Alternatives to Liberis
4 UK specialty finance alternatives to Liberis, compared on product type, ticket band, rate, decision time and eligibility.
Liberis vs the 4 alternatives
| Compared on | Liberis | YouLend | Capify | 365 Business Finance | Bizcap |
|---|---|---|---|---|---|
| Product | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs | Embedded MCA / revenue-based finance | Short-term business loans and supplier invoice payment | Merchant cash advance (revenue-based finance) | Specialist post-decline / fast cash |
| Ticket | £1k to £1m | Up to £2m | £10k to £3m | £10k to £500k | £5k to £1m |
| Rate | 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 by risk (not published) | One fixed cost, repaid as a percentage of card sales (quoted per offer) | Factor rate set per application, plus an establishment fee |
| Decision | Funding in as little as 24 hours | Approval 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 3 hours |
| Soft search | No | Yes | Yes | Yes | Yes |
| FundBiz editorial tier | Strong | Strong | Strong | Strong | Solid |
Sources: each lender's own published product pages, as recorded in our lender index: Liberis · YouLend · Capify · 365 Business Finance · Bizcap. Figures change; confirm with the lender before you rely on one.
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.
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.
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.
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 Liberis?
The closest UK specialty finance alternatives are YouLend, Capify, 365 Business Finance and Bizcap. The table above sets them side by side with Liberis.
How does Liberis compare on ticket size and rate?
Liberis offers revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs, with tickets of £1k to £1m. Its pricing: one fixed fee, repaid as a percentage of sales (quoted per offer).
How quickly does Liberis make a decision?
Decision time for Liberis: 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 Liberis do a soft-search quote?
Liberis doesn't offer a soft-search quote at the eligibility stage. Among the alternatives, YouLend, Capify, 365 Business Finance 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.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Last updated: . Editorial by Oliver Mackman.