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Author Archive for: ben.girdner

7 Smart Tax Time Strategies for Small Businesses

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7 Smart Tax Time Strategies for Small Businesses

The tax deadline is right around the corner, and there are several things small business owners can do to not only meet the tax deadline, but avoid a visit from said taxman. I recently came across a great article in the Open Forum at American Express titled The Ultimate Small-Business Tax…

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8 Tried and True Time Management & Productivity Tips for Small Business Owners

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8 Tried and True Time Management & Productivity Tips for Small Business Owners

If you’re a small business owner, it’s easy to see why you’d sometimes feel a bit overwhelmed. You may have some employees helping in finance, sales, marketing or operations, but at the end of the day they report to you. You likely sign the checks, sign off on the sales and marketing plan,…

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Small Business Tips and Considerations for a Healthy 2016

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Small Business Tips and Considerations for a Healthy 2016

The beginning of a New Year brings with it a fresh start, which usually is accompanied by resolutions, new ideas, predictions, and other nuances that can help people and businesses re-energize. A quick Google search returns countless lists that can provide numerous ideas to small business…

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6 Ways to Find More Loads for your Trucking Business

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6 Ways to Find More Loads for your Trucking Business

For any small business owner, time is money. For a trucking company, miles are money too. Whether you’re an owner-operator or a fleet owner, you need to keep rolling for you to get paid, and that means finding contracts and loads. Here are 6 places to look. Freight Brokers. Freight brokers…

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5 New Business Smartphone Apps Every Business Owner Should Download Immediately

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5 New Business Smartphone Apps Every Business Owner Should Download Immediately

As a small business owner, you’re responsible for a lot. Your daily task list is always full, and it can sometimes be tough to manage your day. So we thought we’d gather our favorite new apps that make our lives easier and help us better manage our day-to-day tasks. Our advice? Drop…

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eCapital Featured in Idea Café

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eCapital Featured in Idea Café

The Idea Café asked us to write an article on cash flow for their small business readers. We jumped on the opportunity and wrote a piece about thriving in a world where a strong cash flow is mandatory for business growth. With over 20 years in the business and over $4 billion funded, you can…

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4 Reasons Savvy Business Owners Are Choosing Alternative Financing

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4 Reasons Savvy Business Owners Are Choosing Alternative Financing

Ever since the recession of 2008, banks have battened down the hatches on offering traditional loans to small business. In an already difficult economy, being declined for a bank loan put many small businesses in precarious positions. Where else can you go for funding to keep your cash flow…

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Top 4 Ways to Avoid a Bank Loan for Your Business

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Top 4 Ways to Avoid a Bank Loan for Your Business

Have you ever tried to secure a bank loan for a business? If so, you know how much of a hassle the approval process can be. The hoops you’re forced to jump through are invasive and take forever. Not only that, after you’ve gone through this long, drawn-out process, your request for a…

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Payroll 101 for Small Business Owners

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Payroll 101 for Small Business Owners

Hiring an employee, even a team of employees, is exciting for your business. As an employer, it’s important to be aware of your new responsibilities. In this article, we identify the key steps when hiring a new employee, including setting up payroll and the necessary tax withholdings. Step…

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How to Finance Small Business Growth

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How to Finance Small Business Growth

Small business owners and founders will all tell you; there’s getting a business off the ground and then there is growing it. For most businesses, growth takes capital and that’s not always easy to come by. In some businesses, there’s a need for capital equipment (trucks for the…

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Top 10 Ways to Save on Fuel Costs

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Top 10 Ways to Save on Fuel Costs

Fuel is the largest operating expense in the trucking industry. A typical commercial truck will use 20,500 gallons of fuel and can easily consume more than $70,000 of diesel fuel per year. With diesel prices on the rise and no major price drops forecasted, its imperative to maximize efficiencies…

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6 Simple Tips for Improving Cash Flow

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6 Simple Tips for Improving Cash Flow

Managing finances and ensuring the profitability of your company are usually the top priorities you face as a business owner. Sometimes it can prove to be a real challenge when you’re balancing all the aspects of your business. Continue reading to find 5 simple tips to help improve your…

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10 Lessons For Running A Better Business From Popular TV Shows

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10 Lessons For Running A Better Business From Popular TV Shows

TV shows are great at illustrating themes of real life; inspiring heroes and leaders, tales of success and hard work paying off, and the overarching theme of accomplishing more as a team. The next time you tune in to your favorite show, don’t miss the opportunity to learn from the characters…

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8 Apps Every Small Business should be Using

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8 Apps Every Small Business should be Using

We don’t have to tell you that competition is fierce. Not only are you faced with keeping your name top of mind with prospects and customers, but you also need to out-think and out-execute some of the biggest companies in the world to win consistent business. As a result of these David vs….

