Liberis Alternatives

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

Quick Compare:

1. Capify

Capify focuses on unsecured small business loans and merchant cash advances in the UK. It offers quick funding and flexible repayment options, suitable for businesses seeking short-term capital. The provider caters to SMEs that want to compare Liberis with other panels or faster routes.

Loan and pricing details

• Min amount: £5,000
• Max amount: £3,000,000
• APR min: Unknown
• APR max: Unknown
• Loan durations: 3 months to 5 years

Funding range note: from £5,000 to £3,000,000

Speed: Same-day funding available

Interest rate notes: Set based on a risk profile; high rates for short terms

Eligibility

• Min trading months: Unknown
• Min monthly turnover: Unknown
• Credit flexibility: Flexible based on business needs

Personal guarantee: PG may be required depending on the loan size

Homeowner advantage: Not specifically advantageous

Services and sectors

• Products: term_loan, merchant_cash_advance
• Industries: Hospitality, Retail, Construction

Best for

• short-term funding needs
• businesses seeking unsecured loans
• businesses with quick capital needs

Pros

• High flexibility in loan use
• Quick funding

Cons

• High interest rates for short terms

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

2. YouLend

YouLend specialises in merchant cash advances with repayments linked to sales volumes. It provides flexible options suitable for businesses with sales through card transactions. The service is fast and offers a flexible approach to funding in the UK, often brokered through panels.

Loan and pricing details

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

Funding range note: Unknown

Speed: Rapid online processing

Interest rate notes: Rates are linked to sales volumes and are flexible

Eligibility

• Min trading months: 3
• Min monthly turnover: £1,500
• Credit flexibility: Flexible for businesses with card sales

Personal guarantee: No PG typically required

Homeowner advantage: Not applicable

Services and sectors

• Products: merchant_cash_advance
• Industries: Retail, E-commerce

Best for

• businesses with fluctuating sales volumes
• those not meeting traditional banking criteria
• small retail businesses

Pros

• No fixed fees
• Repayments adaptable to sales

Cons

• Can be expensive compared to traditional loans

Sources: https://www.youlend.com/merchants

3. iwoca

iwoca specialises in providing flexible small business loans across various industries. It offers quick decision-making and aims to support businesses with different needs and growth plans. The platform often brokers access through panels for faster processing.

Loan and pricing details

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

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

Speed: Fast approval, typically within hours

Interest rate notes: Pricing is risk-based with no fixed APR

Eligibility

• Min trading months: Unknown
• Min monthly turnover: Unknown
• Credit flexibility: Accepts varied credit profiles

Personal guarantee: PG often required for higher amounts

Homeowner advantage: Helps with terms but not mandatory

Services and sectors

• Products: term_loan
• Industries: Services, Manufacturing, Transport

Best for

• businesses with steady revenue streams
• startups needing quick access to funds
• small to medium enterprises

Pros

• Quick funding
• Low minimum loan size

Cons

• Interest rates can be high for riskier profiles

Sources: https://www.iwoca.co.uk/small-business-loans

4. Nucleus Commercial Finance

Nucleus provides funding solutions mainly focused on asset-based and cash flow finance for UK SMEs. It offers flexible financing options so businesses can secure working capital or refinance assets. The platform often brokers access and evaluates options based on security and impact.

Loan and pricing details

• Min amount: £3,000
• Max amount: £500,000
• APR min: Unknown
• APR max: Unknown
• Loan durations: Up to 5 years

Funding range note: from £3,000 to £500,000

Speed: Rapid decision-making

Interest rate notes: Interest rates depend on risk and asset valuation

Eligibility

• Min trading months: Unknown
• Min monthly turnover: Unknown
• Credit flexibility: Varies, designed to assist various credit profiles

Personal guarantee: Possible PG depending on loan type

Homeowner advantage: Favorable but not mandatory

Services and sectors

• Products: asset_finance, work_loan
• Industries: Logistics, Retail, Manufacturing

Best for

• businesses needing short-term cash flow solutions
• those looking for asset-based lending
• companies with seasonal fluctuations

Pros

• Diverse funding products
• Supports asset-heavy businesses

Cons

• Complex product offerings
• May require detailed financials

Sources: https://nucleuscommercialfinance.com/

5. Funding Circle

Funding Circle specialises in peer-to-peer lending for UK small and medium businesses. It provides quick access to finance with fixed interest rates and often brokers deals for faster processing. The platform is suitable for SMEs looking for a straightforward funding route with transparent terms.

Loan and pricing details

• Min amount: £10,000
• Max amount: £750,000
• APR min: 6.9%
• APR max: 10.9%
• Loan durations: 1 to 5 years

Funding range note: from £10,000 to £750,000

Speed: Decision usually within 48 hours

Interest rate notes: Interest rates start at 6.9% for strong credit profiles

Eligibility

• Min trading months: Unknown
• Min monthly turnover: Unknown
• Credit flexibility: Good credit preferred

Personal guarantee: Typically required for loans

Homeowner advantage: Not specifically advantageous

Services and sectors

• Products: term_loan
• Industries: Hospitality, Healthcare, Retail

Best for

• businesses looking for peer-to-peer loans
• those seeking fixed interest options
• stable businesses with good credit

Pros

• Fixed rates
• Transparent fee structure

Cons

• May require property as collateral

Sources: https://www.fundingcircle.com/uk/small-business-loans/

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. Funding Agent helps identify suitable lenders.