Capitalise vs Hydr: UK Invoice Finance Comparison 2026
See how Capitalise compares to Hydr 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?
These are different products rather than like-for-like invoice finance rivals (Capitalise: funding platform via accountants (broker); Hydr: invoice finance). UK businesses still weigh them side by side, so the real question is which job you need doing, not which is the better invoice finance line. Capitalise matches you to a panel funder, typically within 24 to 48 hours from approval (selective); Hydr advances up to 100% per invoice, setup typically in same day to 1 working day. Capitalise has no single minimum; each panel funder sets its own, Hydr has no minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: Capitalise · Hydr
| Compared on | Capitalise | Hydr |
|---|---|---|
| Product type | Funding platform via accountants (broker) | Single-invoice finance (digital, selective) |
| Min turnover | No single minimum; each panel funder sets its own | No minimum |
| Advance rate | Up to 90% (funder dependent) | Up to 100% per invoice |
| Typical fee | Funder rates via platform matching | Flat fee per invoice financed |
| Confidential available? | Yes, via panel funders | Yes |
| Factoring available? | Yes, via panel funders | No |
| Setup speed | 24 to 48 hours from approval (selective) | Same day to 1 working day |
Sources for these figures: Capitalise: invoice finance via its lender panel · Capitalise: invoice discounting (confidential) · Capitalise: invoice factoring, advance up to 90% · Hydr: 100% advance, fixed fee per invoice, onboarding under 10 minutes · Hydr: setup time
When Capitalise wins
- Accountant-led funding platform with a large lender panel.
- Adds debtor monitoring and company credit tools.
- Routes invoice finance alongside loans and asset finance.
- Strong fit when your accountant manages the process.
Best for
Businesses whose accountant arranges funding, Owners wanting credit monitoring too, Comparison-led buyers.
Watch outs
- A platform and broker, not a direct lender.
- Best accessed via a partner accountant.
- Terms and underwriting set by the matched funder.
When Hydr wins
- Transparent flat fee per invoice, no whole-book contract.
- Same-day digital onboarding.
- Integrates with Xero and other accounting platforms.
- No minimum turnover; finance invoices selectively.
Best for
Selective single-invoice finance, Smaller and early-stage businesses, Xero-driven workflows.
Watch outs
- Selective single-invoice model, not whole-ledger factoring.
- Per-invoice fees can add up for high-volume users.
- Newer, smaller funder than incumbents.
FAQ
Capitalise or Hydr: which fits your business in 2026?
They do different jobs (see the product types above), so pick by the job you need doing. Capitalise is the stronger fit for businesses whose accountant arranges funding; Hydr fits selective single-invoice finance better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.
How do Capitalise and Hydr price their facilities?
Pricing: Capitalise, funder rates via platform matching; Hydr, flat fee per invoice financed. The table above sets advance rate, setup speed and minimum turnover side by side.
Can I get a confidential facility with either Capitalise or Hydr?
Capitalise is not a lender itself, but confidential invoice discounting is available through the funders on its panel, who set the terms. Hydr offers confidential invoice discounting (your customers are not notified).
Where does each one struggle?
Capitalise is the wrong fit for direct-to-lender applicants. Hydr is the wrong fit for high-volume whole-ledger users. 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 Capitalise and Hydr?
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
Sources
- Rates, advance percentages and product details checked against Capitalise's own site.
- Rates, advance percentages and product details checked against Hydr's own site.
- Capitalise: invoice finance via its lender panel
- Capitalise: invoice discounting (confidential)
- Capitalise: invoice factoring, advance up to 90%
- Hydr: 100% advance, fixed fee per invoice, onboarding under 10 minutes
- Hydr: setup time
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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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How we make money: Market Invoice is an independent comparison service, not a lender. Our introduction partner pays us a fixed fee for each business we introduce, whether or not you go ahead; 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 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.