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7 Smartphone Apps to Improve Truck Driver Health and Fleet Productivity

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7 Smartphone Apps to Improve Truck Driver Health and Fleet Productivity

Most (if not all) truck drivers today travel with a smartphone or tablet in their cab. It’s become a vital planning tool that can help improve productivity while saving time and money – something all fleet owners are looking to capitalize on. With so many apps out there, we wanted to…

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How To Write A Successful Business Plan

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How To Write A Successful Business Plan

“He who fails to plan is planning to fail.” – Winston Churchill By having a solid business plan in place, you’ll plan for your company’s success. A business plan is a tool for understanding how your business is put together. It monitors progress, holds you accountable, and…

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How to Find a Great Online Load Matching Service

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How to Find a Great Online Load Matching Service

If you’re a truck owner-operator, finding loads is one of your main priorities. It’s imperative to increase your loaded miles in order to maximize your profits and mileage. A great way to find loads is by utilizing online freight-matching services or load boards. There are dozens of…

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6 Reasons Successful Trucking Companies use Invoice Factoring

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6 Reasons Successful Trucking Companies use Invoice Factoring

When you start a transportation company, a strong cash flow is just as critical to your business success as your trusty semi truck. As you may know, freight factoring can be an ideal financing option for a trucking company. Unlike the lengthy process of securing bank loans after deep dives…

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The Most Common Trucking Fraud Schemes and How to Avoid Them

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The Most Common Trucking Fraud Schemes and How to Avoid Them

The providers of the eCapital Fuel Card, EFS, or Electronic Funds Source, recently came out with some fraud tactics and helpful prevention tips to take before issuing an EFS MoneyCode over the phone. While we don’t like hearing about these types of fraudsters preying on our clients, we do…

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4 Freight Factoring Questions Answered

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4 Freight Factoring Questions Answered

We factor a lot of freight invoices for transportation companies and truckers and therefore get a lot of good questions thrown our way. Here are four of the most common questions we hear regarding freight factoring: Why would a company want to use freight factoring? Freight factoring is an…

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10 Business Books You Need to Read Right Now

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10 Business Books You Need to Read Right Now

The right books can make a big difference in your life.  They can inspire and influence your business.  Without knowing what to choose from, many new entrepreneurs feel overwhelmed when faced with the selection of written materials that they find in a bookstore.  That’s why it helps when a…

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When Money is Tight Consider Freight Factoring

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When Money is Tight Consider Freight Factoring

An article that appeared earlier this year at Team Run Smart titled Avoiding Stress When Money is Tight examined several ways truck drivers, owner-operators, and fleet business owners can make it through times when there just doesn’t seem to be enough money available. Most of us have been…

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5 Ways Trucking Companies Can Access Cash for Growth

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5 Ways Trucking Companies Can Access Cash for Growth

There are a few truths to owning a trucking business that many people don’t fully comprehend – unless of course you’re a trucking business owner. The adage ‘it takes money to make money’ is one that immediately comes to mind. You land a great customer. It’s your biggest opportunity…

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Freight Factoring Solutions – Improving Cash Flow for Driver Incentives and Retention

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Freight Factoring Solutions – Improving Cash Flow for Driver Incentives and Retention

The American Trucking Association just released some interesting data on the trucking industry that points to some positive performance and economic trends. Here are some highlights from their release: In 2014, trucks moved 9.96 billion tons, or 68.8%, of all domestic freight The $700.4…

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8 Time Saving Tips Small Businesses Swear By

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8 Time Saving Tips Small Businesses Swear By

We get that running a small business is no easy task. As a small business owner, you wear so many hats and have so much on your plate that it can sometimes be difficult to prioritize and get things done. However, there are plenty of tried-and-true ways that can help you make the most of your…

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4 Things you can do Today to Grow Your Trucking or Transportation Business

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4 Things you can do Today to Grow Your Trucking or Transportation Business

If you’re the owner of a small trucking business, you know it’s tough to compete with larger fleets. The obvious advantage of more trucks often means that they can offer more aggressive pricing, hire drivers more quickly, get better discounts from their suppliers, and generally leverage…

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We’re Famous! eCapital Featured in Wells Fargo Ad

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We’re Famous! eCapital Featured in Wells Fargo Ad

A couple months ago our banking partners of over 10 years, Wells Fargo, approached us and asked if we wanted to be in one of their ads. After blushing and doing a little internal happy dance, we of course accepted! We got the model treatment for a day when the Wells Fargo’s marketing team flew…

