COMMERCIAL FINANCE SOLUTIONS
GET THE MONEY YOU NEED, WHEN YOU NEED IT
Custom financial solutions to help you achieve your business goals.
COMMERCIAL FINANCE SOLUTIONS
THE FASTEST, EASIEST WAY TO GET THE WORKING CAPITAL YOU NEED
At eCapital, our focus is on creating financial solutions that optimize how businesses leverage the assets they have at their disposal. This speaks to both the nature of the solution, and the terms of the final deal.
To ensure that we consistently deliver on this approach, we’ve built a suite of products that will enable our customers to leverage their assets, on their terms. And then we reduce or eliminate the traditional covenants that restrict their ability to operate as needed. In the end, our customers get the infusion of the working capital they need, and access it in the ways that are best for their business.
EXTRA MONEY
Creative terms designed to maximize your working capital.
INSTANT MONEY
Split-second transfers to your bank–even after hours
FASTER MONEY
Our financing solutions give you quick access to funds, when you need it
EASY MONEY
The best online portal for tracking your invoices and managing your money.
eCapital Financial Solutions
MAKE YOUR ASSETS WORK FOR YOU
Our mission is to finance your long-term profitable growth and to do so with maximum flexibility. We offer personalized solutions with a white-glove service. Each of our lending facilities are custom-designed to meet the individual needs of your business, taking into account trade cycles, seasonality, customer base and more.
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THE RIGHT FINANCIAL SOLUTIONS FOR YOU
FREIGHT FACTORING
Get cash for your invoices so you can keep your business moving forward.
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EQUIPMENT FINANCING
Flexible equipment financing to help you meet your business objectives.
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LINES OF CREDIT
Get access to revolving funds to support your business goals.
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FINANCIAL SOLUTIONS FOR ALL INDUSTRIES
We specialize in the provision of cashflow solutions from small & medium-sized businesses to enterprise organizations. If you have ambitious plans to grow, our solutions are designed to help you do just that.
SERVICE
CONSUMER PACKAGED GOODS
HEALTH AND BEAUTY
CONSULTING
OILFIELD SERVICES
WHOLESALE & DISTRIBUTION
APPAREL
TELCOM/WIRELESS
BENEFITS OF OUR ASSET-BASED LENDING PRODUCTS
Gain Financial Stability & Predictable Cash Flow
We help stabilize operations for companies that are growing rapidly, have tight cash flows, or have seasonal revenues.
Fewer Covenants
Our asset-based lending options have fewer covenants than conventional lines of credit. Managing the line and staying in compliance is substantially simpler.
Fast Access to Cash
Asset-based lending gives you quick access to financing when required – Tap into your assets to generate the cash
Flexible Funding
As an asset-based lender we customize solutions and contract terms that match the requirements of your business.
Improve Your Cash Flow
Flexible financing to businesses that are experiencing accelerated growth.
Works for Any Stage of the Business Cycle
Asset-based lending is suitable for small & medium businesses as well as large corporations.
OUR COMMERCIAL LENDING SOLUTIONS ARE TAILOR-MADE FOR YOUR BUSINESS
eCapital’s Commercial Lending solutions are great for:
Young, fast-growing companies
Businesses needing financing up to $50M
Companies with at least two years of financial history
Long-standing businesses
In growth mode or facing financial challenges
Companies needing flexible financing
GET PAID FASTER WITH OUR FINANCIAL SOLUTIONS
eCapital financial solutions are the fastest way to gain working capital through unlocking the cash in your assets. Don’t wait 30, 60 or 90 days to get paid. Get the cash flow you need, when you need it with our creative financial solutions.
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It’s quick and easy to get started.
UPLOAD YOUR PAPERWORK
Use our online portal to submit invoices for same-day payment.
GET PAID INSTANTLY
Receive your funds same day.
