Alternatives to JPM Capital
4 UK specialty finance alternatives to JPM Capital, compared on product type, ticket band, rate, decision time and eligibility.
JPM Capital vs the 4 alternatives
| Compared on | JPM Capital | Bizcap | Capify | Liberis | 365 Business Finance |
|---|---|---|---|---|---|
| Product | Specialist unsecured business loans, including post-decline cases | Specialist post-decline / fast cash | Short-term business loans and supplier invoice payment | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs | Merchant cash advance (revenue-based finance) |
| Ticket | £5k to £50k | £5k to £1m | £10k to £3m | £1k to £1m | £10k to £500k |
| Rate | Quoted per application (not published) | Factor rate set per application, plus an establishment fee | Factor rate set by risk (not published) | One fixed fee, repaid as a percentage of sales (quoted per offer) | One fixed cost, repaid as a percentage of card sales (quoted per offer) |
| Decision | Typically 24 to 48 hours (its own figure) | Approval in as little as 3 hours | Typically 24 to 48 hours; same-day funding available | Funding in as little as 24 hours | Funding in as little as 24 hours |
| Soft search | Yes | Yes | Yes | No | Yes |
| FundBiz editorial tier | Solid | Solid | Strong | Strong | Strong |
Sources: each lender's own published product pages, as recorded in our lender index: JPM Capital · Bizcap · Capify · Liberis · 365 Business Finance. Figures change; confirm with the lender before you rely on one.
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.
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).
365 Business Finance
Funding in as little as 24 hours · One fixed cost, repaid as a percentage of card sales (quoted per offer)Direct MCA lender suited to £25k+ card-flow advances where the borrower wants a no-broker-fee structure.
Frequently asked questions
What are the main alternatives to JPM Capital?
The closest UK specialty finance alternatives are Bizcap, Capify, Liberis and 365 Business Finance. The table above sets them side by side with JPM Capital.
How does JPM Capital compare on ticket size and rate?
JPM Capital offers specialist unsecured business loans, including post-decline cases, with tickets of £5k to £50k. Its pricing: quoted per application (not published).
How quickly does JPM Capital make a decision?
Decision time for JPM Capital: Typically 24 to 48 hours (its own figure). 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 JPM Capital do a soft-search quote?
JPM Capital runs a soft-search quote, so it says checking eligibility doesn't affect your credit score. Among the alternatives, Bizcap, Capify and 365 Business Finance 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.