£350,000
CREDIT AVAILABILITY CONSTRAINTS
Overcome credit limits and unlock new financial opportunities
Leverage your receivables to access working capital beyond traditional credit limits.
We’re a dynamic, trusted financial partner that can unlock liquidity based on a real asset, not just traditional financial metrics.
We deliver fast, flexible funding by leveraging your receivables—not just traditional credit metrics. When conventional lenders fall short, our cash flow solutions unlock the liquidity you need to overcome constraints, sustain operations, and accelerate your next stage of growth.
Access to traditional credit is an increasing challenge across all industries
50
of SMEs say accessing finance has become harder over the past three years*
50
of under-investing UK businesses say credit is either too expensive or not available at acceptable rates.**
British Chambers of Commerce, 2024*
Bank of England, Quarterly Bulletin, 2024**
Here’s what you can expect from eCapital
- Immediate access to liquidity
- Streamlined applications, fast decisions, and predictable access to funds.
- Solutions that adjust as your cash flow or working capital needs change.
- Flexible, non-bank options that are asset-driven, not credit-score-driven.
- Financing based on the value of their receivables—not based on rigid financial ratios.
- Discreet, behind-the-scenes funding solutions that allow you to operate normally.
ABOUT US
Our mission is to become your long-term funding partner
Clients choose eCapital when they need an engaged, solutions-oriented, long-term credit partner with proven capacity, creativity, and continuity. Our expertise lies in tailored funding — from small and mid-market facilities to large, complex solutions — delivered with meticulous, hands-on strategies that adapt to meet the unique needs of UK businesses.
Our regional experts are agile and client-focused, supported by the resources to handle complex challenges. We’re a reliable credit partner through every business cycle — flexible, patient, and proven. Our track record speaks for itself.
Fast facts
20
YEARS OF SERVICING UK CLIENTS
5000
SATISFIED CLIENTS GLOBALLY
VIEW OUR LATEST PARTNERSHIPS
LATEST TRANSACTIONS
Have a look at some clients we’ve helped in our latest transactions
Frequently asked questions
about credit availability constraints
What are credit availability constraints in business?
Credit availability constraints occur when a business is unable to access sufficient financing from traditional lenders—often due to weak financials, lack of collateral, credit score issues, or changes in the lending environment.
What causes limited access to credit?
Common causes include inconsistent revenue, poor cash flow, high existing debt, tightened bank lending policies, industry risk, or macroeconomic conditions that reduce lenders’ appetite for risk.
How do I know if my business is facing credit constraints?
Warning signs include frequent loan rejections, reduced credit limits, slower approval processes, higher interest rates, and increasing reliance on short-term or alternative funding sources.
How do credit constraints impact business operations?
They can limit your ability to fund payroll, purchase inventory, invest in growth, pay suppliers on time, or meet day-to-day operating expenses—potentially stalling your momentum.
Can a business with credit constraints still get financing?
Yes. Many alternative lenders offer solutions like invoice and cash flow financing, that don’t rely solely on traditional credit criteria.
What types of businesses are most affected by credit availability constraints?
Startups, seasonal businesses, rapidly growing companies, or firms in distressed industries often face the greatest challenges in accessing credit through traditional channels.
What financing options are available when traditional credit is limited?
Invoice financing, cash flow finance, bad debt protection and non-bank working capital facilities are all common alternatives.
