Bibby Financial Services vs eCapital: UK Invoice Finance Comparison 2026
See how Bibby Financial Services compares to eCapital side by side, then get three tailored quotes to weigh alongside them. Free, no obligation, and nothing to pay if you decide not to proceed.
Start here: what fits your business?
Both are UK invoice finance providers outside the high street banks. Bibby Financial Services advances up to 95%, setup time not published; eCapital advances up to 90%, setup time not published. Neither publishes a minimum turnover.
Side-by-side
Full reviews: Bibby Financial Services · eCapital
| Compared on | Bibby Financial Services | eCapital |
|---|---|---|
| Product type | Invoice finance (factoring, CID) | Invoice finance (factoring, CID, selective) |
| Min turnover | Not published | Not published |
| Advance rate | Up to 95% | Up to 90% |
| Typical fee | Not published (quoted per facility) | Not published (quoted per facility) |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | Not published | Not published |
Sources for these figures: Bibby Financial Services: advance rate · Bibby Financial Services: founding date; "funding more than 8,500 businesses in 300 industry sectors worldwide" · Bibby Financial Services: invoice factoring, up to 95%, "usually within 24 hours of raising it" · Bibby Financial Services: invoice discounting ("control, confidentiality and cashflow") · Bibby Financial Services: recruitment finance · Bibby Financial Services: BFS acquires Aldermore's Working Capital Finance division (June 2023) · eCapital UK: invoice discounting, advance up to 90%, cash within 24 hours · eCapital UK: products and funding lines; industries listed include manufacturing, recruitment, wholesale and transport; UK, United States and Canada sites · eCapital UK: invoice finance ("eCapital handles your sales ledger and collections"), invoice discounting and selective invoice finance
When Bibby Financial Services wins
- Has its own Construction Finance team and a Recruitment Finance product.
- Acquired Aldermore's Working Capital Finance division in June 2023 (announced by both firms).
Best for
Construction subcontractors, Recruitment agencies, SME manufacturing.
When eCapital wins
- Offers invoice finance where it runs your sales ledger and collections, confidential invoice discounting and selective invoice finance.
- Part of the eCapital group, which also lends in the United States and Canada.
- Lists manufacturing, recruitment, wholesale and transport among the industries it funds.
Best for
Recruitment and transport ledgers, SMEs wanting factoring, discounting or selective funding from one lender.
FAQ
Bibby Financial Services or eCapital: which is the better fit for UK invoice finance in 2026?
On what they publish, they differ on the most they advance (Bibby Financial Services: up to 95%; eCapital: up to 90%). Start with the one whose published terms fit your business, then compare a quote from each.
How do Bibby Financial Services and eCapital price their facilities?
Neither publishes its pricing; both quote per facility. Get a written quote from each on the same invoices and compare the total cost.
Can I get a confidential facility with either Bibby Financial Services or eCapital?
Both Bibby Financial Services and eCapital offer confidential invoice discounting (your customers are not notified).
Can Market Invoice help me choose between Bibby Financial Services and eCapital?
Yes. marketinvoice.co.uk is an independent comparison and introducer service operated by Best Business Loans Ltd (company 16833937), and is not tied to either provider. Share your turnover, sector and debtor profile and we pass your details to one or more of the finance partners we work with, who come back to you with quotes, with no obligation to proceed.
Related
- Full Bibby Financial Services review
- Full eCapital review
- Bibby Financial Services alternatives
- eCapital alternatives
- Close Brothers Invoice Finance vs Ultimate Finance
- Aldermore Invoice Finance vs Close Brothers Invoice Finance
- Allianz Trade vs Close Brothers Invoice Finance
- All UK invoice finance comparisons
- Browse every reviewed UK invoice finance provider
- UK invoice finance by region
Sources
- Figures for Bibby Financial Services come from its own website.
- Figures for eCapital come from its own website.
- Bibby Financial Services: advance rate
- Bibby Financial Services: founding date; "funding more than 8,500 businesses in 300 industry sectors worldwide"
- Bibby Financial Services: invoice factoring, up to 95%, "usually within 24 hours of raising it"
- Bibby Financial Services: invoice discounting ("control, confidentiality and cashflow")
- Bibby Financial Services: recruitment finance
- Bibby Financial Services: BFS acquires Aldermore's Working Capital Finance division (June 2023)
- eCapital UK: invoice discounting, advance up to 90%, cash within 24 hours
- eCapital UK: products and funding lines; industries listed include manufacturing, recruitment, wholesale and transport; UK, United States and Canada sites
- eCapital UK: invoice finance ("eCapital handles your sales ledger and collections"), invoice discounting and selective invoice finance
Get free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. We pass your details to one or more of the finance partners we work with, who come back to you with quotes. Free, and no obligation to proceed.
Get my quotes →Best Business Loans Ltd (16833937), directed by Oliver Mackman, owns and operates Market Invoice. Last updated: .
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Disclosure: marketinvoice.co.uk is an independent invoice finance comparison and introducer service operated by Best Business Loans Ltd (company number 16833937). It is a separate business and is not connected to Kriya, Allica Bank or to any provider named on this page. We may be paid by the finance partners we introduce you to. This could be a fee or commission, depending on the partner and the finance arranged. It does not change what you pay. Invoice finance for limited companies is not a regulated activity, so this comparison is general information rather than regulated financial advice. Figures are indicative; larger facilities are commonly priced bespoke, so confirm terms directly with the provider before you sign.