Alternatives to UK specialty finance lenders
Pick the lender you're considering or were just declined by. Each page surfaces 4 UK alternatives compared on rate, ticket band, decision time and eligibility.
| Lender | Product | Ticket | Decision |
|---|---|---|---|
| Alternatives to Liberis | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs | £1k to £1m | Funding in as little as 24 hours |
| Alternatives to YouLend | Embedded MCA / revenue-based finance | Up to £2m | Approval in as little as 24 hours |
| Alternatives to Capify | Short-term business loans and supplier invoice payment | £10k to £3m | Typically 24 to 48 hours; same-day funding available |
| Alternatives to 365 Business Finance | Merchant cash advance (revenue-based finance) | £10k to £500k | Funding in as little as 24 hours |
| Alternatives to Bizcap | Specialist post-decline / fast cash | £5k to £1m | Approval in as little as 3 hours |
| Alternatives to JPM Capital | Specialist unsecured business loans, including post-decline cases | £5k to £50k | Typically 24 to 48 hours (its own figure) |
| Alternatives to iwoca | Flexi-loan / line of credit | £1k to £1m | Same day to 24 hours |
| Alternatives to Funding Circle | Term loan | £10k to £750k | As little as 5 minutes |
| Alternatives to Allica Bank | SME term loan, asset finance + commercial mortgage | £25k to £150k (business loans); up to £15m (commercial mortgages) | Money in days on business loans; longer for larger facilities |
| Alternatives to OakNorth | SME term loan + bridging | £1m to tens of millions | Typically funds within weeks (OakNorth's own wording) |
| Alternatives to Aldermore | Asset finance, invoice finance, commercial mortgages | Not published for asset or invoice finance; commercial real estate loans of £3m to £100m (its own figures) | Not published |
| Alternatives to Time Finance | Asset finance, invoice finance, vehicle finance | Not published overall; secured loans of £50k to £500k (its own figures) | Not published |
| Alternatives to Start Up Loans Company | Government-backed unsecured personal loan to fund a UK start-up | £500 to £25k per founder (max £100k per business) | 4 to 8 weeks |
Frequently asked questions
What is an alternatives page?
Each alternatives page takes a UK specialty finance lender you're considering or were just declined by, then sets out comparable UK options side by side on product type, ticket band, typical rate, decision time and eligibility. It is a like-for-like comparison, not a ranking.
Why look at alternatives to a lender?
A single specialty lender suits a specific product, ticket size and trading profile. Comparing alternatives lets you check whether another UK provider fits your deal better on rate, ticket band or decision time, which matters most when your first choice has declined you.
How many lenders are covered here?
13 lenders have a dedicated alternatives page, each comparing that lender against four UK options on the same criteria. Pick the one you're weighing up from the table below to see its alternatives.
Last updated: . Editorial by Oliver Mackman.