Alternatives to Capitalise
The 3 UK alternatives to Capitalise on this page are Hydr, Bibby Financial Services and Ultimate Finance. The table shows what each one publishes about minimum turnover, advance and fees, next to Capitalise, with a link to each provider's own website.
What this page covers
This page covers:
UK invoice finance alternatives to Capitalise, compared on product type, minimum turnover, advance, fees, setup time and our rating.
Not covered here:
In-depth single-provider reviews (see /providers/), head-to-head comparisons (see /vs/), general invoice finance education (see /guides/)
Capitalise and the 3 alternatives side by side
| Compared on | Capitalise | Hydr | Bibby Financial Services | Ultimate Finance |
|---|---|---|---|---|
| Product | Funding platform via accountants (broker) | Single-invoice finance (digital, selective) | Invoice finance (factoring, CID) | Invoice finance (factoring, CID), bridging, asset finance |
| Min turnover | Not published | Not published | Not published | £600k |
| Advance | Up to 90% (funder dependent) | Up to 100% per invoice | Up to 95% | Up to 95% |
| Fees | Not published | Flat fee per invoice financed | Not published | Not published |
| Setup time (our guide) | Funds 24 to 48 hours after approval | Not published | Not published | Within one week |
| Our rating (out of 5) | 4.0 | 4.2 | 4.4 | 4.3 |
| Source | capitalise.com | hydr.co.uk | bibbyfinancialservices.com | ultimatefinance.co.uk |
Minimum turnover, advance and fees are as published on each provider's own website, checked between 1 October 2026 and 11 November 2026. "Not published" means we read the provider's own pages and it gives no figure. Capitalise is a broker, not a lender: the figures depend on the lender you are matched with. Setup times are a guide from our records, not a promise from the provider. Ratings are our own view, not a figure from the provider (how we rate providers).
More on each alternative
- Hydr: Our Hydr profile · Capitalise vs Hydr · hydr.co.uk
- Bibby Financial Services: Our Bibby Financial Services profile · bibbyfinancialservices.com
- Ultimate Finance: Our Ultimate Finance profile · ultimatefinance.co.uk
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Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam was managing director of Penny, a UK invoice finance business, from July 2020 to November 2023. His career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library. Career record.
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