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Funders make the credit decisions. We compare their offers and show you what each one costs. Funders pay us when a deal funds, never you upfront.

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Lender profile

eCapital

Direct funder Miami, FL Founded 2006 Checked Sep 30, 2026
eCapital, a specialty finance lender with offices in North America and the U.K., offers invoice and freight factoring, asset-based lines of credit and payroll funding, among other working capital products. It publishes few firm terms beyond advances of up to 100% on some factored invoices and factoring fees starting at 1%.
Visit ecapital.com Compare with similar funders
Heads up. eCapital's homepage cites capacity to fund facilities from $5 million to $250 million, while several product pages describe financing up to $150M; neither is presented as a minimum or maximum for a specific product.

The open book

What eCapital publishes, and what it doesn't

3 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
Not published
Minimum credit score
Not published
Minimum time in business
Not published
Minimum monthly revenue
Not published
Speed, in its words
Usually 24 to 48 hours after approval (factoring)

The ledger

  • Funding speed
  • Price (rate or factor)
  • Fees
  • Funding amounts Not published
  • Minimum credit score Not published
  • Minimum time in business Not published
  • Minimum revenue Not published
  • Term length Not published
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

eCapital's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.
Price not published
Amounts
Not published
Price
Not published
Term
Not published
Repayment
—
Minimums
Credit n/p · Time in business n/p · Revenue n/p
Speed
Generally a few weeks
Sources (2)
Price published
Amounts
Not published
Price
Fee from 1% (of invoice value)
Term
Not published
Repayment
—
Minimums
Credit n/p · Time in business n/p · Revenue n/p
Speed
Usually within 24 to 48 hours of approval
Fees
Fees are deducted after the customer pays and can range from 1% to 5% or more. No other fee is published.
Sources (6)
Price not published
Amounts
Not published
Price
Not published
Term
Not published
Repayment
—
Minimums
Credit n/p · Time in business n/p · Revenue n/p
Sources (3)

Similar funders

Funders offering the same products

Alternative Funding Group

Direct funder
$5K–$500KCredit n/pNo price

ROK Financial

Broker
$10K–$5M500+ creditNo price

Rapid Finance

Direct funder
$500–$10MCredit n/pNo price

altLINE

Bank
Not publishedCredit n/pPrice published

1West

Marketplace
$5K–$10M500+ creditPrice published

Amerifi Capital

Direct funder
From $25KCredit n/pNo price

Pages we read

  1. https://ecapital.com/
  2. https://ecapital.com/products/
  3. https://ecapital.com/products/invoice-factoring/
  4. https://ecapital.com/products/freight-factoring/
  5. https://ecapital.com/products/accounts-receivables-financing/
  6. https://ecapital.com/products/asset-based-line-of-credit/
  7. https://ecapital.com/products/inventory-financing/
  8. https://ecapital.com/products/in-transit-financing/
  9. https://ecapital.com/products/asset-refinancing/
  10. https://ecapital.com/products/payroll-funding/
  11. https://ecapital.com/about/
  12. https://ecapital.com/locations/
Spotted something out of date? Funders and owners can send a correction with a link to where it's published. Listing eCapital here doesn't mean it works with Openbook.

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