Head to head
Bizcap vs Capify: Which UK Business Finance Provider in 2026?
Side by side: what each lender offers UK limited companies and LLPs, and what each one publishes.
Free · 2 mins
Start here · What do you need?
What Bizcap offers: specialist post-decline / fast cash. Ticket range: £5k to £1m (its own figure). Rate: factor rate set per application, plus an establishment fee. What Capify offers: short-term business loans and supplier invoice payment. Ticket range: £10k to £3m. Rate: factor rate set by risk (not published). Bizcap suits businesses already declined by mainstream lenders who still need cash this week. Capify suits UK businesses trading 12+ months with £10,000+ monthly turnover that need short-term funds quickly. The table below compares ticket range, typical rate, decision time and soft search at quote.
Source: FundBiz methodology. Editorial by Best Business Loans Ltd (16833937).
Bizcap, at a glance
- Product
- Specialist post-decline / fast cash
- FundBiz editorial view
- Best for businesses already declined by mainstream lenders who still need cash this week
Capify, at a glance
- Product
- Short-term business loans and supplier invoice payment
- FundBiz editorial view
- Best for UK businesses trading 12+ months with £10,000+ monthly turnover that need short-term funds quickly
Side-by-side
Full profiles: Bizcap · Capify
| Compared on | Bizcap | Capify |
|---|---|---|
| Product type | Specialist post-decline / fast cash | Short-term business loans and supplier invoice payment |
| Ticket range | £5k to £1m (its own figure) | £10k to £3m |
| Typical rate | Factor rate set per application, plus an establishment fee | Factor rate set by risk (not published) |
| Decision time | Decision in as little as 3 hours (its own figure) | Decision in minutes; same-day funding on unsecured loans, 24 to 48 hours on secured (its own figures) |
| Lender's own soft search at quote | Yes, says the lender | Yes, says the lender |
Sources: Bizcap's own site · Capify's own site. Figures change; confirm with the lender before you rely on one.
FundBiz enquiries are for limited companies, LLPs and partnerships with four or more partners. Some lenders on this page also accept other business types; we do not arrange those and do not recommend a lender on that basis.
When Bizcap may fit
- May accept cases that mainstream lenders have declined.
- Decision in as little as 3 hours, by Bizcap's own account, which matters for HMRC pressure and supplier-pay scenarios.
- Clear about which decline reasons they will actually consider.
- An option when the borrower can't wait for a Capify or 365 Business Finance decision.
Best for
Businesses already declined by mainstream lenders who still need cash this week, CCJ history and recent missed payments where Capify and 365 won't stretch, Speed prioritised over rate, with the applicant briefed on the cost.
Watch outs
- Priced for higher-risk cases, so rarely the cheapest option.
- Effective APR can exceed 100% on short paybacks (borrowing £10,000 at a factor rate of 1.20 means repaying £12,000; repaid daily over six months, that is roughly 110% a year), so check the total cost before signing.
- Rate-sensitive borrowers are the wrong fit; iwoca, Funding Circle or Allica may suit better.
Lender figures and criteria: Bizcap's own site; full notes in our Bizcap review.
When Capify may fit
- Daily or weekly repayments over short terms, which can suit businesses that want the debt cleared quickly.
- More accommodating on credit history than mainstream term-loan lenders, which can help businesses declined by Funding Circle.
- Funding from the same day to 48 hours on Capify's own figures, which matters for HMRC pressure and supplier-pay deadlines.
- Checking eligibility doesn't affect your credit score, according to Capify.
Best for
UK businesses trading 12+ months with £10,000+ monthly turnover that need short-term funds quickly, Post-decline cases where mainstream term lenders blocked on credit history.
Watch outs
- Factor rate disguises true APR, so work out the all-in cost before signing.
- Needs 12+ months of trading and £10,000+ monthly turnover, so younger or smaller businesses fall outside its criteria.
- Daily or weekly repayments can pinch cashflow for seasonal businesses, so consider a Funding Circle term loan if monthly is essential.
Lender figures and criteria: Capify's own site; full notes in our Capify review.
FAQ
Bizcap or Capify: which is the better UK business finance provider in 2026?
Neither is better for every business. The 'When Bizcap may fit' and 'When Capify may fit' sections above say who each one suits, and the side-by-side table shows what each lender publishes. Check each lender's own criteria before you apply.
Which is weakest for what?
Bizcap is a poor fit for rate-sensitive applicants, consider iwoca or Funding Circle. Capify is a poor fit for businesses trading under 12 months, consider Start Up Loans Company or a revenue-based finance provider. If either of those describes your business, look at the side-by-side table for the alternative, or read our other lender reviews.
Can FundBiz help with Bizcap or Capify?
FundBiz is not a lender and is independent of both. This comparison and our lender reviews are editorial research to help you decide which to approach. FundBiz doesn't pass your enquiry to either lender. If you send an enquiry through FundBiz, we pass it to one of the finance partners we work with, who will contact you about your options.
Who can send an enquiry through FundBiz?
The FundBiz enquiry form is for limited companies, LLPs and partnerships with four or more partners. Eligibility for Bizcap and Capify is set by each lender, and trading history requirements vary, so check each lender's own criteria.
How we ranked these lenders
Every lender is scored on the same four FundBiz criteria: pricing transparency, eligibility clarity, decision speed and treatment of declined applicants. Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product sheets, not customer reviews and not hands-on product testing. Each comparison shows the date it was last updated. Inclusion is never paid for, and FundBiz receives no commission from lenders. FundBiz is paid a fixed fee by one of the finance partners we work with for each enquiry we pass on. See our full methodology.
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