eCapital: digital health score 75/100

As part of the SME Lender Digital Audit, we assessed eCapital (ecapital.com) alongside 104 UK SME lenders, using public information only. eCapital earned a digital health score of 75 out of 100, which places it in the top third of the sector and 15th of 94. Set against peers, the score lands 6 points above the sector median of 69. Where eCapital does best is mobile speed: 81 out of 100, well ahead of the 57 SME lender average. The clearest opportunity is accessibility, at 79 against a 87 average, where a focused fix would lift the overall score most.

For findability, 83 out of 100 is just above the 81 average: showing up and making sense to Google. Mobile speed scored 81, 24 points above the 57 average, covering how fast the site feels on a phone. On measurement, eCapital scored 55, just above the 51 average (whether the firm can see what is working). Accessibility: 79 out of 100, 8 points below the 87 SME lender average. That covers being usable for everyone, an Equality Act duty. A prioritised, page-by-page view for eCapital is in the free report.