Get your business back on track. At eCapital, we offer a wide variety of fast, flexible financing solutions to immediately restore the financial health of your business.

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A robust cash flow enables businesses to adapt to market changes, seize emerging opportunities, and address unexpected expenses without resorting to costly short-term debt. When it comes to business, financial management is critical to success. By proactively managing your finances, you can make informed decisions that will improve your bottom line.

At eCapital, we understand the unique challenges faced by businesses in poor financial health. We offer tailored solutions that align with your business’s specific circumstances, providing creative options that traditional lenders may not consider.


of small and medium-sized businesses said their business was in "fair, or poor financial condition."


of businesses that failed cited cash flow problems as a prime factor in their failure.

Source: Fed Small Business Credit Survey 2022 Report


Recurring cash flow shortage can create several problems for businesses, particularly small and mid-sized ones. Addressing cash flow shortages can yield numerous benefits for businesses, including:

  • Improved financial stability
  • Enhanced supplier relationships
  • Increased growth opportunities
  • Competitive advantage


More working capital helps your business fulfill short-term financial needs, maintain strong supplier relationships, and replenish inventory promptly.

More financial flexibility enables swift adaptation to market changes, capturing new opportunities, and investing in innovation or expansion. These aspects contribute to long-term success, enhancing competitiveness and fostering sustainable growth.


If you notice any of the following early warning signs, it’s essential to analyze your business’s financial situation, identify the root causes of cash flow problems, and take corrective action to improve your cash flow management.


* Uncontrolled growth of the business
* Decline in marketing leads
* Stagnant or declining revenue
* Obsolete inventory
* Decline in working capital
* Reduced capital investment programs
* Declining industry fundamentals
* Increase in employee turnover
* Manufacturing quality issues due to rushed work
* Poor accounting systems and low financial reporting quality


* Sustained declining or negative cash flow
* Consistent overdrafts
* High interest payments
* Long cash conversion cycle
* Violation of debt covenants
* Revolver drawdowns
* Poor capital budgeting
* Extended debtor or creditor days
* High debt-to-equity ratio
* Low current ratio
* Increase age in outstanding accounts payable or receivable


We work with a wide array of industries. Our clients are all business-to-business entities, meaning they invoice other companies (not consumers) for products and services provided.















In today’s ever-evolving business environment, unique challenges demand innovative and customized financial strategies. Our expertise in collaboration brings diverse perspectives and expertise to the table, fostering a richer understanding of the situation and facilitating the design of more effective and tailored solutions.

Turnaround Consultants

We bring valuable financial solutions and resources to support your company’s liquidity and working capital needs during the turnaround process. We can provide flexible financing options, bridge funding gaps, and assist in managing cash flow challenges. On the other hand, the turnaround consultant brings strategic insight, operational expertise, and a comprehensive understanding of the factors contributing to your financial distress. They can develop and execute a customized turnaround plan, identify areas for improvement, optimize business processes, and facilitate a return to profitability.

By combining the expertise of both entities, you can create a powerful synergy that enhances the effectiveness of your business turnaround efforts. eCapital and your turnaround consultant create a dynamic partnership that addresses your business’s financial and operational aspects, maximizing the chances of a successful turnaround and revitalizing your company’s prospects.

Debt Advisors/Debt Counsellors

eCapital brings valuable financial solutions and resources, providing access to non-traditional financing options and innovative debt restructuring solutions. We can help alleviate financial pressures, optimize your capital structure, and support your working capital needs. Simultaneously, the debt advisor offers specialized knowledge and experience in debt management, negotiation, and restructuring. They can assess your debt obligations, develop a comprehensive debt management plan, and provide guidance on navigating complex financial situations.

By combining the expertise of these two entities, you can establish a robust collaboration that amplifies your debt management strategies and financial decision-making. The alternative finance company and the debt advisor create a powerful alliance that enables you to effectively manage your debt, reduce financial risks, and set a path toward long-term financial stability and success.

Chartered Professional Accountants (CPAs)

This collaboration combines the financial expertise of eCapital with the specialized knowledge and insights provided by the CPA. Together, we can optimize your financial management and decision-making processes. eCapital brings valuable funding solutions, assisting with cash flow management, working capital needs, and innovative financing options tailored to your business. On the other hand, the CPA offers comprehensive financial analysis, reporting, and strategic guidance. They ensure accurate financial records, provide insights on tax planning, identify cost-saving opportunities, and offer advice on financial compliance. By partnering with a CPA, we can leverage our expertise to make informed financial decisions, maintain financial transparency, and achieve optimal financial health.

