All Finance Posts

Blog
04.20.22

Don’t Let EBITDA Get You Down

EBITDA is an acronym of great importance if you’re a small business owner with a commercial business loan. It stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is…
Blog
03.01.22

How Asset-Based Lending Can Improve Cash Flow During Seasonal Off-Cycles

Asset-based lending works well for all sorts of companies that are growing quickly, but if you own a business that experiences seasonal fluctuations, this loan option can be especially beneficial.…
Blog
03.01.22

Why Asset-Based Lending is a Perfect Solution for the Canadian Market

To discover the unique challenges and opportunities business owners face when seeking business lending options in Canada, we interviewed Karim Habib, eCapital’s Managing Director of Business Lending. Karim was frank…
Blog
03.01.22

Asset-Based Lending and Restrictions (or Not)

Today, more than ever before, we are witnessing how asset-based lending (ABL) has become an increasingly popular way of financing, which is due in large part to its flexible structure…
Blog
03.01.22

Debt Financing vs. Equity: What’s Right For Your Business?

When it comes to financing your business, how do you know what is the right option for you? Is it through debt financing via options like asset-based lending or bank…
Blog
03.01.22

Debt & Dating: A Love Story

I know it doesn’t sound like the most romantic topic but hear me out…I’ve always thought that debt is like dating, and equity is like marriage. And this first date…
Blog
03.01.22

Achieving a Bigger and Better Bottom Line in Uncertain Times

Right now, we are all living in unprecedented times and facing a lot of adversity and uncertainty. But as an asset-based lender, one thing we know for certain is that…
Blog
03.01.22

What Consumers Really Think of Natural Products Companies

These days, consumers think about much more than what’s inside the packaging when they buy a natural product. They want to know the story behind the brand. Who started it?…
Blog
03.01.22

How to Fund Your Business Without Giving up Equity

As a growing startup company, it’s important to have working capital to keep your business profitable. There are many options to fund your business. The catch, however, is that a…
Blog
03.01.22

How Asset-Based Lending Can Unlock Your Business Growth

Asset-based lending has many benefits to businesses. One benefit—perhaps the most important—is the available flexibility to unlock your growth and ensure you reach your goals. Whatever the reason—whether to diversify…
Blog
03.01.22

How Private Equity and Debt Financing Can Be the Perfect Mix

There are many options available to business owners to fund their businesses. What may not be widely known is that two popular forms of financing growth – debt financing, such…
Blog
03.01.22

Get Inside Your Lender’s Head Top things you can do (and avoid) to secure a line of credit for your growing business

First impressions are critical to any relationship, especially when it involves something as important as your business and your lender’s capital. eCapital’s Jennifer Palmer weighs in on what lenders are…
Blog
03.01.22

Everything You Need to Know About Asset-Based Lending

If you are a business owner who is looking to fund a new growth initiative, you’ve likely gone through the many options to raise working capital. There are the more…
Blog
01.17.22

Just How Flexible Are eCapital’s Alternative Lending Solutions?

Retaining flexibility when you borrow funds is a vital component of a company’s financial structure. Ready access to working capital and the ability to self-direct funds allows the business to…
Blog
01.13.22

How Does Invoice Factoring Improve Profits?

Business owners know that more cash on hand means faster growth. So, why do countless companies leave funds locked up in invoices that won’t be paid for 30, 60, 90…
Blog
01.13.22

Great Resignation – Staffing Company Threat or Opportunity

The Great Resignation: Threat or Opportunity for Staffing Companies? Despite renewed pandemic uncertainty, continued supply chain disruptions, and rising inflation, the economic outlook is positive. Economists are projecting that strong…
Yes, You Can Live Free From Financial CovenantsBlog
12.01.21

Yes, You Can Live Free From Financial Covenants

Today, borrowing money is a fundamental part of business. It enables business owners and managers to meet their business objectives as they juggle their way through accounts receivables and payables,…
Blog
11.29.21

Five Sales Trends to Watch for in Specialty Finance in 2022

Anyone trying to predict sales trends at this time two years ago would have, most likely, been wildly off the mark. The last two years have impacted the specialty finance…
Blog
11.16.21

Invoice Factoring vs. Bank Loans: What’s the Difference?

