Alternatives to 365 Business Finance
4 UK specialty finance alternatives to 365 Business Finance, compared on product type, ticket band, rate, decision time and eligibility.
365 Business Finance vs the 4 alternatives
| Compared on | 365 Business Finance | Capify | Liberis | YouLend | Bizcap |
|---|---|---|---|---|---|
| Product | Merchant cash advance (revenue-based finance) | Short-term business loans and supplier invoice payment | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs | Embedded MCA / revenue-based finance | Specialist post-decline / fast cash |
| Ticket | £10k to £500k | £10k to £3m | £1k to £1m | Up to £2m | £5k to £1m |
| Rate | One fixed cost, repaid as a percentage of card sales (quoted per offer) | Factor rate set by risk (not published) | One fixed fee, repaid as a percentage of sales (quoted per offer) | Fixed fee, repaid as a percentage of sales (quoted per offer) | Factor rate set per application, plus an establishment fee |
| Decision | Funding in as little as 24 hours | Typically 24 to 48 hours; same-day funding available | Funding in as little as 24 hours | Approval in as little as 24 hours | Approval in as little as 3 hours |
| Soft search | Yes | Yes | No | Yes | Yes |
| FundBiz editorial tier | Strong | Strong | Strong | Strong | Solid |
Sources: each lender's own published product pages, as recorded in our lender index: 365 Business Finance · Capify · Liberis · YouLend · Bizcap. Figures change; confirm with the lender before you rely on one.
Capify
Typically 24 to 48 hours; same-day funding available · Factor rate set by risk (not published)Short-term business lender that assesses cash flow and trading history rather than relying only on credit scores, which can help post-decline cases where credit history blocks a Funding Circle or iwoca term loan.
Liberis
Funding in as little as 24 hours · One fixed fee, repaid as a percentage of sales (quoted per offer)Embedded-finance specialist that suits businesses with an existing relationship with a partner platform (for example Worldpay, Barclaycard, Klarna, eBay, Dojo or Deliveroo).
YouLend
Approval in as little as 24 hours · Fixed fee, repaid as a percentage of sales (quoted per offer)Embedded-finance specialist that suits businesses selling through Amazon, eBay, Just Eat, Shopify, Etsy or a similar platform that partners with YouLend.
Bizcap
Approval in as little as 3 hours · Factor rate set per application, plus an establishment feePost-decline specialist that can suit a business already declined by Funding Circle, iwoca or the high street that still needs cash quickly.
Frequently asked questions
What are the main alternatives to 365 Business Finance?
The closest UK specialty finance alternatives are Capify, Liberis, YouLend and Bizcap. The table above sets them side by side with 365 Business Finance.
How does 365 Business Finance compare on ticket size and rate?
365 Business Finance offers merchant cash advance (revenue-based finance), with tickets of £10k to £500k. Its pricing: one fixed cost, repaid as a percentage of card sales (quoted per offer).
How quickly does 365 Business Finance make a decision?
Decision time for 365 Business Finance: Funding in as little as 24 hours. Decision times for the alternatives are listed in the comparison table; faster isn't always cheaper, so weigh speed against rate and ticket fit.
Does 365 Business Finance do a soft-search quote?
365 Business Finance runs a soft-search quote, so it says checking eligibility doesn't affect your credit score. Among the alternatives, Capify, YouLend and Bizcap offer a soft-search quote.
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 list 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 a business finance broker for each enquiry we pass on. See our full methodology.
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Send an enquiry →Last updated: . Editorial by Oliver Mackman.