eCapital vs Ultimate Finance: 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; Ultimate Finance advances up to 95% with setup typically in 3 working days. eCapital needs £100k minimum turnover, Ultimate Finance needs Not published minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: eCapital · Ultimate Finance
| eCapital | Ultimate Finance | |
|---|---|---|
| Product type | Invoice finance (factoring, CID, ABL) | Invoice finance (factoring, CID), bridging, asset finance |
| Min turnover | £100k | Not published |
| Advance rate | Up to 90% | Up to 95% |
| Typical fee | Negotiated service charge plus discount margin | Quoted per facility (not published) |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 5 to 10 working days | 3 working days |
| Last reviewed | 2026-05-27 | 2026-07-24 |
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 Ultimate Finance wins
- Setup in 3 working days, among the fastest full-underwriting setups we track.
- Funding lines up to £10m.
- Multi-product (IF + bridging + asset) under one decision team.
- Flexible on industry, including some construction and recruitment.
Best for
SME urgent setup, Multi-product facility seekers, Hybrid IF + bridging needs.
Watch outs
- Service charge rate higher than Close Brothers or Aldermore.
- Smaller deal-team than the largest independents.
- Less competitive on £5m+ facilities than mid-market specialists.
FAQ
eCapital or Ultimate Finance: which is the better fit for UK invoice finance in 2026?
eCapital is the stronger fit for recruitment and transport ledgers; Ultimate Finance fits SME urgent setup 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, eCapital vs Ultimate Finance?
eCapital advances up to 90% at negotiated service charge plus discount margin. Ultimate Finance advances up to 95% at quoted per facility (not published). eCapital needs £100k minimum turnover, Ultimate Finance needs Not published minimum turnover. Setup runs 5 to 10 working days for eCapital and 3 working days for Ultimate Finance.
Can I get a confidential facility with either eCapital or Ultimate Finance?
eCapital offers confidential invoice discounting (your customers are not notified). Ultimate Finance 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. Ultimate Finance is the wrong fit for lowest-cost facility seekers. 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 Ultimate 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 will match you against UK invoice finance providers likely to approve, with no obligation to proceed.
Related
- Full eCapital review
- Full Ultimate Finance 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
Sources
- Rates, advance percentages and product details checked against eCapital's own site as of 2026-05-27.
- Rates, advance percentages and product details checked against Ultimate Finance's own site as of 2026-07-24.
- Ultimate Finance, invoice finance (advance up to 95%, funding to £10m)
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Get quotes →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-07-24. Editorial by Best Business Loans Ltd (16833937).
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How we make money: Market Invoice is an independent comparison service, not a lender. If you take a facility after we introduce you, the provider pays us a commission; you never pay us and it is never added to your costs. 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 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.