Paragon Financial Group
eCapital Corp. is a privately held specialty finance lender providing asset-based lending, factoring, and supply chain finance to SMB and mid-market businesses across the US, Canada, and UK. It distributes via direct sales, digital self-serve, embedded/white-label partners, and a referral network across 80+ industries.
- Company typePrivate
- Founded2004
- HeadquartersFort Lauderdale, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Paragon Financial Group does
eCapital Corp. is a privately held specialty finance company founded circa 2004 and operating across the United States, Canada, and the United Kingdom, with US headquarters in Miami. It provides technology-enabled working capital solutions spanning three core product families: asset-based lending (including A/R financing, inventory financing, acquisition financing, healthcare receivables financing, and asset refinancing), supply chain finance (SCF for buyers and suppliers, B2B Buy Now Pay Later, dynamic discounting), and factoring (invoice, freight, sales ledger, reverse factoring, and payroll funding). Sub-branded solutions include Liquid Inventory (for marketplace sellers) and FastTrack (supply chain finance platform). The technology stack comprises a web platform, mobile app with 24/7 access and same-day plus weekend funding, and an Embedded Lending API/white-label offering for technology partners. Facilities range from $5 million to $250 million per client, and the company reports having financed 42,000+ clients across 80+ industries with 43 million+ lifetime transactions.
The company serves SMB and mid-market clients primarily in healthcare, staffing, transportation/trucking, consumer goods, and e-commerce, plus clients with extended payment terms, high-growth capital needs, restructuring/turnaround situations (including DIP financing), and seasonal demand cycles. Revenue is generated on a transaction-fee model across each financing product — interest, discount, and fee spread on funded receivables and lines of credit. Distribution is hybrid: a direct sales team for enterprise and mid-market deals, a digital self-serve platform for SMB volume, an embedded/white-label channel via technology partners, and a large referral partner network spanning CPAs, commercial loan brokers, attorneys, financial sponsors, bankers, financial advisors, turnaround consultants, debt advisors, and freight brokers. The company is regulated under the California Finance Lenders Law and holds a corresponding California license.
Strategically, eCapital positions itself as a digital-first alternative to traditional banks for businesses underserved by conventional credit — emphasizing speed (same-day funding, 1-hour and weekend availability), flexible collateral-based underwriting, and a broad product shelf that allows cross-sell across a client's working capital lifecycle. Operational scale (850+ employees reported, multi-country footprint, broad product portfolio) and the explicit Embedded Lending buildout suggest a platform-oriented growth strategy intended to compound origination through partner distribution rather than purely direct sales.
Paragon Financial Group firmographics
Firmographics- Name
- Paragon Financial Group
- Legal name
- eCapital Corp.
- Website
- https://paragonfinancial.net
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- eCapital Corp. is a privately held specialty finance lender providing asset-based lending, factoring, and supply chain finance to SMB and mid-market businesses across the US, Canada, and UK. It distributes via direct sales, digital self-serve, embedded/white-label partners, and a referral network across 80+ industries.
- Ownership category
- akta.pro rank
Paragon Financial Group industry classification
Industry- Product category
- Specialty Finance
- NAICS
- Finance and Insurance (52)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Invoice Factoring & Receivables Finance Brokerage (FSAEAEAO)
- akta.pro secondary industries
- Microloans & Working Capital Loans (FSAKAGAA), SME Term Loans & Growth Capital (FSAKAGAB)
Keywords
Where Paragon Financial Group is headquartered
LocationHeadquarters
- HQ city
- Fort Lauderdale
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Paragon Financial Group business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Asset-based Lending: Lines of credit secured by business assets including receivables, inventory, and equipment. Provides working capital based on collateral quality rather than credit scores.
- A/R Financing: Accounts receivable financing allowing businesses to leverage outstanding invoices for immediate cash flow.
- Supply Chain Finance: Extends payment terms for buyers while providing early payment to suppliers through the FastTrack platform.
- Invoice Factoring: Purchase of outstanding invoices at a discount, providing immediate cash to businesses.
- Freight Factoring: Specialized factoring services for trucking and transportation companies against freight invoices.
- Payroll Funding: Funding solutions that scale with staffing business needs, advancing against payroll obligations.
- Inventory Financing: Capital advances secured by inventory assets for businesses with significant stock requirements.
- Healthcare Receivables Financing: Specialized A/R financing for healthcare providers including medical practices and facilities.
