eCapital
eCapital Review 2026
High-volume factoring for freight, staffing, and manufacturing with technology-driven processing.
Who eCapital is best for
Mid-size to large B2B businesses with consistent invoice volume in freight, staffing, or manufacturing.
At a glance
- Advance rate
- Up to 95%
- Factor fee
- 1–4%
- Contract length
- Ongoing
- Recourse default
- Recourse
Freight advances can reach 97%
Per 30 days; volume pricing for larger portfolios
Designed for businesses with consistent invoice volume
Non-recourse available for select arrangements
Pros
- +Handles high invoice volume with technology-driven processing — built for businesses factoring millions per month
- +Active in freight, staffing, and manufacturing — three of the most common factoring verticals
- +Online portal provides real-time invoice status and customer credit limits
- +Volume pricing — larger factoring portfolios get better rates
- +Acquisition history suggests significant balance sheet behind the operation
Cons
- −Ongoing contract model — less flexible for businesses with intermittent factoring needs
- −Better fit for $500K+ monthly invoice volume; less competitive for smaller businesses
- −Customer concentration limits can restrict factoring if one customer represents too large a share
eCapital requirements
- B2B businesses in freight, staffing, manufacturing, and distribution
- Higher invoice volume preferred; $50K+ monthly minimum typical
- Commercial customers with verifiable credit
eCapital alternatives
Top alternatives worth comparing from Best Invoice Factoring Companies 2026.
Triumph Business Capital
Triumph Business Capital
Trucking companies and freight carriers that need same-day fuel advances alongside invoice factoring.
FundThrough
FundThrough
B2B businesses with intermittent cash-flow gaps who don't want a long-term factoring contract.
altLINE — a division of The Southern Bank Company
altLINE (by The Southern Bank Company)
Established B2B businesses seeking factoring through a regulated bank entity rather than a fintech.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
See if you qualify→Last verified at the issuer on 2026-08-05
The full lineup
See all picks in Best Invoice Factoring Companies 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
eCapital scores 4.1 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Mid-size to large B2B businesses with consistent invoice volume in freight, staffing, or manufacturing.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about eCapital
Who is eCapital invoice factoring best for?+
eCapital is built for mid-size to large B2B businesses with consistent invoice volume in freight, staffing, or manufacturing. Its technology-driven processing handles high volume well, with a $50K+ monthly invoice minimum typical and stronger fit for operations factoring $500K or more per month.
What advance rate and factor fee does eCapital offer?+
eCapital advances up to 95% of invoice value, with freight advances that can reach 97%. The factor fee runs 1–4% per 30 days, and larger portfolios may qualify for volume pricing. Your specific advance rate and fee depend on your industry, customer credit, and volume — confirm directly with eCapital.
Is eCapital recourse or non-recourse factoring?+
eCapital's standard arrangement is recourse factoring, meaning you may be responsible for unpaid invoices. Non-recourse is available for select arrangements. Which structure applies depends on your customer mix and the terms eCapital extends — verify the recourse terms before signing.
What does eCapital look for when qualifying a business?+
The primary criterion is the creditworthiness of your commercial customers rather than your own business age or personal credit. eCapital serves B2B businesses in freight, staffing, manufacturing, and distribution, with a higher invoice volume preferred and a $50K+ monthly minimum typical.
How do I apply for eCapital factoring through ClearValue Lending?+
ClearValue Lending is a small business funding platform, not a factoring company, and this is editorial information. Applications are routed through the ClearValue Lending partner application portal at ClearValue Lending, where eCapital determines final advance rates, fees, and recourse terms.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.