eCapital vs Touch Financial: 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. eCapital advances up to 90% with setup typically in 5 to 10 working days; Touch Financial advances up to 90% (funder dependent) with setup in 3 to 10 working days. eCapital needs £100k minimum turnover, Touch Financial sets minimum turnover per funder. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
| eCapital | Touch Financial | |
|---|---|---|
| Product type | Invoice finance (factoring, CID, ABL) | Invoice finance broker (whole-of-market) |
| Min turnover | £100k | Varies by funder |
| Advance rate | Up to 90% | Up to 90% (funder dependent) |
| Typical fee | Negotiated service charge plus discount margin | Funder rates; no broker fee to client |
| Contract / commitment | Whole-ledger or selective | Whole-ledger or selective |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 5 to 10 working days | 3 to 10 working days |
| Best for | Recruitment and transport ledgers; SMEs wanting factoring plus ABL; Businesses declined by banks | SMEs wanting one application sent to several funders; Businesses unsure which lender fits; Comparison-led buyers |
| Last reviewed | 2026-05-27 | 2026-05-27 |
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.
When Touch Financial wins
- Whole-of-market brokering across a panel of UK invoice finance lenders.
- No fee charged to the client; commission paid by the funder.
- Single application routed to multiple providers for comparison.
- Handles factoring, confidential discounting and selective facilities.
Best for
SMEs wanting one application sent to several funders, Businesses unsure which lender fits, Comparison-led buyers.
Watch outs
- A broker, not a lender, so it does not set rates or underwrite directly.
- Final terms and speed depend entirely on the chosen funder.
- Panel may not include every UK provider.
FAQ
eCapital or Touch Financial: which is the better fit for UK invoice finance in 2026?
eCapital is the stronger fit for recruitment and transport ledgers (£100k minimum turnover, setup 5 to 10 working days); Touch Financial fits SMEs wanting one application sent to several funders better (minimum turnover set per funder, setup 3 to 10 working days). The "when X wins" sections above break this down by profile.
What are the headline commercials, eCapital vs Touch Financial?
eCapital advances up to 90% at negotiated service charge plus discount margin. Touch Financial advances up to 90% (funder dependent) at funder rates; no broker fee to client. eCapital needs £100k minimum turnover, Touch Financial sets minimum turnover per funder. Setup runs 5 to 10 working days for eCapital and 3 to 10 working days for Touch Financial. Bespoke pricing is common above £1m ledger so verify before signing.
Can I get a confidential facility with either eCapital or Touch Financial?
eCapital offers confidential invoice discounting (your customers are not notified). Touch Financial offers confidential invoice discounting (your customers are not notified).
Where does each one struggle?
eCapital is the wrong fit for buyers wanting published headline pricing. Touch Financial is the wrong fit for businesses wanting a direct lender relationship. 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 eCapital and Touch Financial?
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
- Full eCapital review
- Full Touch Financial review
- 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
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 →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 and commonly negotiated above ~£1m ledger, so confirm terms directly with the provider before you sign.
Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-05-27. Editorial by Best Business Loans Ltd (16833937).
Compare eCapital and Touch Financial quotes
Free, no-obligation quotes from 3 matched UK invoice finance providers. Takes 60 seconds.
Step 1 of 3 · Your business
Your details are secure. See our privacy policy.