Aldermore vs Capify: Which UK Business Finance Provider in 2026?
Aldermore edges this matchup in our 2026 UK panel review, scoring 4.1 of 5 against Capify on 4.0. Aldermore runs asset finance, invoice finance, commercial mortgages at £25k to £5m on from 7.5% apr equivalent; 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 Aldermore 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
| Aldermore | Capify | |
|---|---|---|
| Product type | Asset finance, invoice finance, commercial mortgages | Merchant cash advance + term loan |
| Ticket range | £25k to £5m | £3.5k to £500k |
| Typical rate | From 7.5% APR equivalent | Factor rate 1.15 to 1.45 |
| Decision time | 5 to 10 business days | Same day |
| Soft search at quote | No (hard search) | Yes |
| Ltd-only? | Yes | No |
| FCA regulated | Yes | Yes |
| Best for | Established Ltds wanting asset finance or invoice finance with a real bank; Commercial property tickets £150k+ where the applicant has 2 weeks for underwriting; Broker-introduced deals with sector complexity | 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 Aldermore wins
- Specialist asset finance and invoice finance lines that mainstream banks no longer prioritise.
- Strong commercial mortgage product, so we route property-backed Ltd applicants here at £150k+.
- Established underwriting team with sector specialism, useful for files with complexity that needs a human.
- PRA-regulated bank, which matters to applicants who want a deposit-taking institution rather than a fintech.
Best for
Established Ltds wanting asset finance or invoice finance with a real bank, Commercial property tickets £150k+ where the applicant has 2 weeks for underwriting, Broker-introduced deals with sector complexity.
Watch outs
- Slower than fintech alternatives, so applicants who need cash inside the week route to iwoca, Capify or YouLend instead.
- Hard search at full application means we only push files here once the applicant is committed.
- Sub-£25k tickets are not for them, route smaller asks to iwoca or Capify.
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
Aldermore or Capify: which is the better UK business finance provider in 2026?
Aldermore 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. Aldermore is the stronger pick for established ltds wanting asset finance or invoice finance with a real bank, 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, Aldermore vs Capify?
Aldermore offers asset finance, invoice finance, commercial mortgages between £25k to £5m at from 7.5% apr equivalent, with a 5 to 10 business days 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. Aldermore runs a hard credit search at full application. 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?
Aldermore is the wrong answer for speed-critical files, route to iwoca, capify or youlend. 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 Aldermore 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 Aldermore 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 Aldermore 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).