COMMERCIAL FINANCE

Cash flow you need
when you need it

We deliver dynamic and timely funding solutions tailored to your business—whether you're scaling up, staying steady, or navigating change.

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ABOUT US

Funding solutions built for today’s needs, and tomorrow’s possibilities

At eCapital, we accelerate business growth by delivering fast, flexible access to funding through bespoke financing options from industry experts.

Across U.K. and North America, we’ve redefined how small and medium-sized businesses access funding—eliminating friction, speeding approvals, and empowering clients with access to the finance they need to move forward. With the capacity to fund small to mid-market facilities, we support a wide range of business needs at every stage.

With a powerful blend of innovation, scalability, and personalised service, we’re not just a funding provider, we’re a strategic partner built for what’s next.

20
YEARS IN BUSINESS
13
FUNDED IN THE UK
6
FUNDING LINES AVAILABLE IN THE UK
2
AVERAGE FUNDED TURNOVER

CREATIVE FINANCING SOLUTIONS

A dynamic suite of funding solutions built to adapt to your business needs

Whether you’re looking to improve cash flow, invest in new opportunities, or manage your working capital more effectively, our customisable solutions are built to fuel your growth and keep your operations running smoothly, no matter the challenge.

FUNDING BUILT AROUND YOUR BUSINESS SECTOR

Serving the unique financing needs of 80+ industries

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Manufacturing

Flexible financing solutions for your growing manufacturing business.

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Recruitment

Recruitment financing solutions that scale with your business.

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Wholesale

Creative, flexible financing solutions for the wholesale industry.

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Transport

The fastest, smartest and easiest way for transport companies to get paid.

CASH FLOW FUNDING FOR EVERY SCENARIO

Delivering customised funding solutions for every stage

At eCapital, we tailor funding to fit your unique journey. Our bespoke solutions adapt as you grow, providing the flexibility and control to focus on what matters most—your business.

Funding High Growth

Leverage receivables, inventory, and equipment to access the funding needed for rapid growth.

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Unlocking Business Wealth

Free up hidden value in your business with fast, flexible funding from eCapital.

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Mergers & Acquisitions

Secure funding to transition ownership, even with limited working capital.

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Extended Payment Terms

Get paid faster and maintain cash flow despite long invoice payment terms.

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Weak Financial Performance

Access to funding based on asset strength—not credit scores or past performance—with flexible financing solutions.

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Unexpected Events

Be financially prepared for anything with bespoke funding solutions.

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WHO WE HELP

Bring financial agility to your evolving business

See real success from our clients in action—explore case studies from leading businesses that used our funding solutions to unlock cash flow, drive growth, and navigate complex financial challenges.

Growth Backed by Flexible Funding

With turnover set to surpass £2.5m, Navigation Security Services secured a £600k facility from eCapital to ease payroll pressures and fund expansion. The flexible support ensures cash flow stability during peak demand and underpins future growth plans.

Understanding Our Business

Built on trust and open dialogue, eCapital’s Newport team recognised the company’s cash flow cycles and delivered the flexibility other providers lacked. This partnership gives Navigation the confidence to grow without the cash flow strain.

Solutions used

Invoice Finance

Flexible Funding Through Crisis

“Without the intervention of eCapital and the support they showed us during the months following the hotel saga… we wouldn’t be here now”.

Support That Builds Resilience

“Having the right funder alongside us has been instrumental to being able to achieve this (customer base built on loyalty)”.

Solutions used

Bad Debt Protection

National Growth Powered by Reliable Funding

Since 2013, Emergency Personnel has become a leading healthcare recruitment provider to the NHS, home care, and private sectors nationwide. Partnering with eCapital for more than six years has provided the stability to expand services and deliver 24/7 staffing solutions, even through the pressures of the pandemic.

A Partnership Built on Trust

eCapital’s responsive team has gone above and beyond to meet urgent funding needs, provide clear market insights, and ensure smooth day-to-day operations. This trusted relationship has given Emergency Personnel the confidence to scale while maintaining excellence in a competitive industry.

Solutions used

Invoice Finance

  • Navigation Security
  • Anglesey Mechanical Solutions Ltd
  • Emergency Personnel Ltd

Navigation Security

Protecting our future growth with eCapital support Despite the advancements in technology to improve service the key to long lasting relationship remains the trust between a business and their funder. . . .
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OUR UK OFFICES

In your community with the insights and agility to help you thrive

With offices across the UK, we combine local knowledge and quick response times to deliver tailored support where—and when—you need it most.

Our offices
Reading
Glasgow
Manchester
Newport
Birmingham

INDUSTRY INSIGHTS

Keep up with what’s happening
in the world of funding

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7 Ways to Secure Loads for Your Haulage Business in the UK

No matter how the economy shifts around us, one thing never changes: haulage companies need consistent access to loads t. . .
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Don’t Let Your Haulage Company Get Trapped by Double Brokering

Double brokering is the unauthorised transfer of a load to another haulage company. It is a problem entrenched in today'. . .
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How To Start a Haulage Company With Just One Lorry

If you’ve always wanted to be your own boss and have a passion for transport, starting a haulage company could be the . . .
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Why UK Businesses Should Consider Cash Flow Loans: Advantages & Best Use Cases

Every UK business leader knows that cash is king. Even when revenues are solid on paper, the timing mismatch between whe. . .
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The Power of Cash Flow Finance: Fuel Your Business Without Collateral

Maintaining a healthy cash flow is essential for any business, yet it remains one of the most persistent challenges comp. . .
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Selective Invoice Finance: Unlocking Cash Flow

Cash flow remains one of the most persistent challenges for UK businesses, particularly in a landscape where late paymen. . .
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Start your journey with one of the UK’s leading invoice finance providers

Start an application instantly to get started OR contact us to design a custom funding package for your business.

Expert-Backed Financing, Tailored for Your Business

Leverage our expertise and dedicated support to build a custom funding solution—quickly and efficiently.

Discover the effectiveness of bespoke financing

Learn how we’re using tailored solutions to get you the funding you need faster than ever before.