Bibby Financial Services vs eCapital: UK Invoice Finance Comparison 2026

Both operate in UK independent invoice finance, outside the high street banks. They differ on sector focus, headline pricing and the minimum turnover they will consider. Bibby Financial Services advances up to 90% with setup typically in 5 working days; eCapital advances up to 90% with setup typically in 5 to 10 working days. Both need £100k minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.

Side-by-side

Full reviews: Bibby Financial Services · eCapital

As of 2026-05-27. Headline rates and advance percentages reflect each provider's published or commonly-offered position; larger facilities are typically priced bespoke, so verify before signing.
Bibby Financial Services eCapital
Product type Invoice finance (factoring, CID, ABL)Invoice finance (factoring, CID, ABL)
Min turnover £100k£100k
Advance rate Up to 90%Up to 90%
Typical fee 0.5% to 3% service charge plus discount marginNegotiated service charge plus discount margin
Confidential available? YesYes
Factoring available? YesYes
Setup speed 5 working days5 to 10 working days
Last reviewed 2026-05-122026-05-27

When Bibby Financial Services wins

  • One of the largest UK independent invoice finance providers by volume.
  • Sector-specialist underwriting teams for construction, recruitment, manufacturing.
  • Setup typically around 5 working days for clean-credit cases.
  • Acquired Aldermore's Working Capital Finance division in June 2023 (announced by both firms).

Best for

Construction subcontractors, Recruitment agencies, SME manufacturing.

Watch outs

  • Service charge is negotiable but rarely the cheapest in the mainstream tier.
  • Personal guarantee standard for smaller facilities.
  • Larger facilities reviewed by credit committee, slower than fintech.

When eCapital wins

  • Full range: factoring, confidential discounting and ABL under one roof.
  • International group backing with UK underwriting.
  • Experience across recruitment, transport and wholesale ledgers.
  • Will consider businesses banks decline.

Best for

Recruitment and transport ledgers, SMEs wanting factoring plus ABL, Businesses declined by banks.

Watch outs

  • Headline rates negotiated rather than published.
  • Setup can run longer than fintech competitors.
  • Brand familiarity lower than the high street and large independents.

FAQ

Bibby Financial Services or eCapital: which is the better fit for UK invoice finance in 2026?

Bibby Financial Services is the stronger fit for construction subcontractors; eCapital fits recruitment and transport ledgers better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.

What are the headline commercials, Bibby Financial Services vs eCapital?

Bibby Financial Services advances up to 90% at 0.5% to 3% service charge plus discount margin. eCapital advances up to 90% at negotiated service charge plus discount margin. Both need £100k minimum turnover. Setup runs 5 working days for Bibby Financial Services and 5 to 10 working days for eCapital.

Can I get a confidential facility with either Bibby Financial Services or eCapital?

Bibby Financial Services offers confidential invoice discounting (your customers are not notified). eCapital offers confidential invoice discounting (your customers are not notified).

Where does each one struggle?

Bibby Financial Services is the wrong fit for sub-£100k turnover. eCapital is the wrong fit for buyers wanting published headline pricing. If either describes your business, browse the side-by-side or get matched against the wider UK panel via our quote form.

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 will match you against UK invoice finance providers likely to approve, with no obligation to proceed.

Related

Sources

Get matched in two minutes

Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. We match you against the UK invoice finance providers most likely to approve at a competitive rate. Free, and no obligation to proceed.

Get quotes →

Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-05-27. Editorial by Best Business Loans Ltd (16833937).

Compare Bibby Financial Services and eCapital quotes

Free, no-obligation quotes from 3 matched UK invoice finance providers. Takes 60 seconds.

Step 1 of 3 · Your business

Start typing and we'll search Companies House.

Your details are secure. See our privacy policy.

Free · No obligation · 24-hour indicative quotes

How we make money: Market Invoice is an independent comparison service, not a lender. If you take a facility after we introduce you, the provider pays us a commission; you never pay us and it is never added to your costs. How we are funded.

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 MarketFinance / Kriya or to any provider named on this page. If you take out a facility after we introduce you to a lender or broker, we may be paid a commission or referral fee by that party; this is never added to your costs. 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.