eCapital
- Company typePrivate
- Founded2005
- HeadquartersMiami, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingServices
eCapital firmographics
Firmographics- Name
- eCapital
- Legal name
- eCapital Corp.
- Website
- https://ecapital.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Ownership category
- akta.pro rank
eCapital industry classification
Industry- Product category
- Specialty Finance / Asset-Based Lending
- NAICS
- Finance and Insurance (52), Miscellaneous Financial Investment Activities (523999), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Miscellaneous Business Credit Institution (6159), Finance Services (6199), Asset-Backed Securities (6189)
- akta.pro primary industry
- Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)
- akta.pro secondary industries
- Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Digital Account Opening & Onboarding (eKYC, eSignature, Origination) (FSAGAAAB), Asset-Backed Securities (ABS) (FSACACAA)
Keywords
Where eCapital is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
eCapital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Asset-Based Lending (ABL): Revolving lines of credit secured by receivables, inventory, and equipment. Revenue generated through interest income and fees on drawn facilities.
- Accounts Receivable / Invoice Financing: Funding that advances cash against outstanding invoices or entire sales ledgers. Revenue through discount fees or interest on advanced funds.
- Freight Factoring: Financing that converts unpaid freight invoices into immediate cash for trucking companies. Revenue through factoring fees.
- Supply Chain Finance: Finance solutions for buyers and suppliers including reverse factoring, dynamic discounting, and B2B Buy Now Pay Later. Revenue from fees on facilitated transactions.
- Healthcare Receivables Finance: A/R financing tailored for healthcare providers, leveraging receivables and assets to unlock working capital. Revenue through facility fees and interest.
- Payroll Funding: Flexible financing ensuring consistent payroll delivery by unlocking cash tied up in accounts receivable, particularly for staffing agencies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Asset-Based Lending (ABL) - revolving line of credit |
| Transaction based/ take rate | Pay-as-you-go | Invoice / Freight Factoring - transaction-based fees |
| Transaction based/ take rate | Pay-as-you-go | Supply Chain Finance - buyer and supplier programs |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
eCapital product offering
Product offeringCore offering
eCapital is a specialty finance company that provides asset-based working capital solutions to small and mid-sized businesses across North America and the UK. Its core offerings include revolving asset-based lending lines secured by receivables, inventory, and equipment; invoice and freight factoring; supply chain finance programs for buyers and suppliers; payroll funding; and healthcare receivables financing. Capital facility sizes range from $5 million to $250 million in the US and Canada, with £6M+ lines in the UK, delivered through a technology-enabled platform that combines automated underwriting with direct sales support from finance professionals.
Product overview
eCapital is a specialty finance platform offering a comprehensive suite of asset-based financing solutions for small and medium-sized businesses across North America and the UK. The platform operates as a multi-product portfolio spanning three core categories: Asset-based Finance (including Asset-based Lending, A/R Financing, Inventory Financing, and specialized variants like Healthcare A/R Finance), Supply Chain Finance (including Supply Chain Finance for Buyers and Suppliers, B2B Buy Now Pay Later, Dynamic Discounting, and Reverse Factoring), and Factoring Services (including Freight Factoring, Invoice Factoring, Payroll Funding, and Sales Ledger Financing). The company also offers specialized financing products for acquisitions, distressed situations (DIP Financing, Exit Financing), and business transitions (CHOW Financing, Unlocking Business Wealth scenarios). Client access is provided through multiple branded portals including Connect Portal, Borrower Portal, Fuel Portal, and a Mobile App, with regional variants for UK markets including Invoice Finance, Invoice Discounting, Bad Debt Protection, and Selective Invoice Finance.
Differentiator
Problem solved
Functional benefit
Products and services
- Asset-based Lending Revolving lines of credit secured by business assets such as receivables, inventory, and equipment, providing scalable working capital for SMBs and mid-market companies.
- A/R Financing Funding that unlocks working capital by advancing cash against outstanding accounts receivable, with revenue from discount fees or interest on advanced funds.
