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.
Official site: Capitalise
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.
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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, Hydr, Optimum, Ultimate |
| Fees to you | Free at point of use (introduction partner pays a fixed fee) | Free at point of use (introduction partner pays a fixed fee) |
| 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 and FundBiz for specialty finance, but split across two 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 to skip the accountant step. Two minutes to the form, no advisor in the loop. Capitalise routes through your accountant's submission cycle, which adds days depending on the accountant's workload.
Note on the "MarketInvoice" name
Market Invoice is operated by Best Business Loans Ltd (16833937) as an independent editorial comparison publisher. It is not connected to Kriya, Allica Bank or any lender.
Related
Capitalise vs MarketInvoice FAQ
What is the difference between Capitalise and MarketInvoice?
Capitalise is a broker-and-advisor portal that UK accountants use to submit clients to a panel of over 100 lenders across all SME products. MarketInvoice is a direct, invoice-finance-specialist comparison publisher: you submit your profile yourself in two minutes and we match across every UK invoice finance provider. The choice usually depends on whether your accountant already uses Capitalise.
Do Capitalise or MarketInvoice charge me a fee?
Neither charges the business at point of use; both are free to you because the finance side pays them, not you. The practical difference is the route in: Capitalise is typically accessed through your accountant, while MarketInvoice is direct with no advisor middle layer.
Is Market Invoice connected to Kriya or Allica Bank?
No. Market Invoice is operated by Best Business Loans Ltd (16833937), an independent comparison publisher. It is not connected to Kriya, Allica Bank or any lender.
Which is faster to a first quote?
MarketInvoice uses a two-minute form, then eCapital, our introduction partner, handles your enquiry and comes back to you with quotes; we do not publish a timescale. Capitalise routes through your accountant's submission cadence, so the time to first quote depends on the accountant's workload and can add days. If you want to compare invoice finance specifically, going direct skips that step.
Related comparisons
Get 3 Free Invoice Finance Quotes
Free, no obligation. Tell us about your business and eCapital, our introduction partner, handles your enquiry and comes back to you with quotes.
Step 1 of 3 · Your business
Free to you: our introduction partner pays us a fixed fee for each introduction, whether or not you go ahead. See our privacy policy.
How we make money: Market Invoice is an independent comparison service, not a lender. Our introduction partner pays us a fixed fee for each business we introduce, whether or not you go ahead; you never pay us and it is never added to your costs. How we are funded.
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.