eCapital vs Time Finance: UK Invoice Finance Comparison 2026
See how eCapital compares to Time 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 · Time Finance
| Compared on | eCapital | Time 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 · Time Finance: advance rate (up to 90%, "minus our agreed fees"; no fee percentage published), funds within 24 hours · Time Finance: confidential invoice discounting, up to 90% within 24 hours, customers not notified; no minimum turnover published (read 9 Nov 2026) · Time Finance: invoice factoring, up to 90% within 24 hours · Time Finance: finance solutions (asset finance, invoice finance, loans, vehicle finance, multi-product solutions) · Time Finance plc RNS: Lending Book Milestone (gross lending book passed £250m, June 2026)
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 Time Finance wins
- Pays up to 90% of the invoice value, with funds within 24 hours of the invoice being raised.
- Offers invoice finance, asset finance and loans, and can combine them in one multi-product facility.
- Gross lending book passed £250m in June 2026, which its RNS calls an all-time high.
Best for
Businesses that want invoice finance and asset finance or a loan from one lender, Businesses that want a confidential facility.
FAQ
eCapital or Time 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 Time 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 Time Finance?
Both eCapital and Time Finance offer confidential invoice discounting (your customers are not notified).
Can Market Invoice help me choose between eCapital and Time 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 Time Finance review
- eCapital alternatives
- Time 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 Time 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
- Time Finance: advance rate (up to 90%, "minus our agreed fees"; no fee percentage published), funds within 24 hours
- Time Finance: confidential invoice discounting, up to 90% within 24 hours, customers not notified; no minimum turnover published (read 9 Nov 2026)
- Time Finance: invoice factoring, up to 90% within 24 hours
- Time Finance: finance solutions (asset finance, invoice finance, loans, vehicle finance, multi-product solutions)
- Time Finance plc RNS: Lending Book Milestone (gross lending book passed £250m, June 2026)
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 eCapital and Time Finance 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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Free to you. 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. See our privacy policy.
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.