- Inventory Financing Flexible funding that leverages existing or incoming inventory to free up cash flow for operations and growth.
- Acquisition Financing Funding that supports business growth by providing capital to acquire another company or its assets.
- Asset Refinancing Line of credit or short-term loan secured by the company's existing machinery, equipment, real estate, or inventory.
- Healthcare A/R Finance Accounts receivable financing tailored for healthcare providers, leveraging receivables and assets to unlock working capital.
- Exit Financing Funding that supports businesses emerging from bankruptcy or restructuring, restoring stability and enabling a fresh start.
- DIP Financing Funding that provides critical liquidity to companies undergoing bankruptcy proceedings, helping them maintain operations and restructure successfully.
- In-transit Financing Financing that unlocks working capital tied up in goods while they are in transit, keeping supply chains moving.
- CHOW Financing Flexible funding designed to support ownership transitions, acquisitions, and business successions without disrupting operations.
- Supply Chain Finance for Buyers Financing that helps buyers pay suppliers early while extending their own payment terms to preserve liquidity.
- Supply Chain Finance for Suppliers Financing that provides suppliers with early payments on approved invoices, improving cash flow without added debt.
- B2B Buy Now, Pay Later Funding that enables buyers to defer payment while sellers get paid upfront, improving cash flow on both sides of the transaction.
- Dynamic Discounting Solution that lets buyers pay suppliers early in exchange for discounts, optimizing cash flow and reducing costs.
- Invoice Factoring Financing that advances cash against outstanding invoices to accelerate cash flow without taking on new debt.
- Freight Factoring Financing that converts unpaid freight invoices into immediate cash flow to keep trucking operations running smoothly.
- Sales Ledger Financing Funding that advances capital against the entire sales ledger, turning receivables into immediate working capital.
- Reverse Factoring Solution that pays suppliers early on behalf of buyers while extending payment terms to optimize buyer cash flow.
- Payroll Funding Flexible financing that ensures consistent payroll delivery by unlocking cash tied up in accounts receivable, particularly for staffing agencies.
- Liquid Inventory Inventory-backed capital designed for marketplace sellers, enabling them to unlock working capital tied up in inventory.
- FastTrack Supply chain finance platform (formerly LSQ FastTrack) that optimizes invoice and payment flows between buyers and suppliers.
- Embedded Lending Technology platform enabling partners to embed financing solutions into their own platforms and offerings through white-label integration.
- Invoice Finance (UK) UK-specific invoice finance product enabling businesses to unlock cash tied up in unpaid invoices.
- Bad Debt Protection (UK) UK product that protects businesses against non-payment by customers, mitigating risk of bad debt.
- Invoice Discounting (UK) UK product allowing businesses to borrow against their unpaid invoices while maintaining control of their sales ledger.
- Selective Invoice Finance (UK) UK product enabling businesses to selectively finance specific invoices rather than their entire ledger.
- Recruitment Financing (UK) UK financing solution tailored for recruitment agencies to manage cash flow between placements and client payments.
- Cross-border Finance (UK-US) UK-US cross-border financing solution enabling international trade finance for businesses operating in both markets.
Quantifiable outcome
- Over $144 billion in funding delivered since founding
- +5 more outcomes
Companies that use eCapital
Customer profileNamed customers9 records
Segments7 records
Ideal customer profiles5 records
eCapital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
eCapital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- 123LoadboardcoreeCapital formed a strategic partnership with 123Loadboard to enhance freight logistics by integrating financing solutions with freight matching technology. The collaboration aims to improve operational efficiency for transportation companies by providing credit visibility and smarter load decision tools, connecting eCapital's transportation clients with freight opportunities on the 123Loadboard platform.
Scale indicators10 records
Recent moves2 records
Expansion highlights5 records
eCapital competitors and assessment
Company assessmentDirect peers
- BlueVine: Digital-first SMB fintech offering invoice factoring and lines of credit. Directly comparable to eCapital's SMB factoring and ABL business, competing for the same small-business customer with a tech-led, fast-onboarding experience.
