More clients are falling just outside the credit box for both bank and non-bank ABL teams. Maybe the company’s financial performance has slipped. Maybe covenants would be too restrictive. Or maybe the facility structure or size simply doesn’t fit within internal guidelines.
But saying “no” doesn’t have to be the end of the relationship. In fact, it can be the start of a new opportunity—both for your client and for your team.
A Solution That Looks and Feels Like ABL
When an ABL facility isn’t possible, eCapital’s Accounts Receivable (AR) Financing team can step in. Our facilities are structured to look and feel similar to an ABL line—providing liquidity while minimizing disruption to the client’s working capital needs.
Key features include:
- Less restrictive covenants, and in some cases, a complete waiver of covenants.
- AR-centric borrowing base with the flexibility to include an inventory component.
- Non-notification and confidential programs to preserve client-customer relationships.
- Bulk factoring structures for added operational efficiency.
- Competitive pricing that aligns closely with ABL expectations.
This structure means your client gets the working capital they need, without losing time or momentum.
Why This Matters to Bank ABL Teams
For bank ABL teams, the benefits go beyond helping the client. Referring an opportunity to eCapital allows you to:
- Retain deposit and treasury management services.
- Protect the client relationship for when they return to bankability.
- Reduce risk while still providing a solution.
It’s a way to say “yes” indirectly—without stretching outside your lending comfort zone.
Why This Matters to Non-Bank ABL Providers
For non-bank ABL lenders, a declined opportunity doesn’t have to be a dead end. Referring to eCapital allows you to:
- Generate a new revenue stream through referral economics.
- Protect bandwidth for your ideal-sized transactions.
- Build goodwill with clients and referral sources by guiding them to a solution.
In many cases, we’ve been able to onboard clients quickly, stabilize their liquidity, and return them to ABL readiness—creating future opportunities for the referring lender.
Building Long-Term Value Together
Referrals shouldn’t be seen as transactions; they’re part of building a stronger ecosystem of working capital solutions. By partnering with eCapital, you can expand your ability to serve clients, even when an ABL facility isn’t possible today.
Let’s Talk
If you have a client who doesn’t quite fit your ABL credit profile, let’s explore whether an AR Financing facility could bridge the gap. This approach preserves client relationships and creates value for your clients and your team.
Contact eCapital’s AR Financing team today and discover how our working capital solutions can benefit your client.
ABOUT eCapital
At eCapital, we accelerate business growth by delivering fast, flexible access to capital through cutting-edge technology and deep industry insight.
Across North America and the U.K., we’ve redefined how small and medium-sized businesses access funding—eliminating friction, speeding approvals, and empowering clients with access to the capital they need to move forward. With the capacity to fund facilities from $5 million to $250 million, we support a wide range of business needs at every stage.
With a powerful blend of innovation, scalability, and personalized service, we’re not just a funding provider, we’re a strategic partner built for what’s next.