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eCapital Picked Up in Small Biz Daily

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eCapital Picked Up in Small Biz Daily

Check out or latest article in Small Biz Daily! Savvy business owners are turning to alternative forms of financing where they can use their own working capital to fund growth. Our very own Jeff Bell wrote a great article titled Don’t Let Poor Cash Flow Kill Your Business, where he…

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New Article Posted on AllBusiness

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New Article Posted on AllBusiness

eCapital was recently picked up in AllBusiness Experts, an online blog that delivers small business advice. In this article, read how to help revive your business cash flow with accounts receivable financing. It’s more common than you may think- Savvy small business owners are using this form…

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eCapital Featured in CEO Blog Nation

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eCapital Featured in CEO Blog Nation

One of our articles got picked up in CEO Blog Nation– Check it out here! CEO Blog Nation turned to us to write an article on cash flow management that their readers can apply to their small businesses. We wrote a piece titled “Is Cash Flow Killing Your Business?” It gives…

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Three Common Invoice Factoring Questions Answered

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Three Common Invoice Factoring Questions Answered

Invoice factoring may be a relatively new concept to some, but it’s actually been around for centuries as a financial practice. It’s used quite frequently in the transportation and trucking industry, and often referred there as freight factoring, but it’s gaining popularity across…

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Introducing the eCapital Marketplace

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Introducing the eCapital Marketplace

At eCapital, we’re always looking for ways to help our clients and their businesses. We understand that it takes more than a strong cash flow for a company to grow their business. That’s why we are thrilled to introduce our new eCapital Marketplace! In addition to our low cost invoice…

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2015 May Signal a Banner Year for Freight Factoring

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2015 May Signal a Banner Year for Freight Factoring

2015 is shaping up to be a great year for the transportation industry. As the year gets under way, we headed over to a recent Transport Topics article that was laden with optimistic predictions that we couldn’t help share with our readers. Here are some worth noting: Nearly half of…

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Top 10 Apps for Owner-Operators

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Top 10 Apps for Owner-Operators

Do you carry a smart phone or tablet with you on the road? There are several apps on the market that can truly help with planning, productivity, and budgets, but with so many to choose from, it may be difficult to find ones that are most useful. We’ve developed a list of 10 essential apps…

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5 Free Smartphone Apps for Truckers

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5 Free Smartphone Apps for Truckers

Back in June, I posted the top 10 Smartphone apps for truckers to use while on the road. Those apps listed are still great and relevant, but there are some new apps in the marketplace that help truck drivers get where they need to be. Not only are these apps helpful to the trucker who…

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Year-End Checklist: 5 Things to do before the New Year

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Year-End Checklist: 5 Things to do before the New Year

As 2014 makes its way into the books, it’s a great time for small business owners to think about wrapping up the year. There are some things that you should be thinking about now to make the transition into 2015 smoother. Not only will these things make your tax preparations easier, they could…

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eCapital Featured in E&P Magazine!

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eCapital Featured in E&P Magazine!

Check us out in E&P Magazine – we wrote an article that shows how working capital can help oilfield companies survive boomtown economics. Click here to read it! E&P Magazine asked us for an article on factoring to help show their readers how this form of alternative financing can…

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3 Reasons Your Customers Will Like Invoice Factoring

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3 Reasons Your Customers Will Like Invoice Factoring

Companies of all sizes use invoice factoring (AKA accounts receivable financing) to get the capital they need to grow their businesses. Not only has invoice factoring been around for a while, there are numerous benefits to utilizing it, like: No debt created with invoice factoring Start-up and…

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3 Reasons Why Tire Pressure is Vital to Your Trucking Company’s Success (And a Solution that Makes Sense)

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3 Reasons Why Tire Pressure is Vital to Your Trucking Company’s Success (And a Solution that Makes Sense)

Tire pressure. For a truck driver or fleet owner, tire pressure is a critical variable of the business. From fuel efficiency and safety to your company’s bottom line, tire pressure impacts a wide range of attributes that touch many areas of your operation. Here are three compelling reasons why…

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Five Tools That Take the Tediousness Out of Today’s Workload

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Five Tools That Take the Tediousness Out of Today’s Workload

There are some work-related tasks that are a real pain to do.  Rather than focus our time, energy, and skills on something beneficial, we’re occupied by the mundane because we haven’t developed a better system of doing them.  As business owners, it’s our responsibility to make sure that…

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When Small Business Growth Spells Trouble – 6 Ways to Improve Cash Flow

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When Small Business Growth Spells Trouble – 6 Ways to Improve Cash Flow

