eCapital Review 2026 — Rates, Fees & Who It Is Best For
Last reviewed: May 2026 — Rate data verified via eCapital’s published rate schedule and product pages. FundingCompass has no current affiliate arrangement with eCapital. This is an independent editorial review.
- Best for freight carriers running $25,000+/month in loads who need the highest published advance rate (up to 97%) and 2–4 hour funding
- Fees from 0.69% per 30 days — but most freight accounts pay 1–2%; general B2B clients should expect 1.5–2.5%
- Dedicated industry divisions for freight, staffing, and government contracting with separate underwriting teams — not a generalist retrofitted for trucking
- Recourse-only: no non-recourse option, and the 12-month contract with volume minimums creates real exit risk for seasonal businesses
Key Terms
Advance Rate
The percentage of the invoice value paid to you upfront. eCapital advances up to 97% for freight invoices and up to 90% for general B2B — among the highest published rates in the industry.
Recourse Factoring
A factoring arrangement where you remain responsible if your customer does not pay. eCapital is recourse-only — if a broker becomes insolvent, the invoice is charged back against your reserve and you bear the loss.
UCC-1
A public lien notice filed against your assets. When you factor with eCapital, they file a UCC-1 lien on your accounts receivable. This prevents you from pledging the same receivables to another lender simultaneously.
Factor Rate
The fee eCapital charges per 30-day period. eCapital’s published floor is 0.69% per 30 days; most accounts pay 1–2% per 30 days for freight and 1.5–2.5% for general B2B.
eCapital at a Glance
| Metric | Details |
|---|---|
| Advance rate | Up to 97% (freight); up to 90% (general B2B) |
| Fee range | From 0.69% per 30 days (freight); 1–2.5% (general B2B) |
| Industries served | Freight / trucking, staffing, general B2B, government contractors |
| Minimum monthly volume | $10,000 (freight); $25,000 (general B2B) |
| Contract term | 12 months (minimum) |
| Non-recourse option | No |
| Fuel advance | Yes (freight) |
| Funding speed | 2–4 hours (freight); 24 hours (general B2B) |
| Founded | 2018 (rebranded from multiple regional factors) |
| Min. personal credit score | No minimum — approval based on customer (broker/shipper) credit |
| Min. time in business | 0 months — new authorities accepted for freight |
| Max. funding amount | Scales with invoice volume; no published cap |
Strengths
- Highest published advance rate in freight factoring: up to 97% vs. the industry average of 85–90%
- Funding in 2–4 hours from verified document submission — faster than most freight factors' 24-hour standard
- Fuel advance of 40–50% of load value at dispatch, before delivery, via ACH or fuel card
Limitations
- Recourse only — no non-recourse option means you bear full loss if a broker becomes insolvent
- 12-month minimum contract with volume commitments; early exit triggers a termination fee
- The 0.69% rate floor applies only to high-volume ($250K+/month) accounts; most freight accounts pay 1–2%
What eCapital Does Well
Industry-leading advance rates for freight. eCapital consistently offers the highest published advance rates in freight factoring — up to 97% of the invoice value. For an owner-operator running $40,000/month in loads, the difference between a 93% and 97% advance rate is $1,600 in immediate cash per month. That margin matters.
Speed on the freight side. eCapital’s freight factoring platform funds approved invoices in 2–4 hours from verified document submission. In freight, where fuel and driver costs are immediate, same-run funding matters operationally.
Fuel advance program. eCapital advances 40–50% of load value at dispatch — before delivery — via ACH or fuel card. This is one of the few factors where the fuel advance arrives fast enough to fuel the outbound trip, not just reimburse you after.
Broad industry coverage. eCapital operates across freight, staffing, government contracting, and general B2B through dedicated divisions. Unlike general factors that nominally serve multiple industries, eCapital has separate underwriting teams for each sector.
Technology integration. eCapital’s freight portal integrates with major load boards and TMS systems. Document submission via mobile app is standard. For high-volume carriers, the operational efficiency of the technology offsets some of the contract inflexibility.
eCapital advances up to 97% of freight invoice value — among the highest published advance rates in the industry — with freight invoices funded in 2–4 hours and fees from 0.69% per 30 days for qualifying high-volume accounts.
FundingCompass research, May 2026
eCapital’s Limitations
Recourse only. eCapital does not offer non-recourse factoring. If a broker or customer becomes insolvent, the invoice charge-back falls on you. For carriers working with many smaller or newer brokers, this is a meaningful exposure. For guidance on what lenders must disclose about recourse obligations, see the FTC’s small-business credit and financing guidance.
