Capitalise vs Funding Circle: UK Business Finance Comparison 2026
See how Capitalise compares to Funding Circle side by side, then get three tailored quotes to weigh alongside them. Free, no obligation, and nothing to pay if you decide not to proceed.
Start here: what fits your business?
These are different products rather than like-for-like invoice finance rivals (Capitalise: funding platform via accountants (broker); Funding Circle: business term loans and flexipay (not invoice finance)). UK businesses still weigh them side by side, so the real question is which job you need doing, not which is the better invoice finance line. Capitalise matches you to a panel funder (its stated speed: funds 24 to 48 hours after approval); Funding Circle typically takes 48 hours (funds, after acceptance) to set up. Capitalise has no single minimum; each panel funder sets its own, Funding Circle does not publish a minimum turnover figure.
Side-by-side
Full reviews: Capitalise · Funding Circle
| Compared on | Capitalise | Funding Circle |
|---|---|---|
| Product type | Funding platform via accountants (broker) | Business term loans and FlexiPay (not invoice finance) |
| Min turnover | No single minimum; each panel funder sets its own | Not published |
| Advance rate | Up to 90% (funder dependent) | N/A (term loan, not advance against ledger) |
| Typical fee | Funder rates via platform matching | Rates starting at 6.9% per year (business loans) |
| Confidential available? | Yes, via panel funders | N/A |
| Factoring available? | Yes, via panel funders | N/A |
| Setup speed | Funds 24 to 48 hours after approval | 48 hours (funds, after acceptance) |
Sources for these figures: Capitalise: invoice finance via its panel of 130+ UK lenders; advance "usually reaching your account within 48 hours of approval", first advance "within 24 hours" once approved · Capitalise: invoice discounting (confidential) · Capitalise: invoice factoring, advance up to 90% · Funding Circle: founding date · Funding Circle: loans from 6.9% per year, funds typically within 48 hours · Funding Circle: business loan £10,000 to £750,000, up to 6 years, one-off completion fee (checked 1 November 2026) · Funding Circle: £18 billion lent to over 135,000 UK businesses · Funding Circle: "If a personal guarantee is required or there are any offer conditions, these will also need to be completed"
When Capitalise wins
- Funding platform with 130+ UK lenders on its panel.
- Also offers business credit scores.
- Routes invoice finance alongside loans and asset finance.
- Strong fit when your accountant manages the process.
Best for
Businesses whose accountant arranges funding, Owners who also want a business credit score, Comparison-led buyers.
Watch outs
- A platform and broker, not a direct lender.
- Terms and underwriting set by the matched funder.
When Funding Circle wins
- Established large-scale UK SME lending platform.
- Fixed repayments make budgeting predictable.
- No debtor notification and no ledger management.
- Fast online application and decisioning.
Best for
One-off growth or capital projects, Predictable fixed-repayment borrowers, Businesses without a strong sales ledger.
Watch outs
- Not invoice finance: a term loan, not a ledger advance.
- Funding does not scale automatically with sales.
- May require a personal guarantee.
FAQ
Capitalise or Funding Circle: which fits your business in 2026?
They do different jobs (see the product types above), so pick by the job you need doing.
How do Capitalise and Funding Circle price their facilities?
Pricing: Capitalise, funder rates via platform matching; Funding Circle, rates starting at 6.9% per year (business loans). Get a written quote from each on the same invoices and compare the total cost.
Can I get a confidential facility with either Capitalise or Funding Circle?
Capitalise is not a lender itself, but confidential invoice discounting is available through the funders on its panel, who set the terms. Funding Circle is not an invoice finance facility, so confidential invoice discounting does not apply.
Who is each one not suited to?
Capitalise is a poor fit for direct-to-lender applicants. Funding Circle is a poor fit for funding that flexes with turnover. If that describes your business, you can get free quotes through our quote form.
Can Market Invoice help me choose between Capitalise and Funding Circle?
Yes. marketinvoice.co.uk is an independent comparison and introducer service operated by Best Business Loans Ltd (company 16833937), and is not tied to either provider. Share your turnover, sector and debtor profile and we pass your details to one or more of the finance partners we work with, who come back to you with quotes, with no obligation to proceed.
Related
Sources
- Figures for Capitalise come from its own website.
- Figures for Funding Circle come from its own website.
- Capitalise: invoice finance via its panel of 130+ UK lenders; advance "usually reaching your account within 48 hours of approval", first advance "within 24 hours" once approved
- Capitalise: invoice discounting (confidential)
- Capitalise: invoice factoring, advance up to 90%
- Funding Circle: founding date
- Funding Circle: loans from 6.9% per year, funds typically within 48 hours
- Funding Circle: business loan £10,000 to £750,000, up to 6 years, one-off completion fee (checked 1 November 2026)
- Funding Circle: £18 billion lent to over 135,000 UK businesses
- Funding Circle: "If a personal guarantee is required or there are any offer conditions, these will also need to be completed"
Get free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. We pass your details to one or more of the finance partners we work with, who come back to you with quotes. Free, and no obligation to proceed.
Get my quotes →Best Business Loans Ltd (16833937), directed by Oliver Mackman, owns and operates Market Invoice. Last updated: .
Compare Capitalise and Funding Circle quotes
Free, no obligation. Tell us about your business and we pass your details to one or more of the finance partners we work with, who come back to you with quotes.
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How we make money: Market Invoice is an independent comparison service, not a lender. We may be paid by the finance partners we introduce you to. This could be a fee or commission, depending on the partner and the finance arranged. It does not change what you pay. How we are funded.
Disclosure: marketinvoice.co.uk is an independent invoice finance comparison and introducer service operated by Best Business Loans Ltd (company number 16833937). It is a separate business and is not connected to Kriya, Allica Bank or to any provider named on this page. We may be paid by the finance partners we introduce you to. This could be a fee or commission, depending on the partner and the finance arranged. It does not change what you pay. Invoice finance for limited companies is not a regulated activity, so this comparison is general information rather than regulated financial advice. Figures are indicative; larger facilities are commonly priced bespoke, so confirm terms directly with the provider before you sign.