Best for same-day funding·Updated July 18, 2026
eCapital Review 2026
Best for same-day funding on large invoices and enterprise facilities
4.3out of 5
eCapital Corp, built by rollup from Pavestone and Accutrac· Legal entity
2006, rollup consolidation through 2020s· Founded
Up to 90 percent, 95 percent trucking· Advance rate
1 to 5 percent per 30 days· Factor fee
Same-day once live· Funding speed
$30M per invoice, facilities into hundreds of millions· Maximum invoice
Large-invoice and enterprise-scale factoring· Specialty
Written byEliot Reynolds
Business Formation Researcher
Our Verdict
4.3
Based on our independent review
Ease of Use
0.0/5
Pricing & Value
0.0/5
Features & Add-ons
0.0/5
Customer Support
0.0/5
Same day
0.0/5
Pricing Transparency
0.0/5
Privacy & Data
0.0/5
Best For: Transportation, staffing, and distribution companies that need genuine same-day turnaround on invoices above $100K and want the option to grow into a multi-million-dollar facility.
Top Advantages
- Same-day funding after approval on verified invoices
- Single invoice advances up to $30M
- eCapital Connect mobile app for trucking clients
1 to 5% per 30 days
In This Article
eCapital Overview
eCapital is a rollup-built factor that consolidated Pavestone Capital, Accutrac, and several other regional factors into a multi-industry platform founded in 2006. The differentiator in the 10-name roster is invoice size. eCapital funds up to $30M per invoice, the highest single-invoice ceiling in the category, and funds same-day after approval. For a business with a handful of very large receivables from investment-grade customers, the economics are different from everyone else on the list.
Pricing runs 1 to 5 percent per 30 days with advance rates up to 90 percent. Industries covered are transportation (the largest book), staffing, manufacturing, distribution, and wholesale. Contract length is typically 12 months. Recourse is standard with non-recourse available on stronger receivables.
eCapital is the pick if you have individual invoices above $1M or need enterprise-scale facility capacity. It is not the pick if you have a book of small invoices under $25,000 each, where altLINE or Universal Funding will price sharper. The rollup heritage means eCapital's operational consistency varies by line of business. The transportation book (inherited from the Accutrac acquisition) is mature. Non-transportation lines are less consistent, so volume pricing and service quality are worth asking about specifically.
eCapital Pricing Plans
Standard factoring
Most Popular1 to 5%per 30 days
Fee grades on customer credit, volume, and payment terms
- Up to 90% advance rate
- Same-day funding once live
- Up to $30M per invoice
- Recourse standard, non-recourse available
- Multi-industry capable
Transportation facility
1.5 to 3.5%per 30 days
Trucking-specific pricing and operational stack
- Up to 95% advance on freight
- eCapital Connect mobile app
- Broker credit checks included
- Fuel card available
- Load board integrations
Enterprise facility
Customper facility
Pricing is negotiated based on volume and customer quality
- Multi-hundred million dollar facilities
- Dedicated relationship manager
- Custom AR workflow integration
- Asset-based lending upgrade path
- International receivables available
eCapital Pros and Cons
Pros
- Same-day funding after approval on verified invoices
- Single invoice advances up to $30M
- eCapital Connect mobile app for trucking clients
- Both recourse and non-recourse options
- Strong in transportation and staffing
Cons
- 12-month contract is standard
- Fee can reach 5% on marginal customers
- Setup fees occasionally disclosed late in the process
- Customer service complaints about post-acquisition servicing transitions
Built by rollup, 2006 forward
eCapital was founded in 2006 and grew by acquisition. Pavestone Capital and Accutrac were two of the larger buys. The rollup strategy assembled a multi-industry factoring platform with a particularly deep transportation book inherited from Accutrac. Today eCapital sits in the top tier of US factors by facility size and is one of the few names in the category that can underwrite $10M-plus single invoices.
The rollup heritage cuts both ways. The upside is operational scale and specialty depth in the acquired lines. The downside is inconsistency across lines. The transportation book is mature. The staffing book is newer, the manufacturing book is somewhere in between. Ask for references in your specific industry before signing.
Invoice ceiling and facility size
eCapital funds up to $30M on a single invoice, which is the highest ceiling in the 10-name roster. Porter Capital tops out at $25M facility. Scale Funding at $30M facility. Universal Funding at $20M. altLINE at $5M. For a business with one or two very large customers on 60-day terms, the eCapital ceiling means a single invoice can be factored without tranching.
Facility sizes go into the hundreds of millions for enterprise clients. This is not the right factor for a business factoring $10,000 per month. The underwriting overhead and the operational setup assume mid-market or larger volume.
Pricing
Factor fee runs 1 to 5 percent per 30 days. The wide range reflects the customer mix. Investment-grade receivables from Fortune 1000 customers on 30-day terms price near the floor at 1 percent, a 12.2 percent annualized rate. Weaker receivables with 60 to 90 day terms price closer to the ceiling at 3 to 5 percent, which at 60 days works out to a 9 to 15 percent per 60-day fee or 54 to 90 percent APR equivalent.
Advance rate is up to 90 percent. Trucking advances push to 95 percent on standardized freight receivables. First funding is typically 3 to 5 business days after application, customer credit review, and AR aging analysis clear.
Same-day funding
Once the facility is live, same-day funding on approved invoices is the standard. This is tied to the eCapital Connect mobile app for trucking and to direct portal submissions for non-trucking lines. Same-day funding on large invoices is operationally harder than on $5,000 loads because wire transfers and approval chains involve more checkpoints, but eCapital handles this well on the transportation book.
