Capify UK Alternatives

This guide lists five UK focused alternatives to Capify UK, so buyers can compare speed, eligibility, products, and pricing before applying.

Quick Compare:

1. Fleximize

Fleximize offers flexible funding mainly for UK SMEs. It focuses on quick access for businesses looking for fast, flexible loans or revenue-based financing. The provider allows repayment options aligned with business cash flow, making it suitable for those seeking adaptable terms, though specific LTV and security details depend on the deal.

Loan and pricing details

• Min amount: £5,000
• Max amount: £500,000
• APR min: Unknown
• APR max: Unknown
• Loan durations: 6 months to 5 years

Funding range note: from 5,000 to 500,000 typically

Speed: Funding in as little as 24 hours

Interest rate notes: Rates are determined based on the business profile and risk.

Eligibility

• Min trading months: 6
• Min monthly turnover: £5,000
• Credit flexibility: Medium

Personal guarantee: May be required depending on circumstances.

Homeowner advantage: Not significant.

Services and sectors

• Products: term_loan, unsecured_loan
• Industries: All industries

Best for

• Start-ups
• SMEs needing flexible funding
• Quick funding solutions

Pros

• Quick funding
• Flexible terms
• High loan amounts

Cons

• Potential PG requirement

Sources: https://fleximize.com/apply

2. Iwoca

Iwoca provides fast, flexible business loans in the UK. It is known for quick decision-making and adaptable credit options suitable for SMEs seeking fast access to funds with flexible repayment structures. The provider allows collateralised, unsecured, and revolving credit options, tailored to various business needs.

Loan and pricing details

• Min amount: £1,000
• Max amount: £1,000,000
• APR min: Unknown
• APR max: Unknown
• Loan durations: 1 day to 24 months

Funding range note: from 1,000 to 1,000,000 typically

Speed: Quick decisions, funds available fast

Interest rate notes: Interest rates are based on the risk profile of the applicant.

Eligibility

• Min trading months: 3
• Min monthly turnover: £1,000
• Credit flexibility: High

Personal guarantee: Not always required.

Homeowner advantage: Not significant.

Services and sectors

• Products: term_loan, revolving_credit
• Industries: All sectors

Best for

• SMEs needing quick funding
• Flexible repayments

Pros

• Flexible funding
• Quick application
• High amount limits

Cons

• Short loan durations

Sources: https://www.iwoca.co.uk/

3. Funding Circle

Funding Circle is a platform specialising in large, fast loans for UK small and medium-sized businesses. It offers quick decisions and options for secured or unsecured funding, with flexible terms that cater to established businesses looking for significant capital with brokered access and tailored repayment plans.

Loan and pricing details

• Min amount: £5,000
• Max amount: £1,000,000
• APR min: Unknown
• APR max: Unknown
• Loan durations: 6 months to 6 years

Funding range note: from 5,000 to 1,000,000

Speed: Decision in as little as 1 hour

Interest rate notes: Interest set by a panel based on risk assessment.

Eligibility

• Min trading months: 12
• Min monthly turnover: Unknown
• Credit flexibility: Medium

Personal guarantee: Often required for high loan amounts.

Homeowner advantage: Can be advantageous for securing lower rates.

Services and sectors

• Products: term_loan, secured loans
• Industries: Various

Best for

• Established businesses needing large funds
• Quick approval processes

Pros

• Large loan availability
• Fast approval
• Diverse products

Cons

• PG often required

Sources: https://www.fundingcircle.com/uk/

4. Liberis

Liberis Liberis provides innovative business cash advances in the UK. It focuses on flexible, revenue-generating merchant cash advances and alternative financing options for businesses needing quick access to capital secured on future revenue streams. The platform allows brokered access and offers adaptable repayment options with varying collateral/security levels.

Loan and pricing details

• Min amount: Unknown
• Max amount: Unknown
• APR min: Unknown
• APR max: Unknown
• Loan durations: Dynamic

Funding range note: Dynamic based on revenue

Speed: Adjustment tied to sales cycle

Interest rate notes: Repayments flex with business revenue, not fixed APR.

Eligibility

• Min trading months: 6
• Min monthly turnover: Unknown
• Credit flexibility: High

Personal guarantee: Usually not required.

Homeowner advantage: No direct impact.

Services and sectors

• Products: business_cash_advance
• Industries: All revenue-generating businesses

Best for

• Small businesses needing cash advances
• Flexible repayment tied to revenue

Pros

• Revenue-linked repayments
• No fixed APR

Cons

• Complexity if revenue varies significantly

Sources: https://www.liberis.com/

5. ThinCats

ThinCats specializes in funding larger SMEs with bespoke financial solutions up to high seven-figure sums. It caters to companies seeking significant loans with flexible structures, collateral options, and brokered access for tailored financing needs. The provider offers loans aligned with complex deal requirements and security preferences.

Loan and pricing details

• Min amount: £1,000,000
• Max amount: £20,000,000
• APR min: Unknown
• APR max: Unknown
• Loan durations: 6 months to 5 years

Funding range note: from 1 million to 20 million typically

Speed: Varies based on deal complexity

Interest rate notes: Rates are tailored per deal within a structured finance approach.

Eligibility

• Min trading months: 24
• Min monthly turnover: £100,000
• Credit flexibility: Low

Personal guarantee: Often required given the high amounts.

Homeowner advantage: Beneficial for securing loans.

Services and sectors

• Products: term_loan, debt_financing
• Industries: Mid-market businesses, various sectors

Best for

• Larger SMEs
• Tailored large financing needs

Pros

• High loan amounts
• Custom financial solutions

Cons

• Higher complexity
• Strict eligibility

Sources: https://www.thincats.com/

Final notes

When comparing providers, match loan size, timeline, and sector fit first, then confirm current rates and fees with the finance provider. If one option declines your application, a broker or multi lender panel may still place the deal.

The choice of provider often depends on the type of loan and need. Bank lenders typically offer secured products for property or large capital. Brokers access a wider panel and can find options for unique or complex deals. Specialist providers cater to specific funding needs like revenue-based finance or large-scale loans. Always consider your specific requirements when selecting a provider. Using a funded agent or provider like Funding Agent can help match your needs efficiently.