If you’re a sole proprietor or in a partnership with one other business owner then improving cash flow may not be huge concern for you. Chances are when cash is in hand you pay yourself. You likely don’t have an office lease to worry about, you don’t have employees that require set payroll…

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New eBook Available – The Small Business Owner’s Guide to Managing Money, Time and Talent

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New eBook Available – The Small Business Owner’s Guide to Managing Money, Time and Talent

Stop the presses! This just in… eCapital is excited to announce that we have a new eBook available that is chock full of fantastic tips, tools, and advice for the small business owner. It covers three key areas that are vital to a small businesses success, including managing money and cash…

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Shoestring Marketing Techniques That the Pros Have Used to Build Business

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Shoestring Marketing Techniques That the Pros Have Used to Build Business

Let’s face it.  Starting a business is hard work and there are a number of costs involved in getting it up and running.  Without some type of guidance, it can be very easy to become overwhelmed by the process.  Trying to balance books and justify costs will be a large part of your financial…

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What is Factoring?

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What is Factoring?

Companies of all types and sizes are discovering factoring and using it as their cash flow secret sauce. So what exactly is factoring, and how can it help your business? It’s a common question among small B2B businesses that we hear every day. In a nutshell, factoring (also known as invoice…

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Five Ways to Find the Best Employees for Your Small Business

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Five Ways to Find the Best Employees for Your Small Business

Your employees say a lot about your business.  Often the first people your customers encounter, they have the ability to shape the public opinion about your company.  Hire the right employees and your customers will be grateful.  Choose to ignore the bad employees and your business will…

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Small Business Truth #2 – The Customer is Always Right: 5 Tips for Improving Customer Retention

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Small Business Truth #2 – The Customer is Always Right: 5 Tips for Improving Customer Retention

We’ve all heard this saying… the customer is always right. While at times it may literally be true, in reality it is always true. Customers are the lifeblood of a small business. Many businesses in fact need all of their customers to meet their financial obligations. One lost customer can…

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A Pot of Gold, a Four Leaf Clover, and Five Simple Tips for Managing Cash Flow

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A Pot of Gold, a Four Leaf Clover, and Five Simple Tips for Managing Cash Flow

Saint Patrick’s Day, or the Feast of Saint Patrick, is both a cultural and religious holiday that marks the death of patron saint of Ireland – Saint Patrick. While many in the United States – with or without an Irish background – use the day to wear green, drink a bit more than they…

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Small Business Truth #1: It Takes Money to Make Money

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Small Business Truth #1: It Takes Money to Make Money

Did you know that according to the Small Business Administration the 23 million small businesses in the United States account for 54 percent of all sales? How about the fact that small businesses provide 55 percent of all jobs and 66 percent of all net new jobs since the 1970s? Those are pretty…

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4 Free Whitepaper Downloads Small Businesses will Love

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4 Free Whitepaper Downloads Small Businesses will Love

Small business owners face several challenges daily. It can sometimes be time consuming and overwhelming to search for simple business advice to help alleviate some of those challenges. Instead of scouring the Internet and sifting through loads of tedious and less-than-informative whitepapers,…

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Client Spotlight – "Why We Factor our Invoices"

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Client Spotlight – "Why We Factor our Invoices"

We understand that companies use invoice factoring for different reasons. Some may want to improve their cash flow so they can hire more employees. Some want to be able to meet each payroll. Whatever the reason, many businesses are finding invoice factoring to be a great addition to their…

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6 Ways to Make your Small Business Stand Out

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6 Ways to Make your Small Business Stand Out

Whether you’re a one-person shop or have several people running your small business, there are certain things you need in order to make your company stand out from the competition. These items bring credibility to your operation while helping to differentiate you company from many of your…

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Get our New eBook on the Best Business Financial Strategies

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Get our New eBook on the Best Business Financial Strategies

As we settle into 2014, there are many reasons for small and medium size businesses to be optimistic. The economy is improving and unemployment is down, and while there are (and likely always will be) challenges, many businesses are experiencing growth. And you can too! eCapital has recently…

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5 Ways Transportation Factoring Can Help Boost Your Bottom Line

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5 Ways Transportation Factoring Can Help Boost Your Bottom Line

Small business transportation owners are going to continue to look for ways to boost their bottom line. The Commercial Carrier Journal recently published some findings from the American Trucking Associations’ Management Conference and Exhibition on the economic and growth forecast for truckers…

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eCapital Unifies Diverse Invoice Factoring Services Under Single Modern Brand

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eCapital Unifies Diverse Invoice Factoring Services Under Single Modern Brand