For trucking specifically, the eCapital Connect app rivals what RTS Pro and TriumphPay offer for load submission and broker credit checks. Fuel card integration is available but discounts are smaller than RTS, in the $0.05 to $0.20 per gallon range.
Non-recourse and credit protection
Recourse is the default contract. Non-recourse is available on stronger receivables and typically adds 25 to 75 basis points to the fee. Non-recourse at eCapital covers customer insolvency, which means bankruptcy or verified inability to pay. It does not cover disputes, quality issues, or slow-paying customers. This is the standard carve-out across all non-recourse factoring and the language is worth reading carefully in the contract.
For a business with one or two customers representing 30-plus percent of receivables, non-recourse on those specific customers is worth the premium. For diversified AR with no single concentration over 10 percent, the cost of non-recourse often exceeds the expected bad debt, and recourse is the more economical structure.
Industry fit
Transportation is the strongest line, inherited operational machinery from Accutrac. Staffing is competitive but not differentiated. Manufacturing and distribution are served on standard commercial terms. Wholesale and oil and gas are accepted on case-by-case underwriting.
Construction is not a strong fit at eCapital. Progress billing and retainage underwriting is weaker than 1st Commercial Credit. Healthcare receivables are not a focus. For those specialty niches, use the specialty factors rather than eCapital.
Customer sentiment
NerdWallet and LendingTree both include eCapital in 2026 best-of lists. Trustpilot footprint is mixed with ratings in the 3.5 to 4.0 range depending on the subsidiary brand being reviewed, which is a function of the rollup structure. BBB rating is A+. Reddit threads surface eCapital for large-facility clients more often than for owner-operators.
The pattern in user feedback. Operations are good once you are past onboarding. Onboarding is slower than smaller factors because the enterprise underwriting process is heavier. Customer service varies by the inherited brand handling your file, which is a rollup-era quirk that has not fully homogenized.
Who should pick eCapital
Pick eCapital if you have individual invoices in the $1M to $30M range. Pick eCapital if you are trucking and want a technology-forward alternative to RTS or Triumph with same-day funding. Pick eCapital if you need an enterprise-scale facility in the tens or hundreds of millions.
Skip eCapital if your invoices are small (under $25,000 each) where altLINE or Universal Funding will price sharper. Skip eCapital for construction (use 1st Commercial Credit). Skip eCapital if you want the cheapest possible rate on a $100k per month book. The enterprise overhead is not free and shows up in the fees at smaller volumes.
eCapital vs. Top Competitors
| Service | Learn More | ||||
|---|---|---|---|---|---|
eCapital Best for same-day funding 1 to 5% per 30 days 4.3 | 1 to 5% per 30 days | N/A | 4.3 | Transportation, staffing, and distribution companies that need genuine same-day turnaround on invoices above $100K and want the option to grow into a multi-million-dollar facility. | Current Review |
 altLINE Factor rate from 0.5% 3.8 | Factor rate from 0.5% | $16,825 | 3.8 | Lowest fees with bank-backed stability | |
 Scale Funding 1 to 4% per 30 days 3.8 | 1 to 4% per 30 days | 1 to 4% per 30 days | 3.8 | Month-to-month contracts without annual lock-in | |
 Porter Capital 1 to 5% per 30 days 3.7 | 1 to 5% per 30 days | 1 to 5% per 30 days | 3.7 | Factoring with a graduation path to asset-based lending | |
 Universal Funding 0.55 to 2% per 30 days 4.1 | 0.55 to 2% per 30 days | 0.55 to 2% per 30 days | 4.1 | Large facilities up to $20M and confidential non-notification factoring |
Final Verdict
4.3 / 5
eCapital is the large-invoice and enterprise-facility pick. Up to $30M per invoice, same-day funding, 1 to 5 percent per 30 days, up to 90 percent advance. Rollup-built with strongest operations in transportation. Overkill for small invoices under $25k where altLINE is sharper.
Visit eCapital
By Eliot Reynolds, Business Formation Researcher
Frequently Asked Questions
1 to 5 percent per 30 days with up to 90 percent advance on the invoice. On a $500,000 invoice at 1.5 percent for 30 days, the fee is $7,500, an 18.3 percent annualized rate. On a $10,000 trucking invoice at 2.5 percent, the fee is $250. The fee depends on customer credit, payment terms, and volume.
Up to $30M on a single invoice, which is the highest ceiling in the 10-name factoring roster. Facilities scale into the hundreds of millions for enterprise clients. For a business with one or two very large customers on 60-day terms, this ceiling often matters more than the rate.
Same day on verified invoices once the facility is live. First funding takes 3 to 5 business days for application, customer credit review, and AR aging analysis to clear. For trucking, loads submitted through the eCapital Connect app typically fund same-day before daily cutoff.
Yes, on stronger receivables. Non-recourse adds 25 to 75 basis points to the base fee and covers customer insolvency only. Disputes, quality issues, and slow payment are not covered. For concentrated AR with a few large customers, non-recourse on those specific customers is usually worth the premium.
Not really. The enterprise overhead shows up in fees at smaller invoice sizes. For a business factoring invoices under $25,000 each, altLINE, Universal Funding, or Scale Funding will typically price better. eCapital is built for large-invoice and enterprise-facility clients.
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About the Author
Business Formation Researcher
Eliot leads StartupOwl's state data research. He maintains the site's fifty state records of LLC filing fees, annual costs, processing times, and small business grant programs, checking each figure against the state office that publishes it and logging the date it was verified. Based in New Jersey, he has spent his working life in and around small businesses, and he writes for the founder who wants the real number rather than the advertised one. Every figure under his byline traces to a named source, and when a state proves a number wrong, the correction is published, not buried.
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