eCapital vs Time Finance: UK Invoice Finance Comparison 2026
See how eCapital compares to Time 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 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%, setup time not published; Time Finance advances up to 90%, setup typically in 7 working days. eCapital does not publish a minimum turnover figure, Time Finance needs £250k minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: eCapital · Time Finance
| Compared on | eCapital | Time Finance |
|---|---|---|
| Product type | Invoice finance (factoring, CID, selective) | Invoice finance, asset finance, vehicle finance |
| Min turnover | Not published | £250k |
| Advance rate | Up to 90% | Up to 90% |
| Typical fee | Not published (quoted per facility) | Not published (quoted per facility) |
| Confidential available? | Yes | Yes |
| Factoring available? | Yes | Yes |
| Setup speed | Not published | 7 working days |
Sources for these figures: eCapital UK: invoice discounting, advance up to 90%, cash within 24 hours · eCapital UK: products and funding lines · Time Finance: advance rate (up to 90%, "minus our agreed fees"; no fee percentage published) · Time Finance plc RNS: Lending Book Milestone (gross lending book passed £250m, June 2026)
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.
When Time Finance wins
- AIM-listed independent, financial transparency.
- Multi-product cross-sell capability.
- SME-friendly underwriting culture.
- Gross lending book above £250m (2026, company RNS), a record for the group.
Best for
SME service businesses, Multi-product facility seekers, £250k-£5m turnover.
Watch outs
- No published pricing: the balance is paid "minus our agreed fees", agreed per facility.
- Less brand presence than the largest mainstream providers.
- Smaller team than mid-market banks.
FAQ
eCapital or Time Finance: which is the better fit for UK invoice finance in 2026?
eCapital is the stronger fit for recruitment and transport ledgers; Time Finance fits SME service businesses better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.
How do eCapital and Time Finance price their facilities?
Neither publishes its pricing; both quote per facility. The table above sets advance rate, setup speed and minimum turnover side by side.
Can I get a confidential facility with either eCapital or Time Finance?
Both eCapital and Time Finance offer confidential invoice discounting (your customers are not notified).
Where does each one struggle?
eCapital is the wrong fit for buyers wanting published headline pricing. Time Finance is the wrong fit for sub-£250k turnover. 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 eCapital and Time 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 eCapital, our introduction partner, handles your enquiry and comes back to you with quotes, with no obligation to proceed.
Related
- Full eCapital review
- Full Time Finance review
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- 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.
- Rates, advance percentages and product details checked against Time Finance's own site.
- eCapital UK: invoice discounting, advance up to 90%, cash within 24 hours
- eCapital UK: products and funding lines
- Time Finance: advance rate (up to 90%, "minus our agreed fees"; no fee percentage published)
- Time Finance plc RNS: Lending Book Milestone (gross lending book passed £250m, June 2026)
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.