Every business needs capital to start and a steady influx of cash to keep running. If you have an established client base and regular positive cash flow, you’ll achieve self-sustainability,…
Blog
08.04.21

How to Manage Your Small Business Post PPP Funding

As the business disruptions of 2020 become memory and the new challenges of a resurging economy continue to develop, small businesses are having to balance growth opportunities with limited sources…
Blog
07.21.21

Solving Top Cash Flow Problems for Manufacturers

The pandemic has altered the global economy unlike any preceding event. Supply chain disruptions and dramatically altered consumer spending habits have reshaped the economic landscape. Manufacturing companies serving industries that…
Blog
07.20.21

Solving Common Business Challenges

There is no doubt small to medium size businesses have become particularly vulnerable to the economic impact of the pandemic. Access to cash flow is a significant concern as sales…
Blog
07.14.21

How to Improve the Cash Conversion Cycle to Preserve Cash Flow

Managing cash flow to meet financial obligations is one of the most challenging aspects of running a business. In an ideal world, wholesalers and distributers push product and inventory quickly…
Image of an African American Baker and a lady in glasses discussing financing options for their startupBlog
07.07.21

What Business Financing Options Do Startups Have?

These are exciting and challenging times for all businesses, old and new. Disruption to global economies caused by the recent pandemic has altered the landscape considerably, elevating some industries to…
Building Your commercial finance broker businessBlog
06.29.21

Building Your Commercial Finance Broker Business

The post-pandemic era is on the horizon, some would argue that it has already begun. How small businesses faced the challenges of the pandemic is only now being assessed, but…
How Staffing Agencies Hire Top Talent? | eCapital Commercial FinanceBlog
06.24.21

How Staffing Agencies Hire Top Talent

Companies hire staffing agencies for a multitude of reasons, but it boils down to two main objectives; to hire qualified candidates for specific job positions, and to manage the administration…
Time Tracking Solutions for Temporary Staffing AgenciesBlog
06.16.21

Time Tracking Solutions for Temporary Staffing Agencies

Just like a coin has two sides, staffing agencies have two main functions – hiring productive workers to fill job positions and conducting the administrative management of those workers. The…
Using Government Contractor Financing to Bridge Cash Flow GapsBlog
06.02.21

Using Government Contractor Financing to Bridge Cash Flow Gaps

The U.S. Federal Government is the world’s largest enterprise and is the single largest purchaser of goods and services in the world. The market is worth over $100 billion in sales…
What Is Cash Against Documents (CAD) Financing?Blog
05.25.21

What Is Cash Against Documents (CAD) Financing?

Cash against document financing (CAD financing) is a method in which an importer pays for goods before receiving them. To ensure the satisfaction of the transaction from both parties, a…
Top 10 Reasons Why Staffing Companies Use Payroll FundingBlog
05.06.21

How to get Start-Up Financing Without a Loan

Navigating the unpredictable waters of starting a new business is challenging at best – advanced planning, preparation and good management can overcome a significant number of tests and trials that…
The Importance of a Notice of Assignment in FactoringBlog
04.28.21

The Importance of a Notice of Assignment in Factoring

In a factoring arrangement, a Notice of Assignment (NOA) is the factoring company’s first communication with the client company’s customers. It is the starting point of an ongoing relationship between…
Will Your Trucking Company Get Paid? Assessing Credit RiskBlog
04.19.21

What Is Invoice Factoring Without Recourse

Factoring accounts receivables to gain immediate access to working capital is a sound business decision. The process of selecting the right factoring company for your business requires proper understanding of…
a man and a woman shaking hands in the presence of a second man in glassesBlog
04.14.21

Building Your Business

How we work with referral brokers. When companies need access to capital, they need a source that is responsive, adaptive and expedient. Since 2006, eCapital has worked with brokers in…
a man in suit and a woman in office wear walking down a hallBlog
04.14.21

Creating Credit Heroes

How we work with bankers and financial advisors. Working with clients who are facing financial challenges is not only difficult, it can put a strain on your business relationship. When…
a team of corporate women having a meetingBlog
04.13.21

Partners in Your Success

How we work with our clients. You’ve probably heard the popular saying, “It’s about the journey, not the destination.” Well, here at eCapital we have to disagree. When it comes…
Notice of Assignment factoringBlog
04.08.21

DIP Financing Can Help Turn a Company Around Following Bankruptcy

Businesses in financial distress usually find that sources of new funding shrink just when they need it the most. The ability to obtain further advances from current lenders may be…
Dip FinancingBlog
03.11.21

Factoring for Small Business

Why Would A Small Business Use a Factoring Service? When your small or mid-sized business needs fast, flexible working capital financing, factoring companies provide needed cash flow. A small business…
How to get Start-Up Financing Without a LoanBlog
02.17.21

What is Invoice Factoring?

