Close Brothers Invoice Finance 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. Close Brothers Invoice Finance 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. Close Brothers Invoice Finance needs £500k minimum turnover, eCapital needs £100k minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.

Side-by-side

Full reviews: Close Brothers Invoice Finance · 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.
Close Brothers Invoice Finance eCapital
Product type Invoice finance (CID, factoring, ABL)Invoice finance (factoring, CID, ABL)
Min turnover £500k£100k
Advance rate Up to 90%Up to 90%
Typical fee From 0.5% service chargeNegotiated 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 Close Brothers Invoice Finance wins

  • 0.5% headline service charge, among the lowest published by mainstream UK providers.
  • Merchant banking heritage; FCA regulated under Close Brothers Group plc.
  • Strong on confidential invoice discounting (no customer notification).
  • Published criteria, low headline-to-offered rate gap.

Best for

£500k+ turnover Ltd companies, Confidential discounting use cases, Cost-sensitive established trading businesses.

Watch outs

  • £500k+ minimum turnover excludes earlier-stage businesses.
  • Setup 5 days, fine but no faster than mid-tier competitors.
  • Less aggressive on construction-stage payments than the sector specialists.

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

Close Brothers Invoice Finance or eCapital: which is the better fit for UK invoice finance in 2026?

Close Brothers Invoice Finance is the stronger fit for £500k+ turnover Ltd companies; 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, Close Brothers Invoice Finance vs eCapital?

Close Brothers Invoice Finance advances up to 90% at from 0.5% service charge. eCapital advances up to 90% at negotiated service charge plus discount margin. Close Brothers Invoice Finance needs £500k minimum turnover, eCapital needs £100k minimum turnover. Setup runs 5 working days for Close Brothers Invoice Finance and 5 to 10 working days for eCapital.

Can I get a confidential facility with either Close Brothers Invoice Finance or eCapital?

Close Brothers Invoice Finance offers confidential invoice discounting (your customers are not notified). eCapital offers confidential invoice discounting (your customers are not notified).

Where does each one struggle?

Close Brothers Invoice Finance is the wrong fit for sub-£500k 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 Close Brothers Invoice Finance 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.

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

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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 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.