Capitalise vs Hydr: UK Invoice Finance Comparison 2026
See how Capitalise compares to Hydr 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?
These are different products rather than like-for-like invoice finance rivals (Capitalise: funding platform via accountants (broker); Hydr: invoice finance). UK businesses still weigh them side by side, so the real question is which job you need doing, not which is the better invoice finance line. Capitalise matches you to a panel funder (its stated speed: funds 24 to 48 hours after approval); Hydr advances up to 100% per invoice, setup time not published. Capitalise has no single minimum; each panel funder sets its own, Hydr does not publish a minimum turnover figure.
Side-by-side
Full reviews: Capitalise · Hydr
| Compared on | Capitalise | Hydr |
|---|---|---|
| Product type | Funding platform via accountants (broker) | Single-invoice finance (digital, selective) |
| Min turnover | No single minimum; each panel funder sets its own | Not published |
| Advance rate | Up to 90% (funder dependent) | Up to 100% per invoice |
| Typical fee | Funder rates via platform matching | Flat fee per invoice financed |
| Confidential available? | Yes, via panel funders | No |
| Factoring available? | Yes, via panel funders | Yes |
| Setup speed | Funds 24 to 48 hours after approval | Not published |
Sources for these figures: Capitalise: invoice finance via its panel of 130+ UK lenders; advance "usually reaching your account within 48 hours of approval", first advance "within 24 hours" once approved · Capitalise: invoice discounting (confidential) · Capitalise: invoice factoring, advance up to 90% · Hydr: 100% advance, fixed fee per invoice, onboarding under 10 minutes · Hydr: sign-up "takes less than 10 minutes"; "Paid within as little as 24 hours"
When Capitalise wins
- Funding platform with 130+ UK lenders on its panel.
- Also offers business credit scores.
- Routes invoice finance alongside loans and asset finance.
- Strong fit when your accountant manages the process.
Best for
Businesses whose accountant arranges funding, Owners who also want a business credit score, Comparison-led buyers.
Watch outs
- A platform and broker, not a direct lender.
- Terms and underwriting set by the matched funder.
When Hydr wins
- Sign-up takes under 10 minutes, by Hydr's account.
- Paid within as little as 24 hours, by Hydr's account.
- Integrates with Xero and other accounting platforms.
- Finance the invoices you choose, one at a time.
Best for
Selective single-invoice finance, Smaller and early-stage businesses, Xero-driven workflows.
Watch outs
- Selective single-invoice model, not whole-ledger factoring.
- Per-invoice fees can add up for high-volume users.
FAQ
Capitalise or Hydr: which fits your business in 2026?
They do different jobs (see the product types above), so pick by the job you need doing.
How do Capitalise and Hydr price their facilities?
Pricing: Capitalise, funder rates via platform matching; Hydr, flat fee per invoice financed. Get a written quote from each on the same invoices and compare the total cost.
Can I get a confidential facility with either Capitalise or Hydr?
Capitalise is not a lender itself, but confidential invoice discounting is available through the funders on its panel, who set the terms. Hydr does not run a confidential discounting product; the facility is disclosed factoring only.
Who is each one not suited to?
Capitalise is a poor fit for direct-to-lender applicants. Hydr is a poor fit for high-volume whole-ledger users. If that describes your business, you can get free quotes through our quote form.
Can Market Invoice help me choose between Capitalise and Hydr?
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
Sources
- Figures for Capitalise come from its own website.
- Figures for Hydr come from its own website.
- Capitalise: invoice finance via its panel of 130+ UK lenders; advance "usually reaching your account within 48 hours of approval", first advance "within 24 hours" once approved
- Capitalise: invoice discounting (confidential)
- Capitalise: invoice factoring, advance up to 90%
- Hydr: 100% advance, fixed fee per invoice, onboarding under 10 minutes
- Hydr: sign-up "takes less than 10 minutes"; "Paid within as little as 24 hours"
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: .
Compare Capitalise and Hydr quotes
Free, no obligation. Tell us about your business and we pass your details to one or more of the finance partners we work with, who come back to you with quotes.
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How we make money: Market Invoice is an independent comparison service, not a lender. 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. 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 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.