eCapital UK appoints Mark Finn as group managing director

eCapital UK has appointed Mark Finn Group Managing Director, expanding his remit across the lender's regional business.

Finn will take executive responsibility for performance across eCapital's regional operations, including revenue, sales and marketing. He will also lead efforts to deepen the firm's relationships with small and medium-sized businesses across the UK.

The appointment comes as many smaller businesses continue to face tight lending conditions. Invoice finance and asset-based lending providers have sought to fill gaps as some traditional lenders have pulled back from parts of the market.

Finn has more than 25 years of experience in invoice finance and asset-based lending. He began his career at Barclays, later held senior roles at Bank of Scotland, and went on to become managing director of one of the UK's larger independent invoice finance providers.

He joined eCapital UK in 2021 as regional managing director for Thames Valley and South. In that role, he led a team of 40 across sales, operations and risk.

He also played a key role in expanding the company's asset-based lending work in the region. His promotion follows a period of growth in larger and more complex funding transactions, including facilities of up to £6 million.

eCapital operates from regional offices across the UK, including London, Bristol, Birmingham, Manchester and Glasgow. The group focuses on invoice finance and asset-based lending for SMEs, and says introducer relationships remain an important source of business as it expands.

Funding market

Finn's appointment comes against a difficult financing backdrop for many smaller companies. Businesses dealing with uneven cash flow, higher borrowing costs and limited access to mainstream bank lending have increasingly turned to alternative forms of working capital.

That has created openings for specialist lenders that can structure funding against invoices, stock and other assets. It has also increased competition among providers seeking to build regional coverage and stronger links with accountants, advisers and other introducers.

David Tilling, Chief Executive Officer and Head of UK Group at eCapital, outlined the company's view of Finn's promotion and the wider market conditions.

"Mark has made a significant contribution over the past five years, and this promotion reflects the impact he has had on the business, as well as our ambitions for future growth.

"Right now, too many ambitious businesses are still navigating their funding options without the right support, often defaulting to short-term borrowing structures or loan stacking that are not suited to their needs. What differentiates eCapital UK is the strength of our regional teams and their understanding of the businesses and sectors they support. That proximity enables faster decisions and more tailored funding solutions that genuinely support long-term growth.

"With Mark leading at a national level, we are well positioned to reach more businesses across the UK and support their growth with the right funding structures," Tilling said.

National remit

In his new role, Finn will oversee performance across the company's UK regional businesses rather than a single territory. That gives him a national brief at a time when specialist lenders are trying to serve a broader range of clients, including firms seeking larger funding lines and more tailored structures.

One priority will be to strengthen the company's presence across key UK markets. Another will be to support businesses with more complex funding needs as demand shifts beyond smaller invoice finance facilities.

Finn referred to his earlier leadership role in the Thames Valley and South business when discussing the appointment.

"It has been a privilege to help build our Thames Valley and South business over the past five years. I am looking forward to building on that success nationally and supporting more businesses with increasingly complex funding requirements at a time when access to the right working capital has never been more important," Finn said.