eCapital FastTrack unifies payables, receivables, payments, and funding in one unified platform—giving you real-time visibility, flexible access to capital, and greater control over cash flow.
eCapital FastTrack brings together the core components of working capital—accounts payable, accounts receivable, payments, and funding into a single, intelligent platform. Gain real-time visibility into cash flow, access capital on demand, and streamline how invoices and payments are managed across your business.
Align buyer and supplier payment timelines to reduce friction, improve cash flow predictability, and create a more stable, efficient supply chain for all parties.
Gain clearer insight into payment timelines and working capital needs with consistent, predictable terms across your supplier base.
LOWER YOUR FINANCING COSTS BY UP TO
22%*
Use supply chain finance to lower your cost of capital and improve working capital efficiency.
Get real-time insights about the performance of your AP & AR to fully optimize your working capital. Our platform is backed by 25+ years of proprietary data that helps you identify risks and opportunities for growth.
Offer early payments to suppliers without impacting your working capital, and extend payment terms with flexible options like FlexTerm.
Streamline collections and reduce DSO while improving visibility into incoming cash flow. Gain greater control over receivables with a more efficient, connected process.
Access cash on demand from approved invoices and align funding with your payment terms and liquidity needs. Maintain flexibility to support day-to-day operations and growth.
Assess customer and prospect creditworthiness using integrated data and insights. Reduce risk and make more informed credit decisions across your portfolio.
Visualize performance across payables, receivables, and funding in real time. Benchmark working capital and key supplier and customer metrics to identify opportunities for improvement.
Connect and automate workflows across payables, receivables, and funding. Reduce manual effort, streamline operations, and gain real-time visibility, all from a single, scalable platform.
With the eCapital FastTrack platform, enterprises can easily manage cash flow through an intelligent, transparent platform that provides on-demand access to capital and seamless management of invoices and payments.
One of the fastest-growing non-bank lenders in North America, with over 20 years of experience supporting enterprise businesses.
$114B
FUNDED TO BUSINESSES
20+
YEARS SUPPORTING BUSINESS GROWTH
44K+
CLIENTS FINANCED
14MM+
TRANSACTIONS PROCESSED ANNUALLY THROUGH OUR PLATFORM
FastTrack is designed for businesses with complex procurement cycles, multi-supplier networks, and working capital demands that exceed traditional funding structures. The platform helps strengthen supplier relationships, support operational continuity, and provide flexible liquidity that moves with your business.
Need capital to support larger or more strategic inventory purchases
Are preparing for peak seasons, disruption, or shifting demand
Prefer flexible, non-dilutive working capital solutions
Compare FastTrack’s flexible, invoice-based working capital platform to standalone digital tools and traditional bank financing across key areas that matter for enterprises.
Financing Structure
Flexibility & Access
Supplier & Buyer Benefit
Scalability
Operational Efficiency/Payments Automation
Risk & Insights
Time to Value
Invoice-based funding across payables & receivables
On-demand access tied to approved invoices
Supports both buyers and suppliers with predictable cash flow
Scales with purchasing volume and supplier network
Automated payments, reconciliation, and reporting
Real-time credit, fraud monitoring, and analytics
Programs launch and deliver results in 6–8 weeks
Typically handles only AP or AR separately
Limited flexibility
Usually benefits only one side
Limited, tied to module scope
Partial automation, manual reconciliation required
Limited reporting and risk tools
Moderate setup, module-by-module integration
Loan-based or line-of-credit structures
Restricted by covenants, approvals, and credit limits
Primarily benefits the borrower (buyer)
Often requires refinancing or restructuring to scale
Mostly manual processes, slow execution
Minimal visibility, relies on manual credit processes
Long implementation cycles, complex approvals
FastTrack helps enterprises improve liquidity, strengthen supplier relationships, and gain real-time control over cash flow—without the friction or delays of traditional financing.
Access liquidity across your payables and receivables while keeping existing payment terms intact.
By offering suppliers access to early payments, FastTrack helps improve supplier reliability, reduce risk, and ensure consistent delivery of critical goods and services.
