eCapital Commercial Finance (formerly Advantedge) – reviews, analysis and fees

Last updated on 4 April 2024

eCapital Commercial Finance has a thin spectrum of products available, focussing solely on invoice financing, but this lender keeps things extremely straightforward.

Compare business finance What are you looking for?

In partnership with Nerdwallet

You can release up to 90% of the value of an outstanding invoice to ease cashflow concerns and choose from one of three products with varying fees and levels of credit control involvement from eCapital Commercial Finance.

There are faster-paying lenders out there, some of which will offer higher caps on how much you can borrow, but eCapital Commercial Finance is an excellent choice for anybody seeking a simple solution from a reputable lender – especially of your business is still young and will not qualify for financial help elsewhere. 

Video: Business loans and finance explained

eCapital Commercial Finance business loans and finance

Pros and cons of eCapital Commercial Finance for business finance 

Rapid access to funds tied up in unpaid invoices Only available on B2B invoices, not B2C
Quite flexible on who qualifies for lending Primarily intended for start-ups, not established businesses – lending caps are lower than some rivals
Very good online reviews on TrustPilot Can take a few days to get an account set up
Not regulated by the FCA
eCapital Commercial Finance pros and cons

Invoice finance

Invoice financing is the sole offering of eCapital Commercial Finance. Invoice finance comes in three forms:

Invoice finance

eCapital Commercial Finance will offer to loan up to 90% of the value of an outstanding invoice (assuming the customer you have invoiced is reviewed and deemed creditworthy.) eCapital will then take over credit control of this invoice, and submit any remaining funds to you – minus a service fee – once it is settled.

Invoice discounting

Up to 90% of the value of all invoices you raise are automatically credited to you, and you retain responsibility for credit control. The funds will be paid into an account set up by eCapital so they can still take their fee, but the account will be in your business name and eCapital will never approach a customer to chase payment. This approach will ensure that you always have a steady supply of incoming funds, but the fees taken by eCapital may be higher.

Selective invoice finance

A combination of the two approaches described above. You can choose select customers that will always receive a cash advance on their invoice, which will then be managed by eCapital, while you can retain credit control over other invoices and wait for them to be settled as standard. Lending on this stream is capped at 80% of an invoice value.

eCapital Commercial Finance client account login

Asset finance 

Not available through eCapital Commercial Finance. See best asset finance

Merchant cash advance

Not available from eCapital Commercial Finance. See best merchant cash advance

Business loans 

Not available from eCapital Commercial Finance. See best business loans

Business credit cards

Not available from eCapital Commercial Finance. See best business credit cards

Commercial mortgages

Not available from eCapital Commercial Finance. See commercial mortgages.

Business vehicle finance

Not available from eCapital Commercial Finance. See business vehicle finance.

eCapital Commercial Finance key information

Phone number020 3837 5871
App downloadsN/A
Number of branches5 offices in the UK
FSCS protected?No
Key information

eCapital Commercial Finance reviews

Review platformScoreNumber of votes
FeefoNot reviewedN/A
Reviews.ioNot reviewedN/A
Smart Money PeopleNot reviewedN/A
Which?Not reviewedN/A
Average score4.5/51,028 total votes
eCapital Commercial Finance reviews and ratings

Business eligibility criteria

To qualify for invoice financing, the most popular service provided by eCapital Commercial Finance, you must meet the following criteria. 

  • Work to a B2B model, not B2C, and be a limited company
  • Accept payments by invoice with repayment terms of 30 to 90 days
  • Projected annual turnover of no less than £100,000

Business finance alternatives

eCapital Commercial Finance offers invoice financing, but is not the only lender in town to provide such a service. If you do not qualify for borrowing from eCapital Commercial Finance or wish to compare the offer of this lender with a rival, consider the following competitors.

  • Bibby Financial Services
  • Close Brothers
  • Creative Capital
  • IGF Commercial Finance
  • Kriya
  • Novuna Business Finance
  • Pulse Cashflow Finance
  • Skipton Business Finance
  • Team Factors
  • Time Finance Plc

Additional considerations

Until early 2022, eCapital was known as Advantedge Commercial Finance. The name change is a result of a takeover by Capital Commercial Finance, which began operation in the USA and Canada before expanding to the UK market.


How long does it take to get finance approved by eCapital Commercial Finance?

Initially setting up an account with eCapital Commercial Finance can take a few days if you run a complicated business model and need to answer some additional questions. Once this is done, funds are usually released within 24 hours of a successful application.

How much can I borrow from eCapital Commercial Finance?

Lending on an invoice finance basis is capped at 90% of the value of an outstanding invoice, with an ultimate cap of £2,500,000 of outstanding lending at any given time.

How do I apply for finance from eCapital Commercial Finance?

The fastest way to get the ball rolling will be to call eCapital on 020 3837 5871 and discuss your needs with a member of the team. Alternatively, register your interest on the website and wait for the eCapital Commercial Finance team to contact you.

Are there any hidden fees when borrowing from eCapital Commercial Finance?

No, when you are provided with a quote you will know exactly how much you will be asked to repay with no nasty surprises down the line.

Does eCapital Commercial Finance set a fixed term for repayments?

Repayment terms on asset finance will be discussed and arranged by eCapital Commercial Finance upon application. As eCapital Commercial Finance takes over credit control on invoice finance there is not really a deadline for repayment, though your invoices must be raised as payable within 90 days.

Will I need to secure borrowing from eCapital Commercial Finance against an asset?

Lending on an invoice financing or asset finance basis through eCapital Commercial Finance is an unsecured loan. 

Compare ⓘ

Reviewed by , Managing Director


Business Financed provides general information, but not financial advice. Always speak to a qualified expert to get personalised advice for your business.

Advertising disclosure

We may be paid a commission by our FCA-regulated partners when you click on the links in our articles. This does not affect our independent journalism.

Learn more

You can learn more about how this website operates by clicking here.