365 Business Finance vs Capify: Which UK Business Finance Provider in 2026?
365 Business Finance edges this matchup in our 2026 UK panel review, scoring 4.1 of 5 against Capify on 4.0. 365 Business Finance runs merchant cash advance at £10k to £500k on factor rate 1.10 to 1.40; Capify runs merchant cash advance + term loan at £3.5k to £500k on factor rate 1.15 to 1.45. That said, the right answer depends on ticket size, trading history and sector. Capify beats 365 Business Finance for hospitality, retail and salon ltds with strong card-machine flow. Read the side-by-side, then jump to the "when X wins" sections for the buyer-fit logic.
Side-by-side
| 365 Business Finance | Capify | |
|---|---|---|
| Product type | Merchant cash advance | Merchant cash advance + term loan |
| Ticket range | £10k to £500k | £3.5k to £500k |
| Typical rate | Factor rate 1.10 to 1.40 | Factor rate 1.15 to 1.45 |
| Decision time | 24 to 48 hours | Same day |
| Soft search at quote | Yes | Yes |
| Ltd-only? | No | No |
| FCA regulated | Yes | Yes |
| Best for | Hospitality, retail and ecommerce Ltds with £20k+ monthly card flow; £25k+ MCA tickets where the applicant wants a direct lender; Ltd directors who refuse personal guarantees | Hospitality, retail and salon Ltds with strong card-machine flow; Post-decline files where mainstream term lenders blocked on credit history; Sub-12-month trading Ltds with 6+ months of card history |
| Overall rating | 4.1 / 5 | 4.0 / 5 |
| Last reviewed | 2026-05-10 | 2026-05-10 |
When 365 Business Finance wins
- Direct lender, so the rate the applicant sees is the rate they get with no broker mark-up layered on top.
- PG-free options on some cases, which we use to unblock Ltd directors who refuse personal guarantees.
- Daily or weekly repayment cadence we can match to the applicant cash-flow profile.
- Case-by-case acceptance on missed payments and small CCJs where mainstream term lenders auto-decline.
Best for
Hospitality, retail and ecommerce Ltds with £20k+ monthly card flow, £25k+ MCA tickets where the applicant wants a direct lender, Ltd directors who refuse personal guarantees.
Watch outs
- Sub-£10k tickets are not entertained, so we route smaller asks to iwoca or Capify instead.
- MCA only with no term-loan alternative, so applicants who want fixed monthly payments go to Funding Circle, Allica or Aldermore.
- Factor-rate model means we have to translate to APR for the applicant in the matcher result.
When Capify wins
- Repayments scale with daily card sales, which we match to seasonal applicants who cannot service a fixed monthly burden.
- More accommodating on credit history than mainstream term-loan lenders, which is why declined-by-Funding-Circle files often route here first.
- Same-day decisions and funding, which matters for HMRC pressure and supplier-pay deadlines.
- Specialism in hospitality and retail, so SIC-code routing in the matcher leans heavily on Capify for those verticals.
Best for
Hospitality, retail and salon Ltds with strong card-machine flow, Post-decline files where mainstream term lenders blocked on credit history, Sub-12-month trading Ltds with 6+ months of card history.
Watch outs
- Factor rate disguises true APR, which we translate at matcher stage so the applicant sees the all-in cost.
- Tied to card-machine sales, so B2B service Ltds with no card terminal route to invoice finance or asset finance instead.
- Daily repayment model can pinch cashflow for seasonal businesses, route to a Funding Circle term loan if monthly is essential.
FAQ
365 Business Finance or Capify: which is the better UK business finance provider in 2026?
365 Business Finance scores higher overall in our 2026 UK panel review at 4.1 of 5 versus 4.0 for Capify. That said, the right answer depends on what your file looks like. 365 Business Finance is the stronger pick for hospitality, retail and ecommerce ltds with £20k+ monthly card flow, while Capify is the stronger pick for hospitality, retail and salon ltds with strong card-machine flow. If your file sits in one of those buckets, ignore the headline rating and pick the right fit.
What does each product look like, 365 Business Finance vs Capify?
365 Business Finance offers merchant cash advance between £10k to £500k at factor rate 1.10 to 1.40, with a 24 to 48 hours decision window. Capify offers merchant cash advance + term loan between £3.5k to £500k at factor rate 1.15 to 1.45, with a same day decision window. 365 Business Finance uses a soft search at quote. Capify uses a soft search at quote. Verify live commercials before signing because lender pricing moves and bespoke rates are common above £100k tickets.
Which is weakest for what?
365 Business Finance is the wrong answer for sub-£10k tickets, route to iwoca or capify. Capify is the wrong answer for b2b ltds with no card flow, route to invoice finance or asset finance. If either of those describes your file, look at the side-by-side table for the alternative route, or run the eligibility checker and the matcher will surface the right shortlist from the FundBiz specialty panel.
Can FundBiz help me choose between 365 Business Finance and Capify?
Yes. We are independent of either lender. The FundBiz specialty panel covers MCA, asset finance, commercial mortgage, bridging, VAT loan, R&D advance and post-decline routes. Tell us ticket size, trading history, sector and any prior declines. We match you against the panel lenders most likely to approve, and if your file needs a post-decline route we surface that explicitly rather than burning credit-file footprint with repeated mainstream applications.
Am I eligible to apply via FundBiz?
FundBiz works with limited companies, LLPs and partnerships of 4 or more partners. Sole traders and partnerships under 4 partners are out of scope and routed elsewhere. Both 365 Business Finance and Capify sit on our panel for the entity types we serve. Trading history requirements vary by lender, so the matcher pre-screens before sending the file across.
Related comparisons
Other UK specialty finance head-to-heads involving 365 Business Finance or Capify:
Check eligibility in two minutes
Tell us ticket size, trading history and sector. We match you against the FundBiz specialty panel: MCA, asset finance, commercial mortgage, bridging, VAT loan, R&D advance and post-decline routes. Limited companies, LLPs and partnerships of 4+.
Check eligibility →Reviewed by Oliver Mackman, Director. Last reviewed: 2026-05-10. Editorial by Best Business Loans Ltd (16833937).