With a centralized platform, FastTrack provides full visibility into payables, receivables, and funding activity to make faster, smarter working capital decisions.
A mid-sized buyer wanted to support key suppliers with faster payments while maintaining its own payment terms and preserving internal liquidity.
Suppliers required faster access to cash to continue delivering materials reliably, but accelerating payments would strain the buyer’s working capital and impact cash reserves.
FastTrack introduced a supply chain finance structure that enabled early supplier payments without requiring the buyer to use its own cash.
Suppliers could opt for accelerated payment on approved invoices, while the buyer maintained existing terms, improving supplier stability and strengthening the overall supply chain.
A business managing multiple systems for invoicing, payments, and financing lacked visibility and control over its working capital position.
Disconnected AP and AR processes created inefficiencies, manual work, and limited insight into cash flow. This made it difficult to optimize working capital, forecast accurately, and respond quickly to changing business conditions.
FastTrack consolidated receivables, payables, and funding into a single, integrated platform.
With real-time visibility and centralized controls, the business streamlined operations, improved cash flow management, and made faster, more informed financial decisions.
A fast-growing business secured several large customer contracts, significantly increasing revenue potential, but the associated payment terms created a widening gap between delivering services and receiving cash.
The company was onboarding new clients with net-60 to net-90 payment terms, while simultaneously needing to scale payroll, production, and supplier commitments in real time. Existing bank financing was limited by rigid structures, slow approvals, and borrowing base constraints tied to historical performance rather than current demand. As growth accelerated, so did the strain on liquidity—putting pressure on operations and limiting the company’s ability to fully capitalize on new opportunities.
FastTrack provided a flexible, real-time working capital solution by unlocking liquidity directly from approved receivables.
Through a centralized platform, the business could convert invoices into immediate cash, monitor funding availability, and manage collections seamlessly. This enabled the company to confidently take on new contracts, fund operational scale-up, and maintain consistent cash flow—without restructuring existing debt or delaying growth initiatives.
eCapital FastTrack is a unified working capital platform that helps businesses manage cash flow, invoices, and payments in one place. It enables companies to access capital on demand while gaining real-time visibility and control over accounts payable and receivable.
FastTrack accelerates access to cash by allowing businesses to request funding on open invoices or offer early payments to suppliers. This helps reduce cash flow gaps while maintaining existing payment terms across the supply chain.
eCapital FastTrack addresses the major working capital challenges enterprises face by unifying payables, receivables, payments, and funding in a single platform. It helps businesses close the cash flow gap, optimize liquidity, and streamline financial operations.
More specifically, it addresses:
Slow payments and long payment terms
Businesses often wait 30–90+ days to get paid, creating liquidity pressure and limiting growth.
Working capital constraints
Companies struggle to fund operations, payroll, and inventory while cash is tied up in receivables.
Disconnected AP and AR processes
Traditional solutions treat payables and receivables separately, creating inefficiencies and lack of visibility.
Supplier instability and supply chain risk
Suppliers need faster access to cash, while buyers want to preserve their own liquidity—creating conflicting needs
Lack of enterprise-wide visibility
Finance teams often cannot see cash flow, funding availability, or payment performance across multiple entities or business units.
Yes. Suppliers can request early payment on approved invoices directly through the platform, giving them faster access to working capital while buyers keep their original payment terms unchanged.
FastTrack includes supply chain finance, invoice financing, payment automation, collections, and credit risk tools—all within a single platform. It also provides real-time insights and reporting to help optimize working capital performance.
Businesses can access funding in just a few clicks once invoices are approved. The platform is designed for speed and ease of use, enabling fast decision-making and near real-time access to capital.
Yes. FastTrack integrates with ERP systems, accounts payable/receivable platforms, and banking systems, allowing businesses to streamline processes without changing their existing workflows.
Savings estimates are illustrative and based on internal proprietary data and externally sourced research. Actual results will vary based on business conditions, creditworthiness, supplier adoption, and program design. External source: A Machine Learning-Based Study on the Synergistic Optimization of Supply Chain Management and Financial Supply Chains from an Economic Perspective, which reported an 18–22% decrease in SME financing costs.
