Alternatives to YouLend
4 UK specialty finance alternatives to YouLend, compared on product type, ticket band, rate, decision time and eligibility.
YouLend vs the 4 alternatives
| Compared on | YouLend | Liberis | Capify | 365 Business Finance | Bizcap |
|---|---|---|---|---|---|
| Product | Embedded MCA / revenue-based finance | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs | Short-term business loans and supplier invoice payment | Merchant cash advance (revenue-based finance) | Specialist post-decline / fast cash |
| Ticket | Up to £2m | £1k to £1m | £10k to £3m | £10k to £500k | £5k to £1m |
| Rate | Fixed fee, repaid as a percentage of sales (quoted per offer) | One 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 | Approval in as little as 24 hours | 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 3 hours |
| Soft search | Yes | No | 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: YouLend · Liberis · Capify · 365 Business Finance · Bizcap. Figures change; confirm with the lender before you rely on one.
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).
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 YouLend?
The closest UK specialty finance alternatives are Liberis, Capify, 365 Business Finance and Bizcap. The table above sets them side by side with YouLend.
How does YouLend compare on ticket size and rate?
YouLend offers embedded MCA / revenue-based finance, with tickets of Up to £2m. Its pricing: fixed fee, repaid as a percentage of sales (quoted per offer).
How quickly does YouLend make a decision?
Decision time for YouLend: Approval 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 YouLend do a soft-search quote?
YouLend runs a soft-search quote, so it says checking eligibility doesn't affect your credit score. Among the alternatives, 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.
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Send an enquiry →Last reviewed: . Editorial by Oliver Mackman.