eCapital vs Ultimate Finance: UK Invoice Finance Comparison 2026
See how eCapital compares to Ultimate 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. eCapital advances up to 90%, setup time not published; Ultimate Finance advances up to 95%, setup time within one week. eCapital does not publish a minimum turnover figure, Ultimate Finance needs £600k minimum turnover.
Side-by-side
Full reviews: eCapital · Ultimate Finance
| Compared on | eCapital | Ultimate Finance |
|---|---|---|
| Product type | Invoice finance (factoring, CID, selective) | Invoice finance (factoring, CID), bridging, asset finance |
| Min turnover | Not published | £600k |
| Advance rate | Up to 90% | Up to 95% |
| Typical fee | Not published (quoted per facility) | Quoted per facility (not published) |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | Not published | Within one week |
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 · Ultimate Finance: advance rate and setup (facility set up within one week) · Ultimate Finance: minimum turnover ("at least £600,000") · Ultimate Finance: founding date · Ultimate Finance, invoice finance (advance up to 95%, funding to £10m) · Ultimate Finance: funding solutions (invoice, construction, recruitment, trade, asset, bridging and structured finance)
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 Ultimate Finance wins
- Facility set up within one week; funds within 24 hours of invoices once live.
- Funding lines up to £10m.
- Also offers asset finance, bridging finance and structured finance.
- Flexible on industry, including some construction and recruitment.
Best for
SME urgent setup, Multi-product facility seekers, Hybrid IF + bridging needs.
FAQ
eCapital or Ultimate Finance: which is the better fit for UK invoice finance in 2026?
On what they publish, they differ on minimum turnover (eCapital: minimum turnover not published; Ultimate Finance: £600k minimum turnover), and the most they advance (eCapital: up to 90%; Ultimate Finance: up to 95%). Start with the one whose published terms fit your business, then compare a quote from each. Only Ultimate Finance publishes a setup time (within one week).
How do eCapital and Ultimate 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 Ultimate Finance?
Both eCapital and Ultimate Finance offer confidential invoice discounting (your customers are not notified).
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 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 Ultimate Finance review
- eCapital alternatives
- Ultimate 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 Ultimate 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
- Ultimate Finance: advance rate and setup (facility set up within one week)
- Ultimate Finance: minimum turnover ("at least £600,000")
- Ultimate Finance: founding date
- Ultimate Finance, invoice finance (advance up to 95%, funding to £10m)
- Ultimate Finance: funding solutions (invoice, construction, recruitment, trade, asset, bridging and structured finance)
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 Ultimate Finance 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.