- Acquisition Financing: Capital solutions for funding business acquisitions, mergers, and buyouts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Custom financing packages based on business needs and asset quality |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Paragon Financial Group product offering
Product offeringCore offering
Paragon Financial Group operates as a specialty finance platform providing asset-based lending, accounts receivable financing, supply chain finance, and factoring services to small and mid-sized businesses. Facility sizes range from $5 million to $250 million, with financing delivered through a digital-first platform supporting 24/7 access and same-day funding across North America and the U.K.
Product overview
eCapital operates as a specialty finance platform offering a comprehensive suite of financing solutions across three main categories: Asset-Based Lending (including A/R financing, inventory financing, acquisition financing, and healthcare receivables financing), Supply Chain Finance (encompassing SCF for buyers and suppliers, B2B Buy Now Pay Later, and dynamic discounting), and Factoring services (including invoice factoring, freight factoring, payroll funding, and sales ledger financing). The company also provides specialized solutions like Liquid Inventory for marketplace sellers and FastTrack for supply chain optimization. All offerings are delivered through a technology platform comprising a core web platform, mobile application, and embedded lending capabilities, enabling digital-first financing with funding facilities ranging from $5 million to $250 million across North America and the U.K.
Differentiator
Problem solved
Functional benefit
Products and services
- Asset-Based Lending Line of credit secured by business assets such as receivables, inventory, and equipment, providing flexible working capital access.
- A/R Financing Accounts receivable financing that allows businesses to leverage their outstanding invoices for immediate cash flow.
- Supply Chain Finance for Buyers SCF program enabling buyers to extend payment terms while providing suppliers earlier access to funds.
- Healthcare Receivables Financing Specialized A/R financing solutions tailored for healthcare organizations and medical practices.
- Invoice Factoring Immediate cash access by selling outstanding invoices to Paragon Financial Group at a discount.
- Freight Factoring Factoring services designed for trucking companies and freight carriers to improve cash flow.
- Payroll Funding Working capital solutions specifically designed to help businesses meet payroll obligations.
- Sales Ledger Financing Financing based on the total sales ledger, providing ongoing working capital support.
- In-Transit Financing Capital access against inventory and goods in transit to maintain supply chain continuity.
- Inventory Financing Asset-based financing using inventory as collateral to unlock working capital.
- Liquid Inventory Inventory-backed capital specifically designed for marketplace sellers, enabling liquidity from inventory assets.
- FastTrack Supply chain finance platform that optimizes invoice and payment flows for buyers and suppliers.
- Embedded Lending White-label or API-enabled lending solutions allowing technology partners to offer financing to their clients.
Quantifiable outcome
- 42,000+ clients financed
- +3 more outcomes
Companies that use Paragon Financial Group
Customer profileNamed customers6 records
Segments7 records
Ideal customer profiles5 records
Paragon Financial Group technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Paragon Financial Group partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- Turnaround ConsultantscoreProfessional firms specializing in business turnaround and restructuring that refer clients to eCapital for debtor-in-possession financing, DIP financing, and restructuring support during business recovery.
- Accountants/CPAscoreAccounting professionals who refer business clients needing working capital solutions, asset-based lending, or specialized financing to eCapital.
- Commercial Loan BrokerscoreCommercial finance brokers who arrange asset-based loans and specialty financing deals between businesses and eCapital.
- AttorneysminorLegal professionals referring clients involved in M&A transactions, business acquisitions, or restructuring matters that require financing.
- Financial SponsorscorePrivate equity firms, venture capital firms, and other financial sponsors who need financing solutions for portfolio companies or newly acquired businesses.
- BankersminorCommercial bankers referring clients who need financing beyond traditional bank capabilities or who require specialized asset-based solutions.
- Financial AdvisorsminorFinancial advisors referring business clients for working capital solutions and financing services.
- Strategic Advisory FirmsminorAdvisory firms engaged in business consulting and strategy that recommend eCapital's financing solutions to clients undergoing growth or transformation.
- Debt Advisors/Debt CounselorsminorDebt advisory professionals helping businesses restructure or refinance existing debt who refer clients for new financing facilities.
- Freight BrokerscoreFreight brokers in the transportation industry who refer carrier clients needing freight factoring or transportation financing solutions.
- Technology Partners (Embedded Lending)coreTechnology companies integrating eCapital's embedded lending platform into their products, enabling white-label financing offerings for end customers.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Paragon Financial Group competitors and assessment
Company assessmentDirect peers
- Apex Capital Corp: Apex Capital is one of the largest US freight factoring companies serving carriers and trucking fleets. Directly comparable to eCapital's freight factoring vertical, similar target customer profile, and similar partner-led distribution through freight brokers.
