capitalize Alternatives

This guide lists five UK focused alternatives to capitalize, so buyers can compare speed, eligibility, products, and pricing before applying. Data was generated on 2025-10-12T11:52:00Z; always confirm current terms with the provider.

Quick Compare:

1. Funding Xchange

Funding Xchange operates as a marketplace connecting UK businesses with multiple lenders. It is suited for securing business loans or capital for growth, with quick decisions and loan options across various risk profiles. The platform offers transparency and broad lender access, suitable for businesses seeking flexible funding routes.

Loan and pricing details

• Min amount: £1,000
• Max amount: £500,000
• APR min: 6%
• APR max: 25%
• Loan durations: 3 months to 5 years

Funding range note: from £1,000 to £500,000

Speed: typical decision within 24 hours

Interest rate notes: APR ranges from 6% to 25% based on risk profile and lender.

Eligibility

• Min trading months: Unknown
• Min monthly turnover: Unknown
• Credit flexibility: Flexible credit assessments depending on lender.

Personal guarantee: Personal guarantee might be needed, depending on lender.

Homeowner advantage: Generally being a homeowner helps with securing better terms.

Services and sectors

• Products: term_loan, invoice_finance
• Industries: general_business

Best for

• businesses seeking multiple lenders
• faster decisions
• credit flexibility

Pros

• Access to multiple lenders
• Transparent comparison

Cons

• Rates can be high for riskier profiles
• Involves multiple credit checks

Sources: https://www.fundingagent.co.uk/lender-reviews/funding-xchange-reviews https://fundingxchange.co.uk/

2. Raisin UK

Raisin UK offers a marketplace for savings products including fixed-term deposits for UK businesses. It provides competitive interest rates with facilities suitable for those looking to compare deposit options efficiently. The platform is ideal for businesses seeking higher interest savings and diversified banking partners.

Loan and pricing details

• Min amount: Unknown
• Max amount: Unknown
• APR min: Unknown
• APR max: Unknown
• Loan durations: 3 months to 5 years

Funding range note: Typical deposits range from small to large amounts.

Speed: Varies by product and bank.

Interest rate notes: Interest rates are set based on deposit term and bank offers.

Eligibility

• Min trading months: Unknown
• Min monthly turnover: Unknown
• Credit flexibility: Eligibility for savings products rather than credit.

Personal guarantee: Not typically required for deposits.

Homeowner advantage: Not applicable for savings products.

Services and sectors

• Products: fixed_rate_savings, business_deposits
• Industries: financial_services

Best for

• businesses looking for fixed-term deposits
• higher interest savings

Pros

• High-interest savings opportunities
• Wide range of banking partners

Cons

• Not a traditional lending platform
• Limited to savings and deposits

Sources: https://www.raisin.com/en-gb/banking/interest-rates-uk/ https://www.raisin.com/en-gb/

3. NerdWallet UK

NerdWallet UK provides a comprehensive platform for comparing financial products including loans, credit cards, and other services. It offers evaluation tools and eligibility checks suited for UK businesses seeking to compare and understand different finance options with brokered or direct access.

Loan and pricing details

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

Funding range note: Unknown, based on comparison insights.

Speed: Varies by lender choice after comparison.

Interest rate notes: Interest rates are displayed based on individual lender offers.

Eligibility

• Min trading months: Unknown
• Min monthly turnover: Unknown
• Credit flexibility: Varies by lender offering, generally flexible.

Personal guarantee: Depends on lender conditions.

Homeowner advantage: Varies by product compared.

Services and sectors

• Products: loan_comparison, credit_card_comparison
• Industries: financial_services

Best for

• financial product comparisons
• eligibility checks

Pros

• Comprehensive product database
• User reviews

Cons

• Does not provide direct lending
• Dependent on third-party lenders

Sources: https://www.nerdwallet.com/uk/loans/ https://www.nerdwallet.com/uk/loans/personal-loans/am-i-eligible-for-a-personal-loan/

4. iwoca

iwoca offers flexible business lending services mainly for UK SMEs, including unsecured or secured loans and flexible repayment options. It caters to companies needing quick funding, with adaptability based on business performance and collateral security considerations.

Loan and pricing details

• Min amount: £1,000
• Max amount: £1,000,000
• APR min: Unknown
• APR max: Unknown
• Loan durations: up to 12 months

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

Speed: Funds available within 24 hours

Interest rate notes: Interest rates start at 1.5% monthly, subject to credit profile.

Eligibility

• Min trading months: 6
• Min monthly turnover: £1,000
• Credit flexibility: Moderately flexible, assesses business health.

Personal guarantee: Typically required if the loan is unsecured.

Homeowner advantage: Beneficial for securing higher amounts.

Services and sectors

• Products: short_term_loans, cashflow_loans
• Industries: small_business

Best for

• small businesses
• quick funding needs

Pros

• Fast approval
• Flexible terms

Cons

• Short loan durations
• Higher interest for riskier loans

Sources: https://www.iwoca.co.uk/ https://www.joinstored.com/blogs/iwoca-flexible-business-loans

5. LendingTree

LendingTree provides a quick platform for comparing business loan options from various providers. It helps match UK businesses with suitable funding sources, whether direct lenders or brokered panels, for fast funding solutions in different sectors.

Loan and pricing details

• Min amount: Unknown
• Max amount: Unknown
• APR min: Unknown
• APR max: Unknown
• Loan durations: Varies by lender

Funding range note: Unknown, varies with funders.

Speed: Funds can be available within 24 to 48 hours

Interest rate notes: Rates depend on lender offers, competitive market-driven.

Eligibility

• Min trading months: Unknown
• Min monthly turnover: Unknown
• Credit flexibility: Varies across lenders compared.

Personal guarantee: Varies by funding source.

Homeowner advantage: Depends on the lender chosen post-comparison.

Services and sectors

• Products: loan_comparison, credit_cards
• Industries: general_business

Best for

• fast loan comparisons
• quick cash needs

Pros

• Wide lender network
• Quick access

Cons

• Not a direct lender
• Depends on third-party terms

Sources: https://www.lendingtree.com/business/fast-business-loans/ https://www.lendingtree.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.