The synergy between eCapital and your CPA enhances your financial management capabilities, empowering your business to thrive and reach its full potential.

Strategic Advisory Firms

The collaboration of these two entities combines our team’s financial expertise with the strategic insights and guidance provided by the advisory firm. This partnership empowers your business to make well-informed decisions and execute effective strategies for growth and success. eCapital brings valuable financial solutions, including flexible funding options, working capital support, and innovative financing structures tailored to your needs. Meanwhile, the strategic advisory firm offers strategic planning, market analysis, competitive intelligence, and guidance on business development. They help identify growth opportunities, optimize operations, and navigate market challenges.

By partnering eCapital with your strategic advisory firm, you’ll gain access to a wealth of knowledge and experience, enabling you to make strategic decisions with a clear vision for long-term success.

Financial Advisors

This collaboration combines the expertise of both entities to provide comprehensive financial guidance and support. eCapital brings valuable financial solutions, such as flexible funding options, working capital assistance, and innovative financing structures. We can help address cash flow challenges, optimize capital allocation, and support your business’s financial needs. Meanwhile, the financial advisor offers strategic financial planning, investment advice, risk management strategies, and expertise in financial analysis. They provide insights into wealth management and financial goal-setting and help navigate complex financial decisions.

eCapital and your financial advisor create a powerful partnership that combines financial expertise and personalized guidance, ensuring that your business makes sound financial decisions, achieves financial goals, and maximizes its overall financial health.


Partnering eCapital with your attorney can bring tremendous benefits and peace of mind to your business.

This collaboration combines the financial expertise of eCapital with the legal knowledge and guidance the attorney provides. Together, they ensure that your financial transactions and agreements are legally sound, compliant and protect your business’s interests.

eCapital offers valuable financial solutions, such as flexible funding options, working capital support, and innovative financing structures. Simultaneously, the attorney provides legal counsel, assists in contract negotiation, reviews legal documents, and ensures regulatory compliance. This partnership helps you navigate complex legal matters related to financing, risk management, and business transactions.

By having an attorney as a partner, eCapital can confidently make informed decisions while minimizing legal risks and maximizing legal protection. This collaboration ensures that your business operates within the bounds of the law, mitigates legal challenges, and maintains a solid legal foundation for sustainable growth and success.


eCapital is an award-winning, industry-leader in the alternative financing space. Here are a few reasons why businesses choose eCapital as their alternative financing partner:

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 $50 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.

Expert Tips & Advice

Tap into our in-depth industry knowledge to better manage your business. Get smart, actionable advice and useful tips from our finance experts.


For over 25 years eCapital a freight factoring company 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!


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What are the key metrics you will evaluate to identify if my business is in poor financial performance?

There are several key financial metrics and indicators that can help identify if a business is underperforming financially:

  1. Revenue Trends: Decreasing revenues over a significant period can indicate a problem, especially if the industry or market is growing.
  2. Gross and Net Profit Margins: If these margins are shrinking, it could mean that costs are increasing, prices are falling, or both.
  3. Operating Cash Flow: If a company’s operating activities are consistently not generating enough cash to cover operating expenses, it could signal poor financial performance.
  4. Liquidity Ratios: These include the current ratio (current assets divided by current liabilities) and quick ratio (cash, marketable securities, and receivables divided by current liabilities). Low liquidity ratios may indicate a company is struggling to meet its short-term obligations.
  5. Debt Ratios: High levels of debt can be a red flag, especially if the company is struggling to service its debt. The debt-to-equity ratio (total debt divided by total equity) is commonly used to assess a company’s leverage.
  6. Accounts Receivable and Payable Turnover: If receivables are growing or if payables are being extended, it could signal cash flow problems.
  7. Inventory Turnover: Slow inventory turnover can tie up cash and may signal weak sales or overstocking.
  8. Return on Equity (ROE) and Return on Assets (ROA): These profitability ratios show how effectively a company is using its resources to generate profit. A decrease in these ratios could indicate poor financial performance.
  9. Customer Satisfaction and Retention: While not a financial metric, customer dissatisfaction or a decrease in customer retention can lead to financial problems down the line.

