Alternatives to eCapital
The 4 UK alternatives to eCapital on this page are Bibby Financial Services, Ultimate Finance, IGF (Independent Growth Finance) and Time Finance. The table and the note under it show what each one publishes about minimum turnover, advance, fees and setup time, next to eCapital, with a link to each provider's own website.
What this page covers
This page covers:
UK invoice finance alternatives to eCapital, compared on product type, minimum turnover, advance, fees, setup time and our rating (where no provider publishes fees or setup times, the note under the table says so instead of a table row)
Not covered here:
In-depth single-provider reviews (see /providers/), head-to-head comparisons (see /vs/), general invoice finance education (see /guides/)
eCapital and the 4 alternatives side by side
| Compared on | eCapital | Bibby Financial Services | Ultimate Finance | IGF (Independent Growth Finance) | Time Finance |
|---|---|---|---|---|---|
| Product | Invoice finance (factoring, CID, selective) | Invoice finance (factoring, CID) | Invoice finance (factoring, CID), bridging, asset finance | Invoice finance (ABL, CID), asset-based lending | Invoice finance, asset finance, vehicle finance |
| Min turnover | Not published | Not published | £600k | £5m | Not published |
| Advance | Up to 90% | Up to 95% | Up to 95% | Up to 90% (receivables); stock up to 85%, plant up to 75% | Up to 90% |
| Our rating (out of 5) | 4.0 | 4.4 | 4.3 | 4.1 | 4.1 |
| Source | ecapital.com | bibbyfinancialservices.com | ultimatefinance.co.uk | igfgroup.com | timefinance.com |
Minimum turnover, advance and fees are as published on each provider's own website, checked between 1 October 2026 and 11 November 2026. "Not published" means we read the provider's own pages and it gives no figure. None of these 5 providers publishes its fees: each prices per facility. Only Ultimate Finance gives a setup time on its website ("within one week"); the others don't publish one. Ratings are our own view, not a figure from the provider (how we rate providers).
More on each alternative
- Bibby Financial Services: Our Bibby Financial Services profile · eCapital vs Bibby Financial Services · bibbyfinancialservices.com
- Ultimate Finance: Our Ultimate Finance profile · eCapital vs Ultimate Finance · ultimatefinance.co.uk
- IGF (Independent Growth Finance): Our IGF (Independent Growth Finance) profile · eCapital vs IGF (Independent Growth Finance) · igfgroup.com
- Time Finance: Our Time Finance profile · eCapital vs Time Finance · timefinance.com
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Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam was managing director of Penny, a UK invoice finance business, from July 2020 to November 2023. His career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library. Career record.
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