TAFS, Inc.

Specialty Finance / Working Capital Lendingtafs.com

eCapital, the operating brand of TAFS, Inc., is a privately held, technology-enabled specialty finance company founded in 2006 that originates asset-based lending, factoring, and supply chain finance facilities ($5M-$250M) for small and mid-sized businesses across healthcare, staffing, transportation, and consumer goods in the U.S., Canada, and the U.K.

Company typePrivate
Founded2006
HeadquartersOlathe, United States
Headcount101–250
GTM typeB2B
OfferingServices

What TAFS, Inc. does

eCapital, the operating brand of TAFS, Inc. (legal entity eCapital Corp., a California-incorporated corporation), is a privately held technology-enabled specialty finance company founded in 2006 and headquartered in Miami, with regional operations in Toronto, Canada, and London, United Kingdom. The company originates and services working-capital facilities for small and mid-sized businesses, with a marketed capacity spanning $5 million to $250 million per facility, and reports approximately 850+ employees serving 42,000+ cumulative clients across more than 80 industries.

Its core products fall into three pillars: Asset-Based Finance (asset-based lending, A/R financing, inventory financing, in-transit financing, healthcare receivables, acquisition financing, asset refinancing, exit financing, DIP financing, and CHOW financing); Supply Chain Finance (SCF for buyers, SCF for suppliers, B2B Buy Now Pay Later, dynamic discounting, and the FastTrack platform); and Factoring (invoice factoring, freight factoring, sales ledger financing, reverse factoring, and payroll funding). Specialized solutions include Liquid Inventory, an inventory-backed capital product for marketplace sellers. The underlying technology stack consists of "The Platform," a tech-enabled financing and account-management system with a mobile application offering 24/7 access and accelerated funding windows, plus an Embedded Lending API that allows third-party software partners to distribute eCapital financing inside their own client workflows.

The business model is transaction-fee and interest-driven against collateralized receivables, inventory, and equipment. Distribution combines a direct sales team of finance professionals with structured referral channels — turnaround consultants, accountants/CPAs, commercial loan brokers, attorneys, financial sponsors, bankers, financial advisors, strategic advisory firms, debt advisors, and freight brokers — alongside the Embedded Lending technology-partner channel. Pricing is custom per facility, not standardized. eCapital's stated verticals of focus are healthcare, staffing, consumer goods, and transportation.

TAFS, Inc. firmographics

Firmographics

Name: TAFS, Inc.
Legal name: eCapital Corp.
Website: https://tafs.com
Company type: Private
Founded year: 2006
Operating status: Operating
Headcount range: 101–250 employees
Short description: eCapital, the operating brand of TAFS, Inc., is a privately held, technology-enabled specialty finance company founded in 2006 that originates asset-based lending, factoring, and supply chain finance facilities ($5M-$250M) for small and mid-sized businesses across healthcare, staffing, transportation, and consumer goods in the U.S., Canada, and the U.K.
Ownership category
akta.pro rank

TAFS, Inc. industry classification

Industry

Product category: Specialty Finance / Working Capital Lending
NAICS: Finance and Insurance (52), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
SIC: Miscellaneous Business Credit Institution (6159), Asset-Backed Securities (6189)
akta.pro primary industry: Structured Trade & Export Credit (ECA-backed, Structured Solutions) (FSABAHAJ)
akta.pro secondary industry: Asset-Backed Securities (ABS) (FSACACAA)

Keywords

Specialty finance lending
Freight factoring services
Supply chain finance
Asset-based lending
Working capital solutions

Where TAFS, Inc. is headquartered

Location

Headquarters

HQ city: Olathe
HQ country: United States
HQ region: North America

Offices3 records

Markets served

TAFS, Inc. business model

Business model

GTM type: B2B
Offering type: Services
Cost components: Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

