eCapital
UK invoice finance and asset-based lender. Includes the former Optimum Finance (Bristol), which North American specialist eCapital acquired in autumn 2024. Now part of a wider transatlantic platform with deeper funding lines. Sweet spot is mid-market IF deals between £100k and £5m.
Quick verdict
- Product: Invoice finance + asset-based lending.
- Ticket band: £50k to £10m.
- Pricing: Quoted at offer (headline pricing not published).
At a glance
eCapital, at a glance
- Legal entity
- eCapital Commercial Finance (South West) Limited
- Companies House
- 10508987
- Ownership checked
- 23 September 2026, against Companies House and published sources
- Founded
- 2016
- Product
- Invoice finance + asset-based lending
- Ticket range
- £50k to £10m
- Decision time
- 5 to 10 business days
- Ltd-only
- Yes
Where eCapital is strong
- Established UK IF underwriting team retained post-acquisition.
- Wider eCapital group funding gives more headroom on larger deals.
- Combined IF and ABL under one platform.
- Comfortable with messy debtor books that mainstream IF lenders refuse.
Watch-outs, and when another lender may suit better
- Brand cutover from Optimum to eCapital still creates customer confusion.
- Headline pricing not published.
- Below £50k not the focus.
Best fit applicants
- Established B2B Ltd companies
- Invoice finance £100k to £5m
- Asset-based lending on stock and receivables
Where eCapital is the wrong fit
- Sub-£50k tickets
- B2C-only businesses
- Sole traders
If declined by eCapital
If your application to eCapital is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate eCapital
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through eCapital?
eCapital offers invoice finance + asset-based lending. Ticket range: £50k to £10m. Typical rate: Quoted at offer (headline pricing not published).
How long does eCapital take to decide?
5 to 10 business days
Who is eCapital the best fit for?
First on the list: Established B2B Ltd companies. The full list is under Best fit applicants above.
When might another lender suit better than eCapital?
First on the list: Sub-£50k tickets. The other cases are under Where eCapital is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: eCapital
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.