Invoice discounting solutions designed to release working capital quickly, helping you manage operations smoothly while keeping client relationships intact.
Turn outstanding invoices into immediate working capital while retaining control of customer relationships and collections—keeping your cash flow predictable and your business moving forward.
Strengthen financial stability without taking on debt, ensuring consistent cash flow to support business needs.
Access working capital while maintaining control over collections.
Unlock funding that grows in line with your sales, providing the agility to manage seasonal demand, expansion, and new opportunities.
Ideal for UK companies managing long payment terms or late-paying customers, invoice discounting provides fast access to working capital while keeping customer relationships in your hands—ensuring liquidity, stability, and confidence to grow.
As your sales and receivables increase, your funding capacity expands in line—giving you scalable support without the limits of fixed-term loans.
Unlike invoice finance, confidential invoice discounting keeps collections in your hands, allowing you to preserve customer relationships and manage accounts your way.
Unlike fixed-term loans, your borrowing power adapts to your business’s changing needs. As your business grows, so does your access to funding.
Access funding where it’s needed most—payroll, supplier costs, stock replenishment, or expansion projects—without restrictions.
Avoid drawn-out bank processes with quick approvals and straightforward facility management, so you can move at the speed of business.
Bridge working capital gaps, smooth seasonal cycles, and confidently reinvest in growth opportunities while maintaining financial resilience.
Businesses choose eCapital when long payment terms delay cash flow, growth opportunities arise unexpectedly, or conventional finance lacks agility. We specialise in unlocking working capital from individual invoices—so you can stay funded on your terms.
We understand the importance of control. That’s why we let you choose which invoices to finance, provide fast approvals, and deliver funding exactly when you need it. Whether you’re bridging seasonal peaks, covering urgent expenses, or pursuing new contracts, our selective invoice finance adapts to your cash flow needs—not the other way around.
You need a partner who values flexibility, moves quickly, and stays responsive as your business evolves. That’s eCapital. Our team works alongside you to deliver liquidity, freedom, and confidence—without long-term commitments or rigid financing structures.
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Invoice discounting is a flexible finance solution that allows UK businesses to unlock the value of unpaid invoices without giving up control of customer relationships. Instead of waiting 30, 60, or even 90+ days for your customers to settle their accounts, you can access a large portion of that money almost immediately.
Here’s how it works in practice: once you raise an invoice for a creditworthy customer, you forward it to your finance provider. eCapital, for example, verifies the invoice and advances up to 90% of its value, minus a small fee, within 24 hours. Your customer continues to pay you directly as usual, and once they settle the invoice, you receive the remaining balance.
Unlike invoice finance, where the lender often manages collections, invoice discounting is typically confidential. You retain control of your sales ledger, maintain direct relationships with your customers, and handle collections as normal.
While both solutions release cash tied up in receivables, the key difference lies in who manages the customer relationship. With invoice financing, the invoice finance provider usually manages collections and communicates directly with your customers. This can be beneficial for smaller businesses without credit control departments, but it does make the arrangement more visible to clients.
Invoice discounting, on the other hand, keeps collections in-house. You continue chasing payments and maintaining customer contact, while the finance partner works in the background. For many SMEs that value confidentiality and control, this distinction is critical.
eCapital provides both invoice financing and invoice discounting, so you can choose the structure that best fits your needs. Some businesses even move from one to the other as they grow—starting with financing when support is needed, and later shifting to discounting once internal resources are stronger.
Yes, one of the biggest advantages of invoice discounting is that it can be completely confidential. Customers continue to pay into an account controlled by the business, often with a trust arrangement in place for the finance provider. This means your clients may never know you’re using external funding.
Confidentiality is particularly valuable for UK companies in competitive sectors where image and reputation matter. It allows you to benefit from immediate cash flow without any change in how your business is perceived. eCapital designs facilities that protect discretion while still ensuring seamless access to liquidity.
Invoice discounting is best suited for established SMEs with strong credit control processes and reliable customers. Because you remain responsible for chasing payments, it’s ideal for businesses that already have systems in place for managing receivables effectively.
It’s particularly valuable for:
If your business has predictable sales, a healthy ledger, and wants to unlock liquidity without third-party involvement in collections, invoice discounting is an excellent choice.
Many UK SMEs face the frustrating challenge of turning down opportunities because of cash flow constraints. Even when profitable, they may lack the liquidity to fulfil larger orders, hire new staff, or invest in expansion. Invoice discounting solves this problem by aligning cash inflows with the pace of sales.
For example, a wholesaler supplying national retailers might wait 90 days for payment but need to fund new stock within 30 days. With invoice discounting, they can release cash from existing invoices, buy inventory, and secure new contracts. The facility grows with turnover, meaning the more you sell, the more funding you can access.
This scalability makes invoice discounting a powerful tool for companies looking to expand quickly but responsibly.
Costs vary depending on factors like invoice volume, customer creditworthiness, and how often you use the facility. Generally, you’ll pay:
Although invoice discounting involves fees, many SMEs find it more cost-effective than overdrafts or traditional loans. That’s because it grows in line with sales, provides immediate liquidity, and avoids taking on fixed-term debt or diluting equity.
Consider the risk of not having cash available: missed payroll, lost supplier discounts, or the inability to fulfil new contracts. When compared to those costs, invoice discounting is often a highly strategic investment.
eCapital provides tailored invoice discounting facilities designed specifically for UK SMEs. The advantages include:
Confidentiality – Your customers remain unaware of the facility.
Unlike traditional lenders, eCapital focuses on agility and partnership. That means working with you to find the right balance of liquidity, discretion, and protection. In a market where bank lending is tightening and customer insolvencies are rising, invoice discounting with eCapital gives you the working capital and confidence to grow.
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