Alternatives to Capitalise
4 UK invoice finance alternatives to Capitalise, compared on advance rate, setup speed, transparency, minimum turnover and best-fit.
The leading UK invoice finance alternatives to Capitalise are Kriya (Allica Bank), Hydr, Bibby Financial Services and Ultimate Finance, compared here on advance rate, setup speed, minimum turnover and rating. More detail + scope
Summary
Capitalise is benchmarked against 4 UK invoice finance alternatives: Kriya (Allica Bank), Hydr, Bibby Financial Services and Ultimate Finance. Each is compared on product type, minimum turnover, advance rate, typical rate, setup speed and overall rating, so you can see which fits your turnover and how fast you need funding. MarketInvoice then matches you to the best-fit provider.
This page covers
UK invoice finance alternatives to Capitalise, compared on product type, minimum turnover, advance rate, typical rate, setup speed and rating
Not covered here
In-depth single-provider reviews (see /providers/), head-to-head comparisons (see /vs/), general invoice finance education (see /guides/)
Capitalise vs the 4 alternatives
| Capitalise | Kriya (Allica Bank) | Hydr | Bibby Financial Services | Ultimate Finance | |
|---|---|---|---|---|---|
| Product | Funding platform via accountants (broker) | Single-invoice finance, embedded finance | Single-invoice finance (digital, selective) | Invoice finance (factoring, CID, ABL) | Invoice finance (factoring, CID), bridging, asset finance |
| Cluster | fintech | fintech | fintech | independent | independent |
| Min turnover | Varies by funder | No minimum | No minimum | £100k | Not published |
| Advance rate | Up to 90% (funder dependent) | Up to 100% per invoice | Up to 100% per invoice | Up to 90% | Up to 95% |
| Typical rate | Funder rates via platform matching | 1% to 4% per invoice | Flat fee per invoice financed | 0.5% to 3% service charge plus discount margin | Quoted per facility (not published) |
| Setup speed | 3 to 10 working days | 1 working day | Same day to 1 working day | 5 working days | 3 working days |
| Rating | 4.0 | 4.5 | 4.2 | 4.4 | 4.3 |
Kriya (Allica Bank)
1 working day · Up to 100% per invoiceFintech invoice finance leader, £4bn+ processed, acquired by Allica Bank October 2025. Pure single-invoice (selective) model: pay per invoice financed, no whole-book commitment. Setup in 1 day. Embedded finance integrati
Hydr
Same day to 1 working day · Up to 100% per invoiceA Manchester-based fintech offering fully digital single-invoice finance with same-day onboarding and a flat transparent fee per invoice. Hydr integrates with accounting software and suits smaller businesses that want to
Bibby Financial Services
5 working days · Up to 90%The largest UK independent invoice finance provider by volume, family-owned, 40+ years in market. Strong on sector breadth (construction, recruitment, manufacturing, wholesale) and SME accessibility. Setup typically 5 wo
Ultimate Finance
3 working days · Up to 95%One of the fastest mainstream UK invoice finance setups we track, 3 working days typical. Owned by Tavistock Group. Strong on SME accessibility, flexible underwriting, and broader product set (also asset finance + bridgi
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How we make money: Market Invoice is an independent comparison service, not a lender. If you take a facility after we introduce you, the provider pays us a commission; you never pay us and it is never added to your costs. How we are funded.
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
Last reviewed: 27 May 2026