The new eCapital brand launched today, uniting the diverse accounts receivable factoring services of Freight Capital, Oil Capital USA and Staffing Capital. Now operating as a single strategic entity, eCapital is a leading nationwide provider of cash flow though accounts receivable factoring,…

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Why Factoring Can Be the Secret to Your Success

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Why Factoring Can Be the Secret to Your Success

When most people hear the term “factoring,” they immediately associate it with a mathematical practice. But did you know factoring is also an effective business financial solution that gives companies fast cash for their invoices? Factoring is a relatively simple process that delivers the…

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Why Factoring Can Be Better Than a Bank Loan

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Why Factoring Can Be Better Than a Bank Loan

Are you in need of more cash for your business? Are you thinking of getting a bank loan in order to get upfront funds? Before you drop by a bank branch and explore the idea of a traditional bank loan, consider a lesser-known way of gaining upfront cash: freight factoring (also known as invoice…

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What is Freight Factoring?

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What is Freight Factoring?

Factoring is simply a cash flow solution that turns your invoices into quick cash. It is extremely common to use factoring services in the freight industry, as companies are then able to use the advanced funds for fuel needs and overhead business costs instead of having to wait 30, 60 or even 90…

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Trucking Types

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Trucking Types

Are you just breaking into the trucking industry? With so many trucking types and jobs to choose from, it may be difficult to choose what’s right for you. In this blog, we’ll explore some options and break down the common types of trucking jobs that are available. The common trucking types…

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Top 10 Most Frequently Asked Questions Regarding Invoice Factoring

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Top 10 Most Frequently Asked Questions Regarding Invoice Factoring

Invoice factoring is simply a cash flow solution that turns invoices into quick cash without adding any additional debt. Common in several industries, invoice factoring allows companies to use the cash to pay for upfront costs, rather than waiting 30, 60, or even 90 days for a payment. Many…

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Top 8 Ways Invoice Factoring Can Help Your Business Succeed

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Top 8 Ways Invoice Factoring Can Help Your Business Succeed

Business owners have so many things to deal with on a daily basis, including ensuring their business is lucrative and thriving. A strong cash flow is a huge contributor to business success, and invoice factoring can be a great way to access the working capital needed to grow a business. Invoice…

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Top 5 Tips to Consider when Choosing a Freight Factoring Company

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Top 5 Tips to Consider when Choosing a Freight Factoring Company

Do you know how factoring your invoices can help your business? Simply put, factoring is a process where a company purchases your invoices then pays you a percentage of that invoice quickly, allowing you to use the advanced funds to meet your fuel demands or other overhead business expenses….

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The History of Factoring

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The History of Factoring

Since Mesopotamian times, savvy merchants were trying to find ways to acquire the funds they needed to continue producing their goods. Fast forward about 2400+ years, and their idea is still going strong in the way of factoring. Factoring is a financial practice that many companies use to gain…

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Common Freight Factoring Terms Defined

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Common Freight Factoring Terms Defined

If you’re new to factoring, you might come across terms that you’re not familiar with. It’s important that your factoring company explains how factoring works and what each term means. To make it easier to understand the process, we’ve pulled together a list of common factoring terms and…

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Accounts Receivable Financing: The Quick Solution to Monetary Crunches

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Accounts Receivable Financing: The Quick Solution to Monetary Crunches

Accounts receivable financing is an alternative financing source that allows businesses to get an advance on receivables by selling their invoices to a factoring company. This alternative financing method allows companies to receive instant working capital within 24 hours, minus a small service…

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6 Things You Can Do Now to Boost Your Company’s Profitability

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6 Things You Can Do Now to Boost Your Company’s Profitability

Are you looking for quick ways to increase your company’s revenue? It’s common to think that in order to make more money, you need to sell more. While increasing sales is definitely a smart long-term strategy, you do have other options to quickly boost your bottom line. Here are 6 simple…

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5 Common Mistakes Small Businesses Make

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5 Common Mistakes Small Businesses Make

When building a business, it’s easy to fall into financial traps that end up putting you in a whirlwind of debt, obstacles, and frustration. However, with the proper planning and a few key tips, those traps are easy to avoid. Read on to get the top 5 financial mistakes you don’t want to…

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Accounts Receivable Financing can help your Business Grow in Tough Times

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Accounts Receivable Financing can help your Business Grow in Tough Times

Accounts receivable financing (aka invoice factoring) offers businesses with a critical growth strategy. This process includes the sale of your outstanding accounts receivables to a factoring firm. In addition to being an instant source of money, invoice factoring also takes away the burden of…

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