Asset-based Lending: Collateral-backed lending against receivables, inventory, and equipment for businesses needing working capital
Factoring Services: Invoice factoring, freight factoring, and sales ledger financing providing immediate cash flow by purchasing receivables
Supply Chain Finance: SCF for buyers and suppliers, reverse factoring, dynamic discounting enabling extended payment terms
Specialty Financing: Healthcare receivables, DIP financing, acquisition financing, exit financing, and other scenario-specific funding solutions

Pricing tiers

Model	Billing	Price
Other	Pay-as-you-go	Custom financing facilities based on business needs and collateral

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

TAFS, Inc. product offering

Product offering

Core offering

eCapital is a technology-enabled specialty finance company that provides working capital solutions to small and medium-sized businesses across North America and the U.K. The company offers asset-based lending, accounts receivable financing, invoice and freight factoring, supply chain finance, payroll funding, and inventory financing delivered through a digital platform, with facility sizes ranging from $5 million to $250 million across 80+ industry verticals.

Product overview

eCapital is a technology-enabled specialty finance platform offering a comprehensive suite of working capital and financing solutions. The core offering includes asset-based lending, accounts receivable financing, invoice and freight factoring, supply chain finance, payroll funding, and inventory financing. The platform operates through The Platform (a tech-enabled financing platform) which supports various financing products including Asset-based Lending, A/R Financing, Supply Chain Finance (with FastTrack), Invoice Factoring, Freight Factoring, Payroll Funding, Sales Ledger Financing, In-transit Financing, and Inventory Financing. Specialized products include DIP Financing, Acquisition Financing, Asset Refinancing, Exit Financing, CHOW Financing, Dynamic Discounting, and B2B Buy Now, Pay Later. The company also offers Embedded Lending as a technology solution for partners, a Mobile App for 24/7 access, and industry-specific solutions for Healthcare, Staffing, Consumer Goods, and Transportation sectors. The platform supports facilities from $5 million to $250 million across North America and the U.K.

Differentiator

Problem solved

Functional benefit

Brands

FastTrack: Supply chain finance platform optimizing invoice and payment flows.
Liquid Inventory

Products and services

Asset-based Lending

Quantifiable outcome

43M+ transactions completed
+3 more outcomes

Companies that use TAFS, Inc.

Customer profile

Named customers6 records

Segments5 records

Ideal customer profiles7 records

TAFS, Inc. technology and API

Technology

Technology focussed Yes

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature3 records

TAFS, Inc. partnerships and signals

Strategic signal

Partnerships

Eleven partnerships are on record, tiered core and supporting.

Technology PartnerscoreTechnology or IntegrationTechnology partnerships enabling embedded lending solutions. Partners integrate eCapital financing options into their platforms to offer enhanced offerings to their clients. Includes software platforms and technology companies seeking to provide working capital financing to their customer base.
Turnaround ConsultantssupportingChannel Partner/ Reseller/ DistributorReferral partners who direct businesses in restructuring or turnaround situations to eCapital for debtor-in-possession financing and restructuring support.
Accountants/CPAssupportingChannel Partner/ Reseller/ DistributorAccounting professionals who refer clients needing working capital or specialized financing to eCapital's services.
Commercial Loan BrokerscoreChannel Partner/ Reseller/ DistributorProfessional brokers who arrange commercial financing deals, matching borrowers with eCapital's asset-based lending and specialty finance products.
AttorneyssupportingChannel Partner/ Reseller/ DistributorLegal professionals referring clients involved in mergers, acquisitions, or business transactions requiring specialized financing.
Financial SponsorscoreChannel Partner/ Reseller/ DistributorPrivate equity firms, hedge funds, and other financial sponsors who need financing solutions for portfolio companies or investment opportunities.
BankerssupportingChannel Partner/ Reseller/ DistributorCommercial bankers who refer clients requiring specialized financing beyond traditional bank products to eCapital.
Financial AdvisorssupportingChannel Partner/ Reseller/ DistributorAdvisors who recommend eCapital financing solutions to business clients seeking working capital or growth capital.
Strategic Advisory FirmssupportingChannel Partner/ Reseller/ DistributorConsulting and advisory firms that guide clients through complex financial situations and recommend eCapital's specialized financing.
Debt Advisors/Debt CounselorssupportingChannel Partner/ Reseller/ DistributorProfessionals advising companies on debt structures who recommend eCapital for specialized debt solutions.
Freight BrokerscoreChannel Partner/ Reseller/ DistributorFreight brokers referring trucking carriers to eCapital for freight factoring and transportation financing solutions.

