Provider profile · 2026 edition
eCapital review 2026: scores, fees and alternatives.
A North American and UK receivables finance provider offering factoring, sales ledger financing, reverse factoring, payroll funding and asset-based lending.
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A North American and UK receivables finance provider offering factoring, sales ledger financing, reverse factoring, payroll funding and asset-based lending.
eCapital scores 1.7 out of 5 (34 out of 100) in the Buckingham Intelligence Invoice Finance and Factoring Index 2026 and ranks 9 of 10. It is strongest for larger US, Canadian and UK firms needing big facilities and fast funding, and its best criterion is advance and speed at 3 out of 5. Not published or not stated on the pages read: facility size, regulatory standing, product range and advance and speed.
Scores from the Invoice Finance and Factoring Index 2026.
No award in the Invoice Finance and Factoring Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For small B2B suppliers | 31 | 8 of 10 |
| For mid-sized firms | 36 | 9 of 10 |
| For payment and fintech firms | 34 | 7 of 10 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Larger US, Canadian and UK firms needing big facilities and fast funding.
What eCapital publishes on its own pages, read on 26 October 2026.
A North American and UK receivables finance provider offering factoring, sales ledger financing, reverse factoring, payroll funding and asset-based lending. It publishes an advance of up to 100% and funding within 24 to 48 hours. Its fee range is open-ended, and it publishes no contract terms, licence number or security certification.
| Fact | What the provider publishes |
|---|---|
| Products | Freight Factoring, Invoice Factoring, Sales Ledger Financing, Reverse Factoring and Payroll Funding; also Asset-based Lending, A/R Financing, Supply Chain Finance and Inventory Financing. |
| Pricing | Fees "can range from 1% to 5% or more", depending on customer creditworthiness, invoice volume and time until payment. |
| Advance and speed | "The advance can be as high as 100% of the invoice amount"; advances "usually within 24 to 48 hours"; "1 HR and weekend funding available" in the app. |
| Eligibility | "Factoring services are a financial solution for businesses who trade with other businesses"; country selector lists United States, Canada and United Kingdom. |
| Facility size | Customised facilities, referencing "a $5 million or $150 million facility"; no minimum or maximum stated. |
| Regulatory standing | "All California loans made or arranged pursuant to a California Finance Lenders Law License"; no security certification stated. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: ecapital.com/products/invoice-factoring.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Invoice Finance and Factoring Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Defacto | 2.8 | 1 of 10 | French firms wanting confidential single-invoice funding with no contract |
| FundThrough | 2.6 | 2 of 10 | US and Canadian suppliers wanting published fees and no obligation to fund every invoice |
| Earlypay | 2.6 | 3 of 10 | Australian firms, including start-ups, wanting a published rate range |
| Ultimate Finance | 2.5 | 4 of 10 | UK B2B suppliers wanting a high advance and a fast set-up |
| Riviera Finance | 2.0 | 5 of 10 | US and Canadian small firms wanting the factor to carry the credit risk |
| altLINE | 1.9 | 6 of 10 | US businesses wanting factoring from a bank with itemised fees |
| KredX | 1.9 | 7 of 10 | Indian suppliers to large companies wanting competing bids from financiers |
| Skipton Business Finance | 1.8 | 8 of 10 | UK firms with sales up to £30m wanting confidential discounting |
| Fundbox | 1.2 | 10 of 10 | Small businesses in four countries wanting invoice funding next to other credit |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. eCapital is compared with its alternatives in the table above.
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