Looking to compare Capify with other UK funding providers?
Capify is one of the most established MCA providers in the UK. But every provider uses a different model, and comparing is the smartest way to make sure you're getting the right deal. We work with Capify and several other providers, so you can see all your options in one place.
Last updated: April 2026
Think of it like car insurance. Two insurers look at the same driver and come back with different prices. Not because one is wrong, but because each uses a different scoring model. Business lenders work the same way.
That's why comparing matters. The same business can get different offers from different providers. The only way to know which suits you best is to compare.
Provider comparison
| Provider | Type | Speed | Min Turnover | Min Trading | Credit Check |
|---|---|---|---|---|---|
| CapifyFeatured | MCA | 24 hours | £5,000/month | 6 months | Soft |
| YouLend | MCA | 24-48 hours | £5,000/month | 3 months | Soft |
| 365 Finance | RBF / MCA | 24-48 hours | £5,000/month | 6 months | Soft |
| iwoca | Flexi-Loan | 24 hours | £10,000/month | 6 months | Hard |
| Funding Circle | Term Loan | 1-5 days | Varies | 2 years | Hard |
| Fleximize | Business Loan | 24-48 hours | £5,000/month | 6 months | Soft initial |
Capify
Fast decisions and funding
Long-established UK MCA provider
Wide sector coverage
Card-based repayments only
May require higher turnover for best rates
Not available for very new businesses
YouLend
Low entry threshold
Integrates with Shopify, Amazon, Dojo
Repayments flex with card sales
Limited to card-based revenue
Factor rates vary by platform
May not suit invoice-heavy businesses
365 Finance
Revenue-based repayments
Strong for hospitality
Works off bank statements too
Higher minimums than some providers
Pricing varies by sector
Not suited to very new businesses
iwoca
Flexible drawdown and repayment
Strong for B2B and service businesses
Repeat facilities with growing limits
Hard credit check
Fixed repayments not linked to revenue
Requires consistent monthly revenue
Funding Circle
Larger loan amounts available
Fixed repayments for planning
Government-backed options (GGS)
Longer minimum trading history
Hard credit check
Fixed repayments don't flex with revenue
Fleximize
Flexible loan terms
Option to top-up after 3 months
Revenue-linked repayment options
Pricing depends on individual assessment
May require more documentation
Not the fastest for very small amounts
Frequently asked questions
What other providers can I compare alongside Capify?▼
YouLend, 365 Finance, iwoca, Funding Circle, and Fleximize all sit alongside Capify on our panel. Each provider has a different model and specialism. Comparing across the panel is the best way to find the right fit for your business.
Is Capify a good provider?▼
Yes. Capify is one of the longest-established MCA providers in the UK. They are known for fast decisions, competitive rates, and working across a wide range of business sectors. Like all providers, their model suits some businesses more than others.
How is Capify different from iwoca?▼
Capify offers merchant cash advances where repayments come from a percentage of your daily card sales. iwoca offers a Flexi-Loan where you draw down from a credit facility and repay in instalments. The right choice depends on whether you prefer repayments linked to sales or fixed monthly amounts.
Does comparing lenders affect my credit score?▼
No. Most providers on our panel use soft credit checks that don't appear on your credit file. We always confirm the type of check before submitting your application.
Why compare through CapExpand instead of going to Capify directly?▼
You can absolutely apply to Capify directly. But comparing through us means one application goes to multiple providers including Capify. You get competing offers, which means better visibility on pricing. Our service is free. We are paid by the lender, not by you.
Real customers. Real reviews.
Verified on Trustpilot
“We had the money in three days. Alex called me back the same afternoon.”
“Alex is very helpful during the time I needed it most, responding to the need quickly and timely. Helping to analyse things and giving insights on how to choose a better option.”
See how the providers stack up for your business.
One form goes to our full panel, including Capify. You compare the offers and pick the one that works. Costs you nothing.