Scale indicators9 records

Recent moves5 records

Expansion highlights5 records

TAFS, Inc. competitors and assessment

Company assessment

Direct peers

Fundbox: A fintech working-capital platform providing invoice financing and lines of credit to SMBs, including embedded B2B payments financing. Competes directly with TAFS in tech-enabled SMB working capital.
Triumph Business Capital: A major non-bank freight factoring and trucking-finance provider in the US, directly competing with TAFS/eCapital in freight factoring, fuel advances, and working capital to carriers and brokers.
Riviera Finance: A long-established non-bank factor providing invoice factoring, A/R financing, and asset-based lending to SMB and mid-market clients across multiple verticals, closely overlapping TAFS's core factoring products.
BlueVine: A fintech lender offering invoice factoring, lines of credit, and working-capital solutions to SMBs. Competes with TAFS in A/R financing and embedded SMB lending with a technology-led approach.
Liquidity Capital: A tech-enabled revenue-based financing and factoring provider for SMBs, including cross-border offerings. Closely comparable to TAFS in tech-first working-capital delivery to growing SMBs.
Apex Capital: One of the largest US freight factoring companies, providing factoring, fuel cards, and trucking financing. Directly comparable to TAFS's freight factoring and transportation working-capital products.
AltLine by CommunityBank: A platform aggregating community-bank ABL and factoring facilities for SMBs and mid-market borrowers, with strong vertical specialization similar to TAFS's healthcare, staffing, and transportation focus.
TCF Capital (now Pathward): A specialty finance company historically focused on factoring and asset-based lending to SMBs across transportation and staffing verticals, directly comparable to TAFS's transportation and staffing offerings.

Broad incumbents

OnDeck (now Enova): A larger SMB online lender offering lines of credit and term loans through proprietary tech and embedded partnerships. Comparable to TAFS in digital SMB working-capital delivery and embedded lending go-to-market.
White Oak Global Advisors: A specialty finance asset manager providing ABL, factoring, and lender finance to middle-market borrowers — adjacent to TAFS in non-bank asset-based credit and working-capital solutions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

TAFS, Inc. financial estimates

Financial estimate

Revenue estimate

Valuation estimate

TAFS, Inc. leadership team

Management profile

Number of profiles

TAFS, Inc. funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

TAFS, Inc. M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TAFS, Inc.

What does TAFS, Inc. do?

Is TAFS, Inc. a public or private company?

TAFS, Inc. is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was TAFS, Inc. founded?

TAFS, Inc. was founded in 2006. It employs 101 to 250 people.

Where is TAFS, Inc. based?

TAFS, Inc. is headquartered in Olathe, United States, in the North America region.

How does TAFS, Inc. make money?

Four revenue lines are on record. Asset-based Lending is the primary driver. The others are factoring Services, supply Chain Finance and specialty Financing.

Who are TAFS, Inc.'s main competitors?

Direct peers on record are Fundbox, Triumph Business Capital, Riviera Finance, BlueVine, Liquidity Capital, Apex Capital, AltLine by CommunityBank and TCF Capital (now Pathward). Broad incumbents are OnDeck (now Enova) and White Oak Global Advisors.

Does TAFS, Inc. have an API?

No public API is recorded for TAFS, Inc..

What industry is TAFS, Inc. in?

TAFS, Inc.'s product category is Specialty Finance / Working Capital Lending. Its primary akta.pro industry code is FSABAHAJ, Structured Trade & Export Credit (ECA-backed, Structured Solutions), with a secondary code of FSACACAA, Asset-Backed Securities (ABS). Its NAICS code is 52 and its SIC code is 6159.