Capify vs Time Finance: Which UK Business Finance Provider in 2026?
Capify and Time Finance both score 4.0 of 5 in our 2026 UK panel review. Capify runs merchant cash advance + term loan at £3.5k to £500k on factor rate 1.15 to 1.45; Time Finance runs asset finance, invoice finance, vehicle finance at £10k to £2m on bespoke. The right answer depends on ticket size, trading history, sector and whether the file is post-decline. Read the side-by-side, then jump to the "when X wins" sections for the buyer-fit logic. If you want us to do the work, our eligibility checker takes two minutes and matches you against the UK specialty panel.
Side-by-side
| Capify | Time Finance | |
|---|---|---|
| Product type | Merchant cash advance + term loan | Asset finance, invoice finance, vehicle finance |
| Ticket range | £3.5k to £500k | £10k to £2m |
| Typical rate | Factor rate 1.15 to 1.45 | Bespoke |
| Decision time | Same day | 2 to 5 business days |
| Soft search at quote | Yes | Yes |
| Ltd-only? | No | No |
| FCA regulated | Yes | Yes |
| 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 | Mid-ticket Ltds combining asset finance, invoice finance and vehicle under one lender; Transport, manufacturing and hospitality SIC codes; £25k to £500k asset-backed Ltds wanting a faster route than Aldermore |
| Overall rating | 4.0 / 5 | 4.0 / 5 |
| Last reviewed | 2026-05-10 | 2026-05-10 |
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.
When Time Finance wins
- Multiple complementary product lines under one roof, so we can route a single file across asset, invoice and vehicle without re-introducing.
- Sector specialism in transport, manufacturing and hospitality, which the matcher uses on SIC-led routing.
- AIM-listed transparency on filings, useful for applicants who want a public-market institutional view.
- Faster than Aldermore or Shawbrook on bespoke asset deals, often inside 5 business days.
Best for
Mid-ticket Ltds combining asset finance, invoice finance and vehicle under one lender, Transport, manufacturing and hospitality SIC codes, £25k to £500k asset-backed Ltds wanting a faster route than Aldermore.
Watch outs
- Broker-distributed for most product flow, so the FundBiz introduction is the route rather than self-serve.
- Pricing varies materially by deal, so the matcher cannot quote a tight rate before the conversation.
- Smaller brand presence than Aldermore or Shawbrook, applicants who want the bigger name route there.
FAQ
Capify or Time Finance: which is the better UK business finance provider in 2026?
Capify scores higher overall in our 2026 UK panel review at 4.0 of 5 versus 4.0 for Time Finance. That said, the right answer depends on what your file looks like. Capify is the stronger pick for hospitality, retail and salon ltds with strong card-machine flow, while Time Finance is the stronger pick for mid-ticket ltds combining asset finance, invoice finance and vehicle under one lender. If your file sits in one of those buckets, ignore the headline rating and pick the right fit.
What does each product look like, Capify vs Time Finance?
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. Time Finance offers asset finance, invoice finance, vehicle finance between £10k to £2m at bespoke, with a 2 to 5 business days decision window. Capify uses a soft search at quote. Time Finance 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?
Capify is the wrong answer for b2b ltds with no card flow, route to invoice finance or asset finance. Time Finance is the wrong answer for sub-£10k self-serve tickets, route to iwoca or capify. 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 Capify and Time Finance?
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 Capify and Time Finance 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 Capify or Time Finance:
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).