Head to head
Capify vs Liberis: 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 Capify offers: short-term business loans and supplier invoice payment. Ticket range: £10k to £3m. Rate: factor rate set by risk (not published). What Liberis offers: revenue-based finance (merchant cash advance style) and pay-over-time funding for SMEs. Ticket range: £1k to £1m (its own figure). Rate: one fixed fee, repaid as a percentage of sales (quoted per offer). Capify suits UK businesses trading 12+ months with £10,000+ monthly turnover that need short-term funds quickly. Liberis suits existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow. The table below compares ticket range, typical rate and decision time.
Source: FundBiz methodology. Editorial by Best Business Loans Ltd (16833937).
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
Liberis, at a glance
- Product
- Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMEs
- FundBiz editorial view
- Best for existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow
Side-by-side
Full profiles: Capify · Liberis
| Compared on | Capify | Liberis |
|---|---|---|
| Product type | Short-term business loans and supplier invoice payment | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMEs |
| Ticket range | £10k to £3m | £1k to £1m (its own figure) |
| Typical rate | Factor rate set by risk (not published) | One fixed fee, repaid as a percentage of sales (quoted per offer) |
| Decision time | Decision in minutes; same-day funding on unsecured loans, 24 to 48 hours on secured (its own figures) | Funds in as little as 24 hours (its own figure) |
| Lender's own soft search at quote | Yes, says the lender | Not published |
Sources: Capify's own site · Liberis'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 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.
When Liberis may fit
- Strong embedded distribution, so applicants on Worldpay, Klarna or Dojo often arrive pre-approved.
- Repayments scale with sales, which can suit businesses that can't service a fixed monthly burden.
- Operates in several countries through its partners, which can suit ecommerce Ltds selling cross-border.
- Funds in as little as 24 hours, by Liberis's own account.
Best for
Existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow, Ecommerce Ltds wanting embedded-finance journeys, Applicants with pre-approved offers visible inside their partner platform.
Watch outs
- Much of its distribution runs through partners, so applicants without a partner relationship may get a slower route.
- A fixed fee rather than an APR carries the same opacity as other MCA products, so work out the effective cost before signing.
- Offers are often tied to a partner platform, so non-partner businesses may suit 365 Business Finance or YouLend better.
Lender figures and criteria: Liberis's own site; full notes in our Liberis review.
FAQ
Capify or Liberis: which is the better UK business finance provider in 2026?
Neither is better for every business. The 'When Capify may fit' and 'When Liberis 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?
Capify is a poor fit for businesses trading under 12 months, consider Start Up Loans Company or a revenue-based finance provider. Liberis is a poor fit for applicants without a partner-platform relationship, consider Capify or 365 Business Finance. 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 Capify or Liberis?
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 Capify and Liberis 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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