eCapital vs Novuna Business Finance: UK Invoice Finance Comparison 2026
See how eCapital compares to Novuna Business Finance 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. Both advance up to 90%, setup time not published. Neither publishes a minimum turnover.
Side-by-side
Full reviews: eCapital · Novuna Business Finance
| Compared on | eCapital | Novuna Business Finance |
|---|---|---|
| Product type | Invoice finance (factoring, CID, selective) | Invoice finance, asset finance, vehicle finance |
| Min turnover | Not published | Not published |
| Advance rate | Up to 90% | 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: 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 · Novuna Business Finance: advance rate · Novuna Business Cash Flow: funds "often within 24 hours"; factoring with its credit control team, or invoice discounting kept "in-house and confidential"; 6-month trial period · Novuna Business Cash Flow · Novuna invoice finance · Companies House 01630491, Mitsubishi HC Capital UK PLC · Mitsubishi HC Capital UK, Novuna rebrand announcement
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.
When Novuna Business Finance wins
- Backed by the Mitsubishi HC Capital UK balance sheet.
- Multi-product cross-sell (IF + asset + vehicle).
- Long-established UK presence as the former Hitachi Capital UK (rebranded Novuna, February 2022).
- 6-month trial period before committing to the rolling contract.
Best for
Mid-market Ltd companies, Cross-product (IF + asset) facility seekers, Stable mid-market funders.
Watch outs
- Three brand names in play (Novuna, Novuna Business Finance, Novuna Business Cash Flow).
FAQ
eCapital or Novuna Business Finance: which is the better fit for UK invoice finance in 2026?
On what they publish, their headline terms are the same, so a quote from each on the same invoices is the only fair way to choose.
How do eCapital and Novuna Business Finance 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 eCapital or Novuna Business Finance?
Both eCapital and Novuna Business Finance offer confidential invoice discounting (your customers are not notified).
Can Market Invoice help me choose between eCapital and Novuna Business Finance?
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 eCapital review
- Full Novuna Business Finance review
- eCapital alternatives
- Novuna Business Finance 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 eCapital come from its own website.
- Figures for Novuna Business Finance come from its own website.
- 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
- Novuna Business Finance: advance rate
- Novuna Business Cash Flow: funds "often within 24 hours"; factoring with its credit control team, or invoice discounting kept "in-house and confidential"; 6-month trial period
- Novuna Business Cash Flow
- Novuna invoice finance
- Companies House 01630491, Mitsubishi HC Capital UK PLC
- Mitsubishi HC Capital UK, Novuna rebrand announcement
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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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.