eCapital

UK invoice finance and asset-based lender. Originated as Optimum Finance, acquired by North American specialist eCapital in October 2024 and rebranded. Now part of a wider transatlantic platform with deeper funding lines. Sweet spot is mid-market IF deals between £100k and £5m.

Quick routing verdict

  • Product: Invoice finance + asset-based lending.
  • Ticket band: £50k to £10m.
  • Decision time: 5 to 10 business days.
  • Pricing: From around 1.5% above base on advanced funds.
  • FCA-authorised.

At a glance

Legal entity
eCapital Commercial Finance (South West) Limited
Companies House
10508987
Founded
2016
Product
Invoice finance + asset-based lending
Ticket range
£50k to £10m
Decision time
5 to 10 business days
Ltd-only
Yes (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
Last reviewed
2026-05-08

Why we route here

  • 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.

When we route elsewhere

  • 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, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our eCapital decline runbook for sector-specific routing detail.

Other panel lenders

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.

Run the matcher

Tell us your turnover, sector and ticket size. We score against eCapital and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

Open matcher →

Last reviewed: 2026-05-08. By Oliver Mackman.

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