MAXIMUM FUNDING ON VARIOUS COLLATERAL
We specialize in unique asset-based lines of credit and provide working capital by leveraging accounts receivable, inventory assets, and even intellectual property, to companies that generate between 2M to 100M of revenue per year.
eCapital typically offers funding on collateral of up to:
ON ACCOUNTS RECEIVABLE
ON THE APPRAISED VALUE OF M&E
ON FMV REAL ESTATE
ON NET ORDERLY LIQUIDATION OF INVENTORY
MORE REASONS TO CHOOSE COMMERCIAL LENDING FROM eCAPITAL
We help companies grow and thrive. You can count on our faster, more flexible financial solution to get you the most money to support your business goals. See what our industry experts can do for you.
24/7 Access to Your Cash
Manage your money your way. With eCapital Connect, our proprietary account management software, you are in control of your finances at anytime, day or night.
Fair & Affordable Rates
Our rates are the most competitive in the industry. We know what it takes to maximize your working capital and will customize a solution to meet your needs.
Facilities Up To $30 Million
We’re ready and able to provide the funding your business needs now and into the future. As your business grows, so does the invoice financing available to you.
Seamless Transition
We understand that working capital is critical to your business operations. We’re pros at onboarding new clients and our account management team is here for you every step of the way.
No Hidden Fees
We believe in transparency in all we do. That means no surprises when it comes to our agreements.
Tips and Advice
Tap into our in-depth industry knowledge to better manage your business. Get smart, actionable advice and useful tips from our finance experts.
DON’T JUST TAKE OUR WORD FOR IT
For over 25 years eCapital has helped more than 30,000 businesses grow. We want to do the same for you. Take a look at the latest reviews from our customers on TrustPilot!
FREQUENTLY ASKED QUESTIONS
What is Invoice Factoring?
Invoice factoring is a financing solution that allows your small business or medium sized business to release cash against your outstanding customer invoices before they’ve been paid. Factoring invoices is the fastest way to improve cash flow to your business bank account.
What is Asset-based Lending?
Asset-based lending or some times called a ABL loan is a creative form of debt financing. It allows you to secure a loan based on the value of your business assets. With our asset-based lending program, you can borrow up to 90% of accounts receivable, 60% of inventory, 70% of FMV for M&E and RE and 40% of intellectual property, in addition we lend against credit card proceeds. You are borrowing in the form of a revolving line of credit, which is ideal, because you can use those funds whenever you need money. Since your physical assets are your collateral, there is maximum liquidity and fewer rules. Overall, this is an extremely flexible solution that bridges the buy-and-sell in your business so that you can accelerate your sales cycle.
Is Invoice Factoring a Business Loan?
No. With invoice factoring, you are selling an asset (unpaid invoices) to quickly release working capital, and the invoice factoring company would be responsible for collecting the unpaid invoices.
Who benefits from factoring?
Factoring services are a financial solution for businesses who trade with other businesses.
How long does it take to set up invoice factoring with you?
Invoice factoring is quick and easy to set-up! We’ll reach out within 24 hours of you contacting us. That’s why our clients like working with us. We don’t hang around.
How much will invoice factoring cost me?
Costs (factoring fees) are dependent on the invoice factoring services you use and the amount of invoices and invoice amounts we handle for you. We want to earn your business and offer extremely competitive rates. Contact us today for a free, no-obligation quote.
Invoice factoring vs. bank loans: What’s the difference?
In a traditional environment, a company or small business owner will borrow money in the form of a cash advance from a lending institution and pledge collateral to secure the bank loan. Over time, the company or individual will work to pay this loan back with interest. Depending on the loan structure, payments may be due monthly, starting immediately, or the full principal and interest will be due at some specified date in the future.
Invoice factoring, by contrast, uses your existing invoices as collateral. If you have outstanding invoices due from your customers, you can sell those invoices to a third party for a discount. You’ll get an immediate injection of cash, and your customers will pay their invoices directly to the third party for goods and services.
Did you know factoring can improve your credit score?
Since invoice factoring does not cause your company to incur any debt, it can actually increase your credit score through consistent cash flow and financial stability.
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