Invoice factoring is a financial transaction and a type of debtor finance. In an invoice factoring agreement, a business sells its accounts receivable (invoice) to a third party (called a…
Door to a bank vaultBlog
02.02.21

The Changing Role of the Commercial Banking System

During 2020 the government and the commercial banking system responded quickly and empathetically to provide assistance and credit with flexible terms to business customers. But this benevolence can’t be sustained. Current uncertainty…
How to Retreat from Small Business Loans on Good TermsBlog
01.13.21

How to Retreat from Small Business Loans on Good Terms

How Do Banks Retreat From SBLs And Retain Customer Loyalty? In the words of Bob Dylan, "the times they are a changing”, again and again and again. Over the past two decades business trends and…
7 simple things to do to free up working capitalBlog
01.05.21

7 simple things to do to free up working capital

All companies should first focus on working capital management before considering any form of financial assistance. The efficient administration of inventory control, accounts receivable and accounts payable are of utmost importance. If done right, improved working…
Commercial factorBlogFeatured InUpdates
01.05.21

eCapital President Steve McDonald Featured in Commercial Factor Magazine

After a turbulent year for the factoring industry, Steve McDonald predicts which trends will carry over into 2021, specifically noting that a tightening of bank lending will cause many small…
How Do SMBs Best Manage Working Capital?Blog
11.24.20

How Do SMBs Best Manage Working Capital?

Commercial businesses in all industries share a common need: the ability to finance operations to keep business running smoothly and generate profit. Since the 2008 credit crisis, banks have increasingly restricted credit to small and medium-size companies in…
image of a scientist testing for covid 19BlogFeatured In
09.10.20

How Factoring Companies are Dealing with COVID-19

eCapital Freight Factoring president, Charles Sheppard, spoke with Commercial Factor magazine about the challenges facing factoring companies during the first five months of the COVID-19 pandemic. “I think the question…
Paragon Offers Disaster Recovery Funding for FEMA ContractorsBlogPress Releases
09.02.20

Paragon Offers Disaster Recovery Funding for FEMA Contractors

MIAMI – September 1, 2020 - eCapital Corp’s portfolio company, Paragon Financial Group, Inc., specializing in accounts receivable factoring with guaranteed risk-free credit protection and purchase order financing, is immediately…
pymnts.com logoBlogFeatured In
08.17.20

Factoring Innovation: eCapital Featured on PYMNTS.com

eCapital president, Steve McDonald, spoke with PYMNTS.com about the alternative finance options...
Business executive surrounded by computer monitors reviews data graphs printed on paperBlog
06.13.20

Secure the Most Funding at the Lowest Rate

Growing a Small Business is Challenging and Finding the Right Financing is Vital for Success Small businesses are the backbone of the U.S. economy, making up 99.9% of all companies…
Four people sitting in a business meeting around a table while one person stands up and presentsBlog
06.13.20

5 Reasons Alternative Banking Helps Small Businesses Thrive

When seeking business financing, it is important to conduct a thorough evaluation of your business and educate yourself about the many financial options available. Here are five steps that every…
Person in a warehouse taking inventory using a tablet deviceBlog
06.13.20

What You Are Afraid to Ask About Inventory Financing

Supply chain finance allows a supplier to leverage an alternative lender to create cash flow on credit, secured by the invoices in accounts receivable that have not yet been paid.…
Person taking notes while reviewing data graphs on a tabletBlog
06.13.20

Financial Solutions: Alternative Funding vs. Bank Loans

Established business owners can attest that traditional bank loans aren’t suited for every type of business or every stage of business growth. Further, Small Business Administration (SBA) business loans are…