ABC Finance vs eCapital: UK Invoice Finance Comparison 2026
See how ABC Finance compares to eCapital 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 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. ABC Finance is a broker rather than a lender, so its figures reflect the funders it places you with. ABC Finance advances up to 95% (funder dependent), setup typically in 10 to 20 working days; eCapital advances up to 90%, setup time not published. ABC Finance has no single minimum; each panel funder sets its own, eCapital does not publish a minimum turnover figure. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: ABC Finance · eCapital
| Compared on | ABC Finance | eCapital |
|---|---|---|
| Product type | Commercial finance broker (lender panel) | Invoice finance (factoring, CID, selective) |
| Min turnover | No single minimum; each panel funder sets its own | Not published |
| Advance rate | Up to 95% (funder dependent) | Up to 90% |
| Typical fee | Funder rates (ABC publishes market ranges only) | Not published (quoted per facility) |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | 10 to 20 working days | Not published |
Sources for these figures: ABC Finance: broker with a wide lender panel; market ranges for advances and fees · ABC Finance: process usually takes two to four weeks · eCapital UK: invoice discounting, advance up to 90%, cash within 24 hours · eCapital UK: products and funding lines
When ABC Finance wins
- Invoice finance brokering across a wide lender panel.
- Also covers bridging, asset and property finance.
- Publishes clear guidance on typical market fees and process.
- Helpful where a business needs several facility types.
Best for
Owners wanting one broker for several products, Bridging or commercial mortgage borrowers who also need invoice finance, Property-plus-trading businesses.
Watch outs
- A broker, not a direct lender.
- Underwriting and rate set by the funder.
- Invoice finance is one of many product lines.
When eCapital wins
- Full range: invoice finance, confidential discounting and selective funding 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.
FAQ
ABC Finance or eCapital: which is the better fit for UK invoice finance in 2026?
ABC Finance is the stronger fit for owners wanting one broker for several products; eCapital fits recruitment and transport ledgers better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.
How do ABC Finance and eCapital price their facilities?
Pricing: ABC Finance, funder rates (ABC publishes market ranges only); eCapital, not published, quoted per facility. The table above sets advance rate, setup speed and minimum turnover side by side.
Can I get a confidential facility with either ABC Finance or eCapital?
Both ABC Finance and eCapital offer confidential invoice discounting (your customers are not notified).
Where does each one struggle?
ABC Finance is the wrong fit for direct-lender relationship preference. eCapital is the wrong fit for buyers wanting published headline pricing. If either describes your business, browse the side-by-side or get 3 free quotes through our quote form.
Can Market Invoice help me choose between ABC Finance and eCapital?
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 eCapital, our introduction partner, handles your enquiry and comes back to you with quotes, with no obligation to proceed.
Related
- Full ABC Finance review
- Full eCapital 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 ABC Finance's own site.
- Rates, advance percentages and product details checked against eCapital's own site.
- ABC Finance: broker with a wide lender panel; market ranges for advances and fees
- ABC Finance: process usually takes two to four weeks
- eCapital UK: invoice discounting, advance up to 90%, cash within 24 hours
- eCapital UK: products and funding lines
Get 3 free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. eCapital, our introduction partner, handles your enquiry and comes back to you with quotes. Free, and no obligation to proceed.
Get my 3 quotes →Best Business Loans Ltd (16833937), directed by Oliver Mackman, owns and operates Market Invoice. Last updated: .
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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. Our introduction partner pays us a fixed fee for each business we introduce, whether or not a facility follows; 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.