Advantedge Commercial Finance, trading as eCapital Commercial Finance UK, is a UK-based independent financier offering invoice-backed working-capital solutions tailored for SMEs. Established in 2001 and regulated by the Financial Conduct Authority, it provides a range of receivables finance products designed to support business cash flow. The lender may suit businesses seeking flexible funding options across factoring, invoice discounting, and sector-specific finance, with a focus on firms that have a consistent B2B debtor book. For an overview of invoice financing, you can see our invoice factoring guide and explore invoice financing options.
Key Features of Advantedge Commercial Finance
The lender offers practical features aiming to streamline invoice finance processes and provide responsive client support for eligible SMEs. The facilities typically include digital access and dedicated team support to assist businesses across various sectors.
- Online client portal with real-time availability and debtor analytics for drawdown requests
- In-house credit control and collections teams reduce administrative workload (credit control definition)
- Optional integrated credit insurance and bad-debt protection enhance risk management
- Same-day funding on verified invoices via Faster Payments or CHAPS (advance payment explained)
- Dedicated relationship managers support sector-specific needs including recruitment and construction
- eCapital group's cross-border capability offers fund handling for North American receivables
Funding Eligibility
You may qualify for Advantedge's finance solutions if your business has at least 6 to 12 months of trading history and a minimum annual turnover typically of £500,000 or more depending on product type. Certain sectors such as gambling and weapons manufacturing are excluded. The company must be UK-registered as a limited company or LLP. Personal guarantees from directors and debentures over company assets are commonly required. For further qualification guidance, please refer to our business loan qualification guide, credit rating standards, and business plan preparation tools.
Loan Options
Advantedge Commercial Finance offers several invoice finance products suitable for varied SME requirements, ranging from single invoice funding to sector-specific finance solutions.
- Selective Invoice Finance: £20,000 to £500,000 per invoice, 30–120 day terms, flat discount fee 0.75% to 4.00% per 30 days. No long-term contract required.
- Invoice Factoring: £100,000 to £2,500,000, revolving facilities with 12-month renewable agreements, discount margin between 2.50% and 4.50% above base rate, plus service fees up to 3.00%.
- Confidential Invoice Discounting: £250,000 to £4,000,000, rolling 12-month agreements, discount margin 1.85% to 3.75%. Suitable for businesses with at least two years trading.
- CHOCCS (Customer Handles Own Credit Control Service): £100,000 to £2,500,000, service fees between 0.20% and 1.50%, requires good credit management systems; debtors are notified.
- Construction Finance: £100,000 to £2,000,000, revolving aligned to contract cycles, advance up to 70% of certified invoices, discount margin ranges from 2.95% to 5.50% above base.
- Recruitment & Payroll Finance: £50,000 to £1,500,000, weekly revolving facilities, fund up to 100% of net wages plus margin, with weekly facility fees of 2.0% to 4.5% of gross margin.
How to Apply
The application process is mainly digital and designed for a swift decision, though due diligence and documentation are required. Initial facility set-up takes about 5 to 10 working days with same-day drawdowns afterwards.
- Submit an online enquiry form or use a broker introduction (application form)
- Provide required documents including recent management accounts, aged debtor and creditor lists, and bank statements covering the last 6 months (financial documents)
- Undergo remote or on-site credit checks and due diligence, with an indicative offer usually within 24 to 48 hours (due diligence process)
- Sign and return facility documents to complete approval and funding setup
Funding Agent’s view on Advantedge Commercial Finance
Advantedge Commercial Finance as part of the eCapital group presents a flexible and specialised option for SMEs with established invoice books. It is suitable for businesses in sectors like recruitment and construction that require scalable, receivables-backed funding. However, the firm’s minimum trading and turnover requirements, as well as security needs such as personal guarantees and debentures, may limit access for very small or start-up businesses. For a detailed understanding of invoice finance eligibility and to compare providers, visit our eligibility guide and invoice finance lender comparisons.
