Is eCapital a direct funder or a broker?

eCapital is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.

What's the minimum revenue eCapital will fund?

eCapital's published floor is $50,000 in factorable AR in average monthly revenue, with 6 months minimum time in business. Credit score floor is Any (shipper-focused underwriting). These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can eCapital fund?

eCapital's public speed quote is Same-day to next-day funding. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.

Should I go directly to eCapital or through a broker?

Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including eCapital, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.

eCapital Review 2026 — Rates, Terms, Honest Verdict

Best for: Cross-industry invoice factoring at scale. Amount range: $50,000 – $50,000,000+. Speed: Same-day to next-day funding. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

eCapital ranks #52 in our 2026 funder ranking. Best for mid-market businesses ($500k+ annual revenue) in staffing, manufacturing, distribution, healthcare needing scalable invoice factoring. The strength: Largest non-trucking-specialty factoring company in North America after acquisition spree (2020-2024). The watch-out: Higher minimums ($50K+/mo AR) exclude smaller operators.

eCapital rate card 2026

Category	Specialty vertical
Best for	Cross-industry invoice factoring at scale
Amount range	$50,000 – $50,000,000+
Cost (factor / APR)	1 – 3% per invoice
Speed to fund	Same-day to next-day funding
Min time in business	6 months
Min monthly revenue	$50,000 in factorable AR
Min credit score	Any (shipper-focused underwriting)

The strength — what eCapital does better than anyone

Largest non-trucking-specialty factoring company in North America after acquisition spree (2020-2024). Industries: staffing, manufacturing, distribution, trucking, healthcare. Up to $50M monthly factoring lines for mid-market.

The watch-out — what eCapital doesn't put in marketing

Higher minimums ($50K+/mo AR) exclude smaller operators. Contract terms more rigid than smaller factors. Sales process longer than trucking-specialty competitors.

Who eCapital is best for

Mid-market businesses ($500K+ annual revenue) in staffing, manufacturing, distribution, healthcare needing scalable invoice factoring.

Who shouldn't apply

Merchants ranking solidly above eCapital's box may want to apply to OnDeck or Credibly first for cheaper money. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from eCapital actually makes sense.

How eCapital compares to the rest of the top 10

Funder	Category	Cost	Speed
eCapital (this funder)	Specialty vertical	1 – 3% per invoice	Same-day to next-day funding
Credibly	MCA + multi-product	Factor 1.11+ (MCA); APR varies for term + LOC	As fast as 4 hours
Greenbox Capital	Multi-product	Factor varies; published up to 19% ISO commission	24 – 48 hours
Accord Business Funding	MCA specialty	Factor varies by paper grade (often 1.40+)	Next-day for approved files
Bluevine	LOC	APR 6.2% – 27%	1 – 3 business days
OnDeck	Term + LOC	Term APR 27%+; LOC APR 30%+	Same-day for approved files

What to ask eCapital before signing

"What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
"Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
"What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
"Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.

Frequently asked questions

Is eCapital a direct funder or a broker?: eCapital is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
What's the minimum revenue eCapital will fund?: eCapital's published floor is $50,000 in factorable AR in average monthly revenue, with 6 months minimum time in business. Credit score floor is Any (shipper-focused underwriting). These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can eCapital fund?: eCapital's public speed quote is Same-day to next-day funding. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
Should I go directly to eCapital or through a broker?: Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including eCapital, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
What's eCapital's biggest weakness vs alternatives?: Higher minimums ($50K+/mo AR) exclude smaller operators. Contract terms more rigid than smaller factors. Sales process longer than trucking-specialty competitors.

eCapital — honest 2026 review.