Head to head
Capify vs Liberis: 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 and Liberis are closely matched in our reviews. Capify offers short-term business loans and supplier invoice payment (ticket range: £10k to £3m; rate: Factor rate set by risk (not published)); Liberis offers revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs (ticket range: £1k to £1m; rate: One fixed fee, repaid as a percentage of sales (quoted per offer)). The right answer depends on ticket size, trading history, sector and whether the file is post-decline. Read the side-by-side, then jump to the "When Capify wins" and "When Liberis wins" sections for the buyer-fit logic. If you want to talk it through, you can send an enquiry through FundBiz and a business finance broker will contact you about your options.
Source: FundBiz methodology. Editorial by Best Business Loans Ltd (16833937).
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
- Closely matched overall; best for UK businesses trading 12+ months with £10,000+ monthly turnover that need short-term funds quickly
Liberis, at a glance
- Product
- Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs
- Ticket range
- £1k to £1m
- Typical rate
- One fixed fee, repaid as a percentage of sales (quoted per offer)
- Decision time
- Funding in as little as 24 hours
- FundBiz editorial view
- Closely matched overall; best for existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow
Side-by-side
Full profiles: Capify · Liberis
| Compared on | Capify | Liberis |
|---|---|---|
| Product type | Short-term business loans and supplier invoice payment | Revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs |
| Ticket range | £10k to £3m | £1k to £1m |
| Typical rate | Factor rate set by risk (not published) | One fixed fee, repaid as a percentage of sales (quoted per offer) |
| Decision time | Typically 24 to 48 hours; same-day funding available | Funding in as little as 24 hours |
| Soft search at quote | Yes | No (hard search) |
| Ltd-only? | No | No |
Sources: Capify's own site · Liberis'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 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.
When Liberis wins
- Strong embedded distribution, so applicants on Worldpay, Klarna or Dojo often arrive pre-approved.
- Repayments scale with sales, which can suit businesses that can't service a fixed monthly burden.
- Operates in several countries through its partners, which can suit ecommerce Ltds selling cross-border.
- Funding in as little as 24 hours, by Liberis's own account, where the partner data is already in.
Best for
Existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow, Ecommerce Ltds wanting embedded-finance journeys, Applicants with pre-approved offers visible inside their partner platform.
Watch outs
- Much of its distribution runs through partners, so applicants without a partner relationship may get a slower route.
- A fixed fee rather than an APR carries the same opacity as other MCA products, so work out the effective cost before signing.
- Offers are often tied to a partner platform, so non-partner businesses may suit 365 Business Finance or YouLend better.
FAQ
Capify or Liberis: which is the better UK business finance provider in 2026?
Capify and Liberis are closely matched in our reviews, so the right answer depends on what your file looks like. Capify is the stronger pick for UK businesses trading 12+ months with £10,000+ monthly turnover that need short-term funds quickly, while Liberis is the stronger pick for existing Worldpay, Barclaycard, Klarna or Dojo users with strong card flow. Pick the right fit for your file rather than a headline winner. See our /methodology/ for how we assess each lender.
What does each product look like, Capify vs Liberis?
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). Liberis offers revenue-based finance (merchant cash advance style) and pay-over-time funding for SMBs (ticket range: £1k to £1m; rate: One fixed fee, repaid as a percentage of sales (quoted per offer); decision time: Funding in as little as 24 hours).
Capify uses a soft search at quote. Liberis runs a hard credit search at full application. Verify live commercials before signing because lender pricing moves and bespoke rates are common above £100k tickets.
Which is weakest for what?
Capify is the wrong answer for businesses trading under 12 months, consider Start Up Loans Company or a revenue-based finance provider. Liberis is the wrong answer for applicants without a partner-platform relationship, consider Capify or 365 Business Finance. 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 Capify or Liberis?
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 Capify and Liberis 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.
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 →FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Last updated: . Editorial by Best Business Loans Ltd (16833937).