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Merchant cash advance + term loan · £3.5k to £500k · Same day
Same-day decisions and the deepest hospitality and retail sector underwriting on the panel.
Read full Capify review → -
Merchant cash advance · £10k to £500k · 24 to 48 hours
Direct lender with no broker fee, strong on £25k+ tickets and case-by-case on missed payments.
Read full 365 Business Finance review → -
Merchant cash advance and BNPL for SMBs · £1k to £1m · Same day to 48 hours
Embedded MCA via Worldpay, Barclaycard, Klarna and Sage partnerships, often pre-approved.
Read full Liberis review → -
Embedded MCA / revenue-based finance · £1k to £1m · Same day
Marketplace and gateway-led MCA for Amazon, Shopify and Deliveroo sellers.
Read full YouLend review → -
Specialist post-decline / fast cash · £5k to £500k · Same day
Post-decline MCA route once Capify, 365 and Liberis have already declined.
Read full Bizcap review →
Side-by-side comparison
| Lender | Typical rate | Ticket | Decision | Best for |
|---|---|---|---|---|
| Capify | Factor rate 1.15 to 1.45 | £3.5k to £500k | Same day | Same-day decisions and the deepest hospitality and retail sector underwriting... |
| 365 Business Finance | Factor rate 1.10 to 1.40 | £10k to £500k | 24 to 48 hours | Direct lender with no broker fee, strong on £25k+ tickets and case-by-case on... |
| Liberis | Factor rate 1.10 to 1.40 | £1k to £1m | Same day to 48 hours | Embedded MCA via Worldpay, Barclaycard, Klarna and Sage partnerships, often... |
| YouLend | Factor rate 1.06 to 1.45 | £1k to £1m | Same day | Marketplace and gateway-led MCA for Amazon, Shopify and Deliveroo sellers. |
| Bizcap | Factor 1.20 to 1.50 / per-month equivalent | £5k to £500k | Same day | Post-decline MCA route once Capify, 365 and Liberis have already declined. |
What is the best UK merchant cash advance (MCA) provider?
Capify, 365 Business Finance, Liberis and YouLend are the panel MCA providers named on our MCA page, each with a different sweet spot on ticket size, sector and credit-history tolerance. Bizcap adds a post-decline route once the others have said no.
How does merchant cash advance work?
You receive a lump sum advance against your card-machine or gateway takings, repaid as a percentage of daily or weekly sales rather than a fixed monthly instalment. Repayment scales with trade: a quiet week costs less than a busy one.
What does UK merchant cash advance cost?
MCA is priced by factor rate rather than APR. On this panel, YouLend prices from 1.06, Capify 1.15 to 1.45, 365 Business Finance and Liberis both 1.10 to 1.40, and Bizcap 1.20 to 1.50 for post-decline files. Always convert to the total repayable, not the headline factor.
How fast does merchant cash advance fund?
Capify, YouLend and Bizcap can all decide and fund the same day for accepted applicants. Liberis funds same day to 48 hours. 365 Business Finance typically funds within 24 to 48 hours.
What MCA applications get declined?
No card-machine or gateway flow is the single biggest reason: B2B service businesses with no card terminal are routed to invoice finance or asset finance instead. Bizcap is the post-decline route once Capify, 365 and Liberis have already said no.
How we ranked these
We weight factor-rate and apr-equivalent transparency (25%), card-flow underwriting speed (25%), eligibility breadth (20%), post-decline acceptance (20%), repayment flexibility (10%). Rankings reflect our published editorial methodology, not any commercial arrangement. See our /methodology/ for the full basis.
Methodology weights
Weights specific to "Best UK merchant cash advance (MCA) providers":
- Factor-rate and APR-equivalent transparency25%
- Card-flow underwriting speed25%
- Eligibility breadth20%
- Post-decline acceptance20%
- Repayment flexibility10%
Read the full methodology for how we score and rank every lender on the FundBiz panel.
Also considered
- JPM Capital (post-decline term-loan and MCA hybrid)
Not for
B2B service Ltds with no card-machine or gateway flow; borrowers wanting a fixed monthly repayment (route to Funding Circle or Allica instead).
Check eligibility in two minutes
Tell us ticket size, trading history and sector. We match you against the FundBiz specialty panel and surface the lenders most likely to approve your file, including post-decline routes. Limited companies, LLPs and partnerships of 4+.
Open the eligibility checker →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-08-03. Editorial by Best Business Loans Ltd (16833937).