eCapital
Aventura, FL
Primary product: Freight factoring
About eCapital
eCapital is a commercial finance company offering freight factoring, payroll funding and asset-based lending across North America. Carriers can choose recourse or non-recourse factoring with advances up to 90%, payment in as little as an hour with 24/7 transfers, and unlimited free credit checks. Its factoring-and-fuel bundle adds rate discounts, and clients have a dedicated account manager, an online portal and a mobile app.
Financial Products
- Freight factoring
- Non-recourse factoring
- Recourse factoring
- Asset-based lending
- Minimum credit facility
- $5M
- Maximum credit facility
- $250M
Industries Served
Featured Services
- Dedicated account manager
- Non-recourse option
- Same-day funding
- Free credit checks
- Online portal
- Mobile app
- Startups welcome
Standard Terms
| Startup fee | Contact for pricing |
|---|---|
| Contract term | Contact for details |
| Advance rates | Up to 90%Source, checked 2026-11-05 |
| Factoring fee | Contact for pricing |
| Minimum volume fees | Contact for pricing |
| Additional fees | Contact for pricing |
| Reserves | Contact for details |
| Recourse | Recourse and non-recourseSource, checked 2026-11-04 |
| Funding speed | Within hoursSource, checked 2026-11-05 |
* Actual terms may vary. Your quote is set by the company for your volume and customers.
Company profile
Overview
eCapital Freight Factoring Corp. is part of eCapital, a finance group that says its roots go back to 2006. The group has grown largely through acquisitions.
Its history page says freight factoring became a business line when it bought Accutrac Capital Solutions. The same page says the addition of eCapital in 2019 expanded its freight division. An eCapital news release describes how Accutrac's parent, Global Merchant Fund Corp. (now eCapital Corp.), acquired eCapital LLC. That company was a transportation factor based in Las Vegas, and the group then took its name. The history page also lists the acquisition of InstaPay Freight Factoring in November 2021.
The wider group also lends to staffing, healthcare and consumer goods businesses. Its homepage says it funds facilities from $5 million to $250 million. The company says it has funded more than 30,000 businesses.
Services
eCapital's freight factoring page sets out what each programme includes:
- All freight factoring clients. Recourse or non-recourse options, dedicated account managers, back-office support, unlimited free credit checks and 24/7 online access to cash.
- Fleets. Bulk factoring and non-notification factoring for high-volume businesses. With non-notification factoring, customers are not told that the carrier factors.
- Factoring and fuel bundle. Additional factoring rate discounts, fuel discounts at 16,000 locations and $5,000 of pre-approved credit on the fuel card.
- Fuel programme on its own. Available without factoring, with $2,500 of pre-approved credit.
- Instant payouts. The company says clients can be paid in as little as one hour and move money instantly 24 hours a day, 365 days a year. Its InstaPay feature handles instant transfers.
- App and portal. The mobile app and CONNECT online portal let clients upload invoices, track payments and run credit checks. Fleet owners can give drivers their own logins to upload paperwork from the road.
Industries served
eCapital's freight division serves carriers, from owner-operators to multi-truck fleets, and freight brokers. The wider eCapital group also lends to staffing, healthcare and consumer goods businesses.
Published terms
| Term | What the company publishes |
|---|---|
| Factoring fee | Contact for pricing |
| Advance rate | Up to 100% of the invoice value; elsewhere, up to 98% within 24 hours |
| Minimum volume | Contact for pricing |
| Contract length and notice | Freight page: no long-term contract required. |
| Termination fee | Contact for pricing |
| Recourse | Recourse and non-recourse options |
| Funding speed | As little as one hour; instant transfers 24/7, 365 days a year |
| Setup and other fees | Contact for pricing |
| Lien | Contact for details |
The freight factoring page says costs depend on the services a client uses and the volume of invoices eCapital collects. It offers a free quote. The same page gives two advance figures: up to 100% of the invoice value in one place, and up to 98% within 24 hours in another.
The bundle gives additional discounts on the factoring rate for clients who also use the fuel card.
The freight page says recourse periods are usually 60 to 90 days. It also says there is no universal definition of what non-recourse covers. The page does not list eCapital's own non-recourse exclusions.
How to apply
The company invites applicants to request a free quote. For new clients, the company says it aims to speak with them within 24 hours of contact. It says it can make a decision within a couple of days once it has the paperwork.
More factoring companies
eCapital
Request a Quote