E-Capital Reviews

eCapital delivers fast, flexible digital financing from $5M to $250M, supporting diverse industries with asset-based and receivables financing for scalable growth.

Here are the Trustpilot Reviews from E-Capital:

Here are the Reviews from E-Capital:

Coming on board- was a smooth and pleasant experience. The onboard team was helpful answering the questions I had. Thank you onboard, team, especially Peyton.

Matthew Elias

Best company, great customer service both Samantha child and Alex were amazing individuals. Any one wants to do factoring please I would recommend them. Call Alex or Samantha child, you will be happy. Thank you guys happy my company starts with you Dpworld trucking company

Said Ahmed

So far the experience has been great. I do not expect anything less. After choosing not to go with eCap, the other option started showing signs there were gonna be issues. So I recalled the eCap rep telling me if It didn’t work out give her a call. And so glade I did. The willingness to communicate, the platform, and the benefits. Actually one of the smoothest process I have to manage.

Derek Scurry

Justin has been amazing to work with, very honest and communicates well! Meagan walked me through the on boarding process and factoring my first invoice with ease! These two have confirmed I made the right decision to use this company.

Brandon Brown

I love the fact that they can walk you through any process you don’t understand and are willing to help without giving you an attitude. And they call you from time to time to ask if there is anything they can help you with. Thanks guys.

Victor Navarro

The company has lived up to the factoring services I was told it would be. The all in one services of not only factoring, but the quick payouts, fuel savings and available credit has all been very rewarding. The staff has been very helpful and supportive in every aspect of making my transition from my previous factoring company. I can’t express how excited and confident I am in my decision to join eCapital. Thanks to the entire staff.

Keith Cheeks

Explore E-Capital's Finance Solutions:

Bridging Loan

£50,000 - £5,000,000

Development Finance

£100,000 - £5,000,000

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Explore E-Capital's Finance Solutions:

Loan Type:

Bridging Loan

Loan Range:

£50,000 - £5,000,000

Loan Terms:

1 month to 24 months

Minimum Turnover and Trading Age:

No minimum turnover required; personal income and asset-based assessment

Interest Rate / Factor Rate:

0.7% - 1.5% per month (typical APR 8.4% - 18% per annum)

Fees:

Arrangement fee: 1-2% of loan amount; valuation fee: £500-£1,500; legal fees: £1,000-£3,000; no early repayment charges after 6 months

Loan Type:

Development Finance

Loan Range:

£100,000 - £5,000,000

Loan Terms:

6 months to 36 months

Minimum Turnover and Trading Age:

Minimum 2 years' development experience or proven track record

Interest Rate / Factor Rate:

0.8% - 1.5% per month (typical APR 9.6% - 18% per annum)

Fees:

Arrangement fee: 2% of loan amount; monitoring fee: 0.5% of total facility; valuation fee: £1,000-£2,500; legal fees: £2,000-£5,000

Loan Type:

Commercial Mortgage

Loan Range:

£100,000 - £3,000,000

Loan Terms:

1 year to 25 years

Minimum Turnover and Trading Age:

Minimum 2 years of trading history for commercial property or business

Interest Rate / Factor Rate:

4.5% - 8.5% per annum fixed or variable

Fees:

Arrangement fee: 1-1.5% of loan amount; valuation fee: £750-£2,000; legal fees: £1,500-£3,000; early repayment charges: 3-5% within first 5 years

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More About E-Capital

E-Capital is a UK-based alternative finance provider established in 2014, specialising in bridging loans, development finance, and commercial mortgages. It operates as a direct lender and is regulated by the Financial Conduct Authority (FCA) under registration number 720166. The company focuses on fast, flexible funding for property investors and developers.

Key features

E-Capital offers a direct lending model with in-house underwriting, which may support faster decisions for time-sensitive property transactions. A dedicated relationship manager is assigned to each client throughout the loan lifecycle. The lender structures bespoke loans for complex projects, and interest roll-up options are available on bridging and development finance. However, the lender is limited to property-related finance only; no general business loans or working capital products are offered.

Direct lender with in-house underwriting for faster decisions
Dedicated relationship manager assigned to each client
Bespoke loan structuring tailored to individual project needs
Interest roll-up option available on bridging and development loans
FCA regulated for consumer and business lending
No early repayment charges on most bridging loans after 6 months
Minimum loan amount of £50,000 may exclude smaller property investors

Eligibility

Businesses may qualify for bridging loans with no minimum trading period, while development finance and commercial mortgages require at least 2 years of experience or trading history. The lender uses income and asset-based assessments rather than minimum turnover requirements. Properties must be located in England and Wales; Northern Ireland and Scotland are excluded. Certain sectors such as petrol stations, licensed premises, nursing homes, and agricultural land may be excluded for commercial mortgages. Personal guarantees are typically required for most loans, even for limited companies.

Loan options

E-Capital provides three main property finance products. Loan amounts, terms, and rates vary by product, and arrangement fees apply in most cases.

Bridging Loan: £50,000 to £5,000,000 over 1 to 24 months. Monthly interest rates range from 0.7% to 1.5% (typical APR 8.4% to 18% per annum). Arrangement fee: 1-2% of loan amount. High LTV up to 75% for first charge loans. Strict exit strategy required.
Development Finance: £100,000 to £5,000,000 over 6 to 36 months. Monthly rates of 0.8% to 1.5% (typical APR 9.6% to 18% per annum). Arrangement fee: 2% of loan amount plus monitoring fee of 0.5%. Minimum 2 years development experience required. Personal guarantee may be waived for experienced developers.
Commercial Mortgage: £100,000 to £3,000,000 over 1 to 25 years. Interest rates range from 4.5% to 8.5% per annum fixed or variable. Arrangement fee: 1-1.5% of loan amount. Early repayment charges of 3-5% apply within the first 5 years. Minimum 2 years trading history required.

How to apply

Applications are handled offline via phone or email; there is no online application portal. Initial decisions are typically provided within 24 to 48 hours, with full approval subject to valuation taking 5 to 10 business days. Funding generally occurs within 5 to 10 business days from full application and valuation completion.

Provide proof of identity (passport or driving licence) and proof of address (utility bill or bank statement)
Submit property details and valuation report along with exit strategy documentation
For development finance: include planning permission, quantity surveyor reports, and build contract
For commercial mortgages: provide 2 years of accounts, rental agreements, and a business plan

Funding Agent's view

E-Capital is a specialist property finance lender suited to experienced property investors and developers who need speed and flexibility. Its direct lending model enables faster decisions and bespoke structures for complex or urgent transactions. However, higher interest rates compared to mainstream bank mortgages, limited geographic coverage (England and Wales only), and a minimum loan amount of £50,000 mean it may not suit smaller investors or those seeking lower-cost borrowing. Borrowers should weigh the benefit of fast completion against significant fees and strict exit strategy requirements. The lender may be relevant for professionals prioritising flexibility over the lowest rates.