Alternatives to eCapital
The main UK invoice finance alternatives to eCapital are Bibby Financial Services, Ultimate Finance, IGF (Independent Growth Finance) and Time Finance, compared below on product type, minimum turnover, advance rate, typical fee, setup speed and our overall rating.
Pick the alternative that fixes whatever eCapital does not do for you: a lower entry point, faster setup, a higher advance or a different product type. More detail + scope
This page covers
UK invoice finance alternatives to eCapital, compared on product type, minimum turnover, advance rate, typical rate, setup speed and rating
Not covered here
In-depth single-provider reviews (see /providers/), head-to-head comparisons (see /vs/), general invoice finance education (see /guides/)
eCapital vs the 4 alternatives
| Compared on | eCapital | Bibby Financial Services | Ultimate Finance | IGF (Independent Growth Finance) | Time Finance |
|---|---|---|---|---|---|
| Product | Invoice finance (factoring, CID, selective) | Invoice finance (factoring, CID, ABL) | Invoice finance (factoring, CID), bridging, asset finance | Invoice finance (ABL, CID), asset-based lending | Invoice finance, asset finance, vehicle finance |
| Cluster | independent | independent | independent | independent | independent |
| Min turnover | Not published | Not published | Not published | £5m | £250k |
| Advance rate | Up to 90% | Up to 85% | Up to 95% | Up to 90% receivables + stock + plant | Up to 90% |
| Typical rate | Not published (quoted per facility) | Not published (quoted per facility) | Quoted per facility (not published) | Bespoke pricing | Not published (quoted per facility) |
| Setup speed | Not published | 5 working days | Within one week (up to 5 working days) | 10 working days | 7 working days |
| Rating | 4.0 | 4.4 | 4.3 | 4.1 | 4.1 |
Bibby Financial Services
5 working days · Up to 85%Describes itself as one of Europe's largest independent invoice finance providers, funding over 8,500 businesses; part of the family-owned Bibby Line Group and formed in 1982.
Ultimate Finance
Within one week (up to 5 working days) · Up to 95%Facility set up within one week, with funds paid within 24 hours of receiving invoices once live, according to Ultimate Finance. Owned by Tavistock Group.
IGF (Independent Growth Finance)
10 working days · Up to 90% receivables + stock + plantABL specialist combining invoice finance with stock and plant lending under one facility.
Time Finance
7 working days · Up to 90%AIM-listed UK independent specialist lender whose gross lending book passed £250m in 2026 (company RNS). Multi-product (IF + asset + loans).
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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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