What Ecapital Commercial Finance say about themselves
“Alternative financing solutions for small to medium sized businesses in the transportation, staffing, healthcare & wellness industries.”
Ecapital Commercial Finance (South West) Limited
- Incorporated
- 2 December 2016 (9 years)
- Previously known as
- Optimum Sme Finance Limited (until 23 January 2026)This list may be incomplete. See all names on Companies House
- Industry
- Factoring (64992)
- Accounts type
- Small
- Region
- South West
- Address
- Cube M4 Business ParkOld Gloucester RoadBristolBS16 1FX
Website & contact details
- Website
Filing status
- Accounts due
- 30 September 2027
- Last accounts
- 31 December 2025
- Conf. stmt due
- 19 June 2027
- Last conf. stmt
- 5 June 2026
Charges
- Total
- 3
- Outstanding
- 1
- Part satisfied
- 0
- Satisfied
- 2
Officers 6 active
Officer details are public data from the Companies House register.
Director · Appointed 28 August 2026
British
Born June 1968 (58)
Director · Appointed 14 April 2026
British
Born February 1968 (58)
Director · Appointed 27 January 2026
British
Born December 1974 (51)
Corporate Secretary · Appointed 28 October 2024
Director · Appointed 28 October 2024
British
Born March 1976 (50)
Tilling, David James
Director · Appointed 28 October 2024
British
Born December 1961 (64)
Officer history (14 former)
28 August 2026
14 April 2026
31 March 2026
13 February 2026
Resigned Rose, Victoria Margaret as Director
27 January 2026
7 November 2025
28 October 2024
Appointed Tilling, David James as Director
28 October 2024
28 October 2024
28 October 2024
Resigned Rose, Victoria Margaret as Secretary
28 October 2024
28 October 2024
28 October 2024
28 December 2023
18 September 2021
5 August 2021
1 June 2021
Appointed Rose, Victoria Margaret as Director
1 June 2021
Appointed Rose, Victoria Margaret as Secretary
16 November 2020
Resigned Braybrook, Scott Lawrence as Secretary
16 November 2020
19 October 2020
6 June 2020
Resigned Pepler, Richard John as Director
18 October 2018
Appointed Braybrook, Scott Lawrence as Secretary
18 October 2018
Resigned Pepler, Richard John as Secretary
8 October 2018
10 July 2018
Appointed Pepler, Richard John as Secretary
10 July 2018
Resigned Brown, James Lawrence Harrison as Director
10 July 2018
Resigned Brown, James Lawrence Harrison as Secretary
23 February 2017
23 February 2017
23 February 2017
11 January 2017
Appointed Brown, James Lawrence Harrison as Director
2 December 2016
Appointed Brown, James Lawrence Harrison as Secretary
2 December 2016
Appointed Pepler, Richard John as Director
Ownership 1 active
People and entities with significant control, from the Companies House PSC register
Corporate entity · Notified 28 October 2024
Owns 75–100% of shares
Holds 75–100% of voting rights
Right to appoint and remove directors
Private Company Limited By Shares
Reg. no. 04206708
Former controllers (4)
25 January 2019
Ceased Roger Benjamin Nagioff — Owns 25–50% of shares
25 January 2019
Ceased Elljay Limited — Owns 25–50% of shares
16 October 2018
Ceased RN Hatfield Limited — Owns 25–50% of shares
23 February 2017
Ceased Richard Pepler — Owns 75–100% of shares
Financials
Balance sheet as at 31 December 2025 · small accounts
- Net Assets
- £4,514,637
- Cash
- £1,874,572
- Employees
- 40
- Debt Ratio
- 87%
- Current Ratio
- 1.1x
Balance sheet detail
| 2025 | |
|---|---|
| Fixed Assets | £99,345 |
| Current Assets | £35,916,264 |
| Cash | £1,874,572 |
| Creditors (< 1 year) | £31,495,025 |
| Net Current Assets | £4,421,239 |
| Net Assets | £4,514,637 |
| Shareholder Funds | £4,514,637 |
Filings
Recent filings only. See the full history on Companies House
| Date | Description | Made Up To | Pages | |
|---|---|---|---|---|
| 9 September 2026 | Appointment of a director |
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