- BlueVine: BlueVine is a fintech lender offering invoice factoring, lines of credit, and working capital to small businesses through a digital platform. Comparable to eCapital in the invoice factoring and embedded working capital categories, though differentiated by a more SMB-skewed, pure-play digital GTM.
- Triumph Business Capital: Triumph Business Capital is one of the largest US factors providing invoice factoring, A/R financing, and asset-based lending to SMB and mid-market clients. Directly comparable to eCapital in product mix, target customer profile, and multi-channel partner-led distribution.
- TCI Business Capital: TCI Business Capital provides factoring, asset-based lending, and supply chain finance to small and mid-sized businesses across multiple industries. Closely parallels eCapital's mid-market facility sizes and vertical-agnostic, partner-driven approach.
- Porter Capital: Porter Capital is a Birmingham-based specialty finance company offering invoice factoring, A/R financing, and asset-based lending to SMBs. Comparable to eCapital on product mix, deal size range, and heavy reliance on broker/partner referral origination.
- Riviera Finance: Riviera Finance is a non-bank factor providing accounts receivable financing and factoring across multiple US regions and Canada. Overlaps directly with eCapital's invoice factoring, freight factoring, and cross-border SMB/mid-market positioning.
- Fundbox: Fundbox provides working capital and access to capital solutions for small businesses, including invoice-based advances and embedded credit. Directly comparable to eCapital's SMB working capital and embedded lending strategy.
Broad incumbents
- Wells Fargo Capital Finance: Wells Fargo Capital Finance is the asset-based lending and factoring arm of a major US bank. Provides ABL, factoring, and supply chain finance to large middle-market clients; overlaps with eCapital at the upper end of its $5M–$250M facility range.
- CIT Group / First Citizens Commercial Finance: CIT Group (now First Citizens) is a large commercial lender offering factoring, ABL, supply chain finance, and capital markets solutions. Comparable in product breadth to eCapital but at materially larger balance-sheet scale, serving larger mid-market and enterprise clients.
Emerging players
- Pipe: Pipe is a fintech platform enabling businesses to convert recurring revenue or receivables into upfront capital, increasingly embedded into SaaS workflows. Adjacent overlap with eCapital's invoice financing and embedded lending thesis, though focused on recurring SaaS revenue rather than traditional A/R.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
Paragon Financial Group social profiles
Digital presenceParagon Financial Group compliance and trust
Trust signalCompliance1 record
Paragon Financial Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Paragon Financial Group leadership team
Management profileNumber of profiles
Profiles2 records
Paragon Financial Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Paragon Financial Group 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 Paragon Financial Group
What does Paragon Financial Group do?
Paragon Financial Group operates as a specialty finance platform providing asset-based lending, accounts receivable financing, supply chain finance, and factoring services to small and mid-sized businesses. Facility sizes range from $5 million to $250 million, with financing delivered through a digital-first platform supporting 24/7 access and same-day funding across North America and the U.K.
Is Paragon Financial Group a public or private company?
Paragon Financial Group is a private company. It is classified as unknown and is currently operating.
When was Paragon Financial Group founded?
Paragon Financial Group was founded in 2004. It employs 11 to 50 people.
Where is Paragon Financial Group based?
Paragon Financial Group is headquartered in Fort Lauderdale, United States, in the North America region.
How does Paragon Financial Group make money?
Nine revenue lines are on record. Asset-based Lending is the primary driver. The others are A/R Financing, supply Chain Finance, invoice Factoring, freight Factoring, payroll Funding, inventory Financing, healthcare Receivables Financing and acquisition Financing.
Who are Paragon Financial Group's main competitors?
Direct peers on record are Apex Capital Corp, BlueVine, Triumph Business Capital, TCI Business Capital, Porter Capital, Riviera Finance and Fundbox. Broad incumbents are Wells Fargo Capital Finance and CIT Group / First Citizens Commercial Finance. Pipe is listed as an emerging player.
Does Paragon Financial Group have an API?
No public API is recorded for Paragon Financial Group.
What industry is Paragon Financial Group in?
Paragon Financial Group's product category is Specialty Finance. Its primary akta.pro industry code is FSAEAEAO, Invoice Factoring & Receivables Finance Brokerage, with a secondary code of FSAKAGAA, Microloans & Working Capital Loans. Its NAICS code is 52 and its SIC code is 6153.