Solving Common Business Challenges

By 07.20.21November 30th, 2022No Comments
corporate workers in office talking over documents laid out on the floor

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 may have decreased, but operating expenses have not.

Building on our recent blog series, “eCapital and you,” we will show how eCapital works with small and medium-sized businesses like yours to overcome common financing obstacles and position your company for future growth and success. You’ll gain insight into how to solve your payroll funding, gap financing and long-payment terms issues, and learn how companies like yours have benefitted from our customized financial solutions.


According to a Federal Reserve survey, 53% of surveyed businesses expected their total sales revenue to be down by more than 25% due to the pandemic. The share of firms that experienced financial challenges in the prior 12 months rose from 66% to 80% between 2019 and 2020. In response to those challenges, firms most used personal funds (62%) or cut staff hours/downsized operations (55%). Over 90% of firms in the survey said they applied for some form of government assistance during the pandemic. As government relief programs are drying up, business owners are left to search for other ways to fund their businesses.

Small to medium-sized businesses, are often considered too risky for banks – despite long credit histories or established business operations. According to the Federal Reserve study, 23% of companies with lower credit scores sought funding from non-bank lenders like eCapital. For these businesses who need to purchase supplies and pay staff until their revenue streams normalize, financing vehicles such as invoice factoring and asset-based lending offer efficient and fast access to the working capital, your business needs to thrive in a post-pandemic world.


In this series, we’ll take a closer look at the following financing hurdles and how to overcome them:

Payroll Funding – how do you pay staff before you get paid by your customers?

Gap Financing – you have orders to fill, but how can you buy supplies without funds?

Long Payment Terms – that new contract is excellent, but payments are 90 days away!

In each situation, we’ll show you how we can step in and provide rapid access to capital with quick and flexible fundingcash flow to keep your business moving, and a dedicated customer service support team for the best insight, guidance, and business lending service.

With eCapital, suddenly you’re part of a much bigger team. Steve Jobs put it best “Great things in business are never done by one person. They’re done by a team of people”. Work with the eCapital team and watch your business grow.

eCapital Logo

eCapital Corp. is committed to supporting small and middle-market companies in the United States, Canada, and the UK by accelerating their access to capital through financial solutions like invoice factoring, factoring lines of credit, asset-based lending and equipment financing. Headquartered in Miami, Florida, eCapital is an innovative leader in providing flexible, customized cash flow to businesses. For more information about eCapital, visit

More Great Reads

2022 Invoice Factoring Rates and CostsBlog

2022 Invoice Factoring Rates and Costs

Businesses looking for the best factoring company to improve cash flow often focus their negotiation efforts on getting the lowest rate. While this approach feels logical, there may be better…
Why Commercial Loan Brokers Should Choose a Tech-enabled LenderBlog

Why Commercial Loan Brokers Should Choose a Tech-enabled Lender?

Following the 2008 financial crisis, traditional commercial banks further tightened their credit restrictions on small and mid-size businesses. At the same time, advancements in technologies opened the door for new…
How to Choose High-Value Lenders to Help Build Your Commercial Loan Broker BusinessBlog

How to Choose High-Value Lenders to Help Build Your Commercial Loan Broker Business

As a commercial loan broker, it is essential to market and promote your business as the best source of financing options for business owners. Confidently projecting your ability to streamline…