eCapital vs Touch Financial: UK Invoice Finance Comparison 2026
See how eCapital compares to Touch Financial 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. Touch Financial is a broker rather than a lender, so its figures reflect the funders it places you with. eCapital advances up to 90%, setup time not published; Touch Financial advances up to 100% (funder dependent), setup time not published. Neither publishes a minimum turnover.
Side-by-side
Full reviews: eCapital · Touch Financial
| Compared on | eCapital | Touch Financial |
|---|---|---|
| Product type | Invoice finance (factoring, CID, selective) | Invoice finance broker (lender panel) |
| Min turnover | Not published | Not published |
| Advance rate | Up to 90% | Up to 100% (funder dependent) |
| Typical fee | Not published (quoted per facility) | Funder rates; no broker fee to client |
| 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 · Touch Financial: invoice finance (up to 100% of invoice value, funds usually released in 24 to 48 hours, confidential invoice discounting, spot factoring, "We are a broker not a lender"), read 9 Nov 2026 · Touch Financial: home page (established 2008, more than 35 lenders on its panel, "a significant proportion of the marketplace", normally recommends 2 to 3 suitable funders, SFP Brokers Limited FRN 727220), read 9 Nov 2026 · Touch Financial: terms of business (no charge to the client; commission paid by the funder), read 28 Oct 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 Touch Financial wins
- No fee charged to the client; commission paid by the funder.
- Says on its home page that it normally recommends 2 to 3 suitable funders for you to compare.
- Its invoice finance page covers factoring, confidential invoice discounting and spot factoring.
- Says funds are usually released within 24 to 48 hours of selling your invoices.
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.
- Its home page calls its panel "a significant proportion of the marketplace", not all of it.
FAQ
eCapital or Touch Financial: which is the better fit for UK invoice finance in 2026?
On what they publish, they differ on the most they advance (eCapital: up to 90%; Touch Financial: up to 100% (funder dependent)). Start with the one whose published terms fit your business, then compare a quote from each.
How do eCapital and Touch Financial price their facilities?
Pricing: eCapital, not published, quoted per facility; Touch Financial, funder rates; no broker fee to client. 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 Touch Financial?
Both eCapital and Touch Financial offer confidential invoice discounting (your customers are not notified).
Who is each one not suited to?
Touch Financial is a poor fit for businesses wanting a direct lender relationship. If that describes your business, you can get free quotes through 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 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 Touch Financial review
- eCapital alternatives
- Touch Financial 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 Touch Financial 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
- Touch Financial: invoice finance (up to 100% of invoice value, funds usually released in 24 to 48 hours, confidential invoice discounting, spot factoring, "We are a broker not a lender"), read 9 Nov 2026
- Touch Financial: home page (established 2008, more than 35 lenders on its panel, "a significant proportion of the marketplace", normally recommends 2 to 3 suitable funders, SFP Brokers Limited FRN 727220), read 9 Nov 2026
- Touch Financial: terms of business (no charge to the client; commission paid by the funder), read 28 Oct 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 Touch Financial 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.