Capitalise vs MarketInvoice
Capitalise.com and MarketInvoice both match UK SMEs to invoice finance providers, but operate differently. Capitalise is a broker-and-advisor platform: accountants use it as a software portal to submit clients to a panel of UK lenders, with Capitalise's panel manager handling the deal flow. MarketInvoice is an independent comparison-and-routing publisher: businesses go direct, we compare every UK invoice finance provider that fits and route you to the best match in 2 minutes. The decision between the two usually comes down to whether your accountant already uses Capitalise, or whether you want to compare directly without going through an advisor middle layer.
Director, Market Invoice
Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.
Last reviewed: 22 May 2026
Side-by-side
| Feature | Capitalise | MarketInvoice |
|---|---|---|
| Model | Broker portal used by accountants | Direct whole-of-market comparison |
| Entry point | Through your accountant (usually) | Direct, no advisor required |
| Scope | SME finance broadly (loans, invoice finance, asset finance, R&D) | Invoice finance specialist comparison |
| Panel breadth | 100+ UK lenders across all products | Every UK invoice finance provider including Bibby, Close Brothers, Kriya, Optimum, Ultimate |
| Fees to you | Free at point of use (lender pays commission) | Free at point of use (lender pays commission) |
| Speed to first quote | Depends on accountant's submission cadence | 2-minute form, same-day match |
When Capitalise wins
Your accountant is already a Capitalise partner. UK accountancy firms that use Capitalise as their client-finance portal can submit you to the Capitalise panel without you doing any of the form-filling. If your accountant is on Capitalise and actively recommends it, the marginal effort to use them is near zero.
You want SME finance breadth, not invoice finance specifically. Capitalise covers term loans, asset finance, R&D advance, working capital and other SME products in one portal. If you are not sure invoice finance is the right product, the broader breadth helps. (We cover the same breadth across our sister sites, MarketInvoice for invoice finance, BestBusinessLoans for editorial reviews and FundBiz for specialty finance, but split across three sites by product, not bundled.)
When MarketInvoice wins
You want to compare invoice finance specifically without going through your accountant. MarketInvoice is direct: you submit your profile in two minutes, we match across every UK invoice finance provider and surface the best-fit options. No intermediary.
You want editorial transparency on the panel. Capitalise discloses its lender relationships at submission. MarketInvoice publishes editorial comparisons (every /best/ page, every /vs/ matchup, every /compare/ page) where you can see who we route to and why, before you submit. Our methodology and ranking criteria are open.
You want speed. Two minutes to the form, same-day match. Capitalise routes through your accountant's submission cycle, which adds days depending on the accountant's workload.
Note on the "MarketInvoice" name
The MarketInvoice brand is operated by Best Business Loans Ltd (16833937) as an independent editorial comparison publisher. The original MarketInvoice plc rebranded to Kriya in 2022; that business is now a UK invoice finance lender on this very panel (we compare Kriya alongside Bibby, Close Brothers and the rest). The two are separate entities; the editorial comparison brand acquired the dormant marketinvoice.co.uk domain in 2024.
Related
- Compare all UK invoice finance providers
- Bibby vs MarketInvoice
- Kriya (the rebranded original MarketInvoice plc)
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Last reviewed: 2026-05-22. Capitalise and MarketInvoice are independent UK businesses with no commercial relationship. Operating-model descriptions reflect public-published 2026 information on both platforms; verify current offering on Capitalise's own site before relying for procurement decisions.