12-month contract with volume minimums. eCapital requires a minimum 12-month commitment with monthly volume minimums. Exiting early triggers a termination fee. For businesses with seasonal or unpredictable invoice volume, this contract structure is a risk.
The 0.69% rate is not universal. eCapital’s published rate floor of 0.69% per 30 days is for high-volume freight accounts with strong broker credit. Most eCapital freight accounts pay 1–2% per 30 days. General B2B clients should expect 1.5–2.5%. Get your specific rate in writing before signing.
Customer service quality is mixed at scale. eCapital has grown significantly through acquisition of regional factors, and customer service consistency varies by region and account manager. This is a recurring theme in user reviews — excellent service in some markets, inconsistent in others.
Fee Modelling — What You Actually Pay
At eCapital’s 2% per 30-day rate (a reasonable expectation for most accounts), here is what factoring costs at different volumes and payment speeds:
| Monthly Invoice Volume | Avg. Payment Speed | Monthly Fee | Annual Fee |
|---|---|---|---|
| $25,000 | 30 days | $500 | $6,000 |
| $50,000 | 30 days | $1,000 | $12,000 |
| $100,000 | 30 days | $2,000 | $24,000 |
| $50,000 | 45 days | $1,500 | $18,000 |
| $100,000 | 45 days | $3,000 | $36,000 |
Fees are illustrative at 2% per 30 days. Your actual rate depends on volume, customer credit, and contract terms. For context, a 2% monthly fee on a 30-day invoice is approximately 24% APR (annual percentage rate).
Who Should Use eCapital
Strong fit:
- Freight carriers (owner-operators to mid-size fleets) running $25,000+ monthly in loads with creditworthy brokers
- Staffing agencies with $50,000+ monthly invoicing to established employers
- Government contractors with federal or state receivables
- Businesses needing a combination of factoring services across multiple entity types
Poor fit:
- Businesses with seasonal or highly variable invoice volume (12-month contract is a risk)
- Businesses needing non-recourse coverage (eCapital does not offer it)
- Small businesses under $10,000/month in freight (eCapital has minimums)
- Businesses that want flexibility to spot-factor individual invoices
eCapital vs. Competitors
| eCapital | Triumph Business Capital | RTS Financial | |
|---|---|---|---|
| Advance rate | Up to 97% | Up to 97% | Up to 97% |
| Freight fee | From 0.69% | 1.5–3% | 1–3% |
| Non-recourse | No | Yes | No |
| Contract | 12 months | 12 months | Flexible |
| Min. volume | $10,000/mo | $25,000/mo | None |
| Fuel advance | Yes | Yes | Yes |
| Industries | Multi | Multi | Freight only |
eCapital’s edge is the published rate floor and multi-industry capability. Triumph’s edge is non-recourse availability. RTS Financial’s edge is no minimum volume requirement for owner-operators.
Application Process
Apply directly at eCapital.com.
Frequently Asked Questions
What is eCapital's actual rate for a typical freight account?
eCapital's published rate floor of 0.69% per 30 days is reserved for high-volume accounts ($250,000+ monthly) with exceptional broker credit profiles. Most freight accounts pay 1–2% per 30 days. General B2B accounts typically pay 1.5–2.5%. Request a rate specific to your customer list before signing.
Does eCapital offer spot factoring?
No. eCapital requires a contract with minimum monthly volume commitments. If you need the flexibility to factor individual invoices without a contract, consider RTS Financial (freight) or BlueVine (general B2B).
How quickly does eCapital fund freight invoices?
eCapital funds freight invoices in 2–4 hours from verified document submission during business hours. Documents submitted after 3 PM Eastern may fund the following business morning. Same-day ACH is standard; wire transfers are available for a fee.
What happens if a broker doesn't pay an invoice I factored with eCapital?
eCapital is recourse-only. If a broker does not pay after the recourse period (typically 90 days), eCapital charges the invoice back against your reserve account. You then pursue the broker directly. If the broker has failed or is unreachable, you bear the loss. This is standard for recourse factoring and not unique to eCapital.
Can I use eCapital for both freight and staffing invoices?
Yes. eCapital has dedicated freight and staffing divisions and can serve businesses with invoices in both categories. Each division operates semi-independently with its own account management. Confirm whether your contract covers both services and whether separate volume minimums apply to each.