Head to head
Bizcap vs Capify: Which UK Business Finance Provider in 2026?
Independent, side by side. Rate, ticket band, decision speed and eligibility compared for UK limited companies and LLPs.
Start here · What do you need?
Capify is the stronger all-round pick in our reviews, but Bizcap wins on specific files. Capify offers short-term business loans and supplier invoice payment (ticket range: £10k to £3m; rate: Factor rate set by risk (not published)); Bizcap offers specialist post-decline / fast cash (ticket range: £5k to £1m; rate: Factor rate set per application, plus an establishment fee). The right answer depends on ticket size, trading history and sector. Bizcap beats Capify for businesses already declined by mainstream lenders who still need cash this week. Read the side-by-side, then jump to the "When Capify wins" and "When Bizcap wins" sections for the buyer-fit logic.
Source: FundBiz methodology. Editorial by Best Business Loans Ltd (16833937).
Bizcap, at a glance
- Product
- Specialist post-decline / fast cash
- Ticket range
- £5k to £1m
- Typical rate
- Factor rate set per application, plus an establishment fee
- Decision time
- Approval in as little as 3 hours
- FundBiz editorial view
- Wins on specific files; best for businesses already declined by mainstream lenders who still need cash this week
Capify, at a glance
- Product
- Short-term business loans and supplier invoice payment
- Ticket range
- £10k to £3m
- Typical rate
- Factor rate set by risk (not published)
- Decision time
- Typically 24 to 48 hours; same-day funding available
- FundBiz editorial view
- Stronger all-round; best for UK businesses trading 12+ months with £10,000+ monthly turnover that need short-term funds quickly
Side-by-side
Full profiles: Bizcap · Capify
| Compared on | Bizcap | Capify |
|---|---|---|
| Product type | Specialist post-decline / fast cash | Short-term business loans and supplier invoice payment |
| Ticket range | £5k to £1m | £10k to £3m |
| Typical rate | Factor rate set per application, plus an establishment fee | Factor rate set by risk (not published) |
| Decision time | Approval in as little as 3 hours | Typically 24 to 48 hours; same-day funding available |
| Soft search at quote | Yes | Yes |
| Ltd-only? | No | No |
Sources: Bizcap's own site · Capify's own site. Figures change; confirm with the lender before you rely on one.
FundBiz enquiries are for limited companies, LLPs and partnerships with four or more partners. Some lenders on this page also accept other business types; we do not arrange those and do not recommend a lender on that basis.
When Bizcap wins
- May accept cases that mainstream lenders have declined.
- Approval in as little as 3 hours and funds the same day, by Bizcap's own account, which matters for HMRC pressure and supplier-pay scenarios.
- Clear about which decline reasons they will actually consider.
- An option when the borrower can't wait for a Capify or 365 Business Finance decision.
Best for
Businesses already declined by mainstream lenders who still need cash this week, CCJ history and recent missed payments where Capify and 365 won't stretch, Speed prioritised over rate, with the applicant briefed on the cost.
Watch outs
- Priced for higher-risk cases, so rarely the cheapest option.
- Effective APR can exceed 100% on short paybacks (a factor rate of 1.20 repaid daily over six months works out at roughly 110% APR), so check the total cost before signing.
- Rate-sensitive borrowers are the wrong fit; iwoca, Funding Circle or Allica may suit better.
When Capify wins
- Daily or weekly repayments over short terms, which can suit businesses that want the debt cleared quickly.
- More accommodating on credit history than mainstream term-loan lenders, which can help businesses declined by Funding Circle.
- Same-day funding available, which matters for HMRC pressure and supplier-pay deadlines.
- Checking eligibility doesn't affect your credit score, according to Capify.
Best for
UK businesses trading 12+ months with £10,000+ monthly turnover that need short-term funds quickly, Post-decline cases where mainstream term lenders blocked on credit history.
Watch outs
- Factor rate disguises true APR, so work out the all-in cost before signing.
- Needs 12+ months of trading and £10,000+ monthly turnover, so younger or smaller businesses fall outside its criteria.
- Daily or weekly repayments can pinch cashflow for seasonal businesses, so consider a Funding Circle term loan if monthly is essential.
FAQ
Bizcap or Capify: which is the better UK business finance provider in 2026?
Capify is our stronger all-round pick in our reviews, but the right answer depends on what your file looks like. Bizcap is the stronger pick for businesses already declined by mainstream lenders who still need cash this week, while Capify is the stronger pick for UK businesses trading 12+ months with £10,000+ monthly turnover that need short-term funds quickly.
If your file sits in one of those buckets, pick the right fit rather than the headline. See our /methodology/ for how we assess each lender.
What does each product look like, Bizcap vs Capify?
Bizcap offers specialist post-decline / fast cash (ticket range: £5k to £1m; rate: Factor rate set per application, plus an establishment fee; decision time: Approval in as little as 3 hours). Capify offers short-term business loans and supplier invoice payment (ticket range: £10k to £3m; rate: Factor rate set by risk (not published); decision time: Typically 24 to 48 hours; same-day funding available).
Bizcap uses a soft search at quote. Capify uses a soft search at quote. Verify live commercials before signing because lender pricing moves and bespoke rates are common above £100k tickets.
Which is weakest for what?
Bizcap is the wrong answer for rate-sensitive applicants, consider iwoca or Funding Circle. Capify is the wrong answer for businesses trading under 12 months, consider Start Up Loans Company or a revenue-based finance provider. If either of those describes your file, look at the side-by-side table for the alternative, or read our other lender reviews.
Can FundBiz help with Bizcap or Capify?
FundBiz is not a lender and is independent of both. This comparison and our lender reviews are editorial research to help you decide which to approach. FundBiz doesn't send enquiries to lenders. If you send an enquiry through FundBiz, we pass it to a business finance broker, who will contact you about your options.
Who can send an enquiry through FundBiz?
The FundBiz enquiry form is for limited companies, LLPs and partnerships with four or more partners. Eligibility for Bizcap and Capify is set by each lender, and trading history requirements vary, so check each lender's own criteria.
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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 comparison 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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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 →FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Last updated: . Editorial by Best Business Loans Ltd (16833937).