- Fundbox: SMB invoice-factoring and working-capital platform. Closely matches eCapital's invoice-factoring and working-capital solutions for SMBs and competes on speed, UX, and pricing in the small-ticket segment.
- Riviera Finance: Long-standing commercial finance company offering invoice factoring, A/R financing, and asset-based lending to SMBs and mid-market. Overlaps substantially with eCapital's invoice-factoring and ABL product suite.
- altLINE (The Bancorp Bank): Online invoice-factoring and ABL platform for SMBs, operated through The Bancorp Bank. Comparable to eCapital's SMB factoring motion with a similar small-to-mid-market facility range and underwriting approach.
- Triumph Business Capital: Transportation-focused factoring and ABL provider. Direct competitor to eCapital's freight-factoring business, serving carriers and brokers with similar receivable-backed facilities.
- TAB Bank: Asset-based and supply chain lender serving SMBs across transportation, staffing, and other verticals. Competes with eCapital in freight factoring, staffing payroll funding, and supply chain finance.
- White Oak Commercial Finance: Direct ABL and factoring lender to the US mid-market. Most direct comparable to eCapital's asset-based lending and factoring business across facility sizes similar to eCapital's $5M-$250M range.
- King Trade Capital: Supply chain finance provider offering non-recourse factoring and inventory financing for manufacturers and distributors. Most direct comparable to eCapital's FastTrack and supply chain finance products.
- SLR Business Credit (formerly Crystal Financial): Middle-market asset-based lender providing senior secured ABL facilities. Comparable to eCapital's ABL platform, particularly for healthcare and specialty-finance borrowers in the mid-market.
Broad incumbents
- Ares Management: Large alternative asset manager with direct-lending and specialty-finance franchises. While not a direct SMB-factor, Ares' direct-lending and asset-based strategies overlap with eCapital's mid-market ABL business and Ares is also an eCapital investor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
eCapital social profiles
Digital presenceeCapital financial estimates
Financial estimateRevenue estimate
Valuation estimate
eCapital leadership team
Management profileNumber of profiles
Profiles8 records
eCapital funding detail
Funding detailFunding overview
Funding rounds2 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
eCapital M&A and investment
M&A and investmentM&A4 records
Investments5 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about eCapital
What does eCapital do?
eCapital is a specialty finance company that provides asset-based working capital solutions to small and mid-sized businesses across North America and the UK. Its core offerings include revolving asset-based lending lines secured by receivables, inventory, and equipment; invoice and freight factoring; supply chain finance programs for buyers and suppliers; payroll funding; and healthcare receivables financing. Capital facility sizes range from $5 million to $250 million in the US and Canada, with £6M+ lines in the UK, delivered through a technology-enabled platform that combines automated underwriting with direct sales support from finance professionals.
Is eCapital a public or private company?
eCapital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was eCapital founded?
eCapital was founded in 2005. It employs 501 to 1,000 people.
Where is eCapital based?
eCapital is headquartered in Miami, United States, in the North America region.
How does eCapital make money?
Six revenue lines are on record. Asset-Based Lending (ABL) is the primary driver. The others are accounts Receivable / Invoice Financing, freight Factoring, supply Chain Finance, healthcare Receivables Finance and payroll Funding.
Who are eCapital's main competitors?
Direct peers on record are BlueVine, Fundbox, Riviera Finance, altLINE (The Bancorp Bank), Triumph Business Capital, TAB Bank, White Oak Commercial Finance, King Trade Capital and SLR Business Credit (formerly Crystal Financial). Ares Management is listed as a broad incumbent.
Does eCapital have an API?
No public API is recorded for eCapital.
What industry is eCapital in?
eCapital's product category is Specialty Finance / Asset-Based Lending. Its primary akta.pro industry code is FSAGALAH, Merchant Cash Advance & Revenue-Based Financing Enablement, with a secondary code of FSAGALAK, Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes). Its NAICS code is 52 and its SIC code is 6159.