eCapital (UK): products, terms and eligibility

eCapital (UK) is a UK provider of invoice finance. The legal entity named on its site is eCapital Commercial Finance Ltd, company number 04206708. It is based in Reading. It is part of eCapital Corp..

eCapital Commercial Finance Ltd (company number 04206708) is the UK arm of eCapital Corp. Its site says eCapital has been in business for more than 20 years and lists related UK companies eCapital Commercial Finance (North) Ltd and eCapital Commercial Finance (South West) Ltd. Its registered office is in Reading and it lists UK offices in Reading, Glasgow, Manchester, Bristol and Birmingham. It offers a cross-border UK-US service.

In its own words on scale:

• Says it has funded more than £13 billion in the UK (figure on its site in October 2026).
• Says it has more than £10M of funding lines available in the UK and that its average funded turnover is £2M (figures on its site in October 2026).
• Says it serves 80+ industries.

Everything on this page comes from what eCapital (UK) publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

eCapital (UK) publishes 4 products for UK businesses. The table above gives the amounts and terms as it states them.

• Invoice finance: eCapital advances against approved invoices and handles the sales ledger and collections; balance released when the customer pays.
• Invoice discounting: Confidential; you keep collecting from customers; balance released once payment is received.
• Selective invoice finance: Finance specific invoices without committing the whole ledger.
• Bad debt protection: Protection against non-payment or customer insolvency.

Invoice finance

The business submits unpaid invoices, eCapital verifies and advances against approved invoices, and customers pay eCapital directly on their normal terms. eCapital handles collections and credit control. The site says its Selective Invoice Finance option offers up to 80% funding on chosen invoices, and that facilities scale with sales rather than having a fixed loan term. Collateral and personal guarantee terms are not stated on the page read.

Invoice discounting

The business selects invoices to fund and receives an advance of up to 90% of invoice value, with the balance released once the customer pays. The business keeps collections and credit control, and the arrangement can be confidential, with customers paying the business, often through a trust arrangement. It is described as suited to established SMEs with strong credit control processes.

Selective invoice finance

Lets a business choose specific invoices to finance rather than the whole sales ledger, with up to 80% funding on chosen invoices according to the invoice finance page.

Bad debt protection

Credit insurance built into the invoice finance facility. Invoices of customers that have been credit-checked and approved are protected, and eCapital says it absorbs the loss up to the agreed limit if the customer becomes insolvent, enters administration or defaults for a prolonged period. Real-time debtor monitoring is included. Cover percentages and exclusions are not published on the page read.

eCapital (UK) says its finance is used for:

• Releasing cash tied up in unpaid invoices
• Funding growth
• Smoothing seasonal revenue
• Managing long customer payment terms
• Funding recruitment payroll and contractor payments

Sectors and business types it says it funds:

• Manufacturing
• Recruitment
• Wholesale
• Transport and logistics
• Healthcare
• Telecommunications
• Training and professional services

eCapital (UK) publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• UK SMEs from start-ups to established companies.
• Sectors named include logistics, recruitment, wholesale and manufacturing.
• Businesses invoicing customers on credit terms (30, 60 or 90 days given as examples).

eCapital (UK) describes its process like this:

1. An adviser or business completes the intake form with business details.
2. eCapital says whether it can provide a solution.
3. Customers are credit-checked and invoices approved for funding.
4. Funding is arranged and ongoing support continues.

Every application is subject to status and the lender’s own criteria at the time.

Invoice finance releases cash tied up in unpaid invoices: the provider advances part of an invoice’s value when you raise it and pays the balance, less its charges, when your customer pays. With factoring the provider collects from your customers; with invoice discounting you keep collecting yourself.

Providers assess your customers as much as your own business: who owes you, on what terms and how concentrated the debt is. It suits firms that sell on credit to other businesses, such as recruitment agencies and manufacturers.

Points eCapital (UK) publishes that are worth knowing:

• Invoices are verified and approved before funds are advanced.
• Invoice finance uses your invoices as collateral rather than a fixed-term loan.
• Part of a group that also operates in the US and Canada.

Security and guarantees

Collateral, debenture and personal guarantee terms are not stated on the pages read. Under invoice finance, customers pay eCapital directly; under discounting, collections stay with the business.

The pages we checked do not carry a regulatory statement, so we describe none. Ask eCapital (UK) how it is regulated and check any claim on the FCA Register.

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of invoice finance with profiles here include Hydr, Partnership Invoice Finance and Penny. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.