TAFS, Inc.
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
Where TAFS, Inc. is headquartered
LocationHeadquarters
- 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 offeringCore 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 profileNamed customers6 records
Segments5 records
Ideal customer profiles7 records
TAFS, Inc. technology and API
TechnologyTechnology 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 signalPartnerships
Eleven partnerships are on record, tiered core and supporting.
- Technology PartnerscoreTechnology 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 ConsultantssupportingReferral partners who direct businesses in restructuring or turnaround situations to eCapital for debtor-in-possession financing and restructuring support.
- Accountants/CPAssupportingAccounting professionals who refer clients needing working capital or specialized financing to eCapital's services.
- Commercial Loan BrokerscoreProfessional brokers who arrange commercial financing deals, matching borrowers with eCapital's asset-based lending and specialty finance products.
- AttorneyssupportingLegal professionals referring clients involved in mergers, acquisitions, or business transactions requiring specialized financing.
- Financial SponsorscorePrivate equity firms, hedge funds, and other financial sponsors who need financing solutions for portfolio companies or investment opportunities.
- BankerssupportingCommercial bankers who refer clients requiring specialized financing beyond traditional bank products to eCapital.
- Financial AdvisorssupportingAdvisors who recommend eCapital financing solutions to business clients seeking working capital or growth capital.
- Strategic Advisory FirmssupportingConsulting and advisory firms that guide clients through complex financial situations and recommend eCapital's specialized financing.
- Debt Advisors/Debt CounselorssupportingProfessionals advising companies on debt structures who recommend eCapital for specialized debt solutions.
- Freight BrokerscoreFreight 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 assessmentDirect 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. social profiles
Digital presenceTAFS, Inc. financial estimates
Financial estimateRevenue estimate
Valuation estimate
TAFS, Inc. leadership team
Management profileNumber of profiles
TAFS, Inc. funding detail
Funding detailFunding 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 investmentM&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?
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.
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.