These are some of the key metrics, but it’s important to note that different businesses and industries may have additional specific metrics that are important to consider.

What is the most common mistake companies make when in poor financial performance?

One of the most common mistakes companies make when facing poor financial performance is failing to address the issue promptly. Often, businesses might neglect early warning signs, such as cash flow issues, declining sales, increasing debts, or customer dissatisfaction. This delay can exacerbate the problem, making recovery more difficult and costly.

Another common mistake is making hasty, short-term focused decisions that can harm the long-term health and stability of the company. This could include slashing budgets without considering the impacts on operations, customer service, or employee morale, or taking on high-interest debt without a clear plan for repayment.

What is a poor financial situation for a business?

A poor financial situation for a business typically involves a combination of several negative factors. These could include:

  1. Insufficient Cash Flow: This is one of the most common signs of a poor financial situation. If a business does not have enough money coming in to cover its outgoings, it will eventually run into difficulties. Cash flow problems can arise from low sales, high expenses, or poor money management.
  2. High Levels of Debt: While debt is not inherently bad and can even be a healthy part of business finance, excessive debt can be a sign of financial distress. If a business has high levels of debt that it’s struggling to repay, or if it’s continuously borrowing to cover operating expenses, it may be in a poor financial situation.
  3. Low Profit Margins: If a business’s profit margins are consistently low, it might not be generating enough income to cover its costs and reinvest in its growth. Low profit margins can be due to factors like pricing issues, high costs of goods sold, or operational inefficiencies.
  4. Declining Sales or Revenue: A consistent decline in sales or revenue over a period of time can be a sign of a poor financial situation. This could be due to a decrease in demand, increased competition, or other external factors.
  5. Inability to Meet Financial Obligations: If a business consistently struggles to pay its bills on time, meet payroll obligations, or fulfill other financial commitments, it’s likely in a poor financial situation.
  6. Negative Net Worth: If a business’s liabilities exceed its assets, it has a negative net worth. This is a serious sign of financial distress, as it suggests the business would be unable to pay off its debts even if it sold off all its assets.

These are just a few examples of what might constitute a poor financial situation for a business. It’s important to regularly review financial statements and key performance indicators to monitor the financial health of a business.

What is an example of financial mismanagement?

Financial mismanagement refers to poor handling or misuse of a business’s financial resources, which can lead to financial difficulties or even bankruptcy. Here are some examples:

  1. Inadequate Budgeting and Planning: Neglecting to create a detailed and realistic budget, or frequently deviating from it, can quickly lead to overspending and cash flow problems. This also applies to inadequate financial forecasting and planning which can leave a business unprepared for future expenses or changes in the market.
  2. Excessive or Unnecessary Spending: Spending too much on non-essential items or services, overpaying for assets, or failing to control operating expenses can strain the business’s financial resources.
  3. Poor Cash Flow Management: Not actively managing accounts receivable and payable can lead to cash flow problems. This could include allowing customers to delay payments for too long or not negotiating favorable credit terms with suppliers.
  4. High Levels of Debt: While some debt can be beneficial for growth, excessive borrowing without a clear repayment plan can lead to unsustainable debt levels and high interest costs.
  5. Lack of Financial Controls and Auditing: Failing to implement internal financial controls can lead to errors, fraud, or embezzlement. Regular auditing and review of financial transactions are essential for catching and preventing these issues.
  6. Poor Investment Decisions: Making investments without thorough research or a clear understanding of the potential risks and returns can result in significant financial losses.
  7. Neglecting to Save for Emergencies: Not setting aside funds for unexpected expenses or downturns can leave a business financially vulnerable.

These examples underscore the importance of sound financial management for the success and sustainability of a business.

What are the consequences of Poor Financial Health for businesses?

Poor financial health can have serious consequences for a business, impacting its operations, reputation, and long-term sustainability. Some of these consequences include:

  1. Cash Flow Problems: Poor financial health often leads to issues with cash flow, which can make it difficult for a business to meet its day-to-day operational expenses, such as payroll, utilities, and suppliers’ payments.
  2. Limited Growth and Development Opportunities: A business in poor financial health may not have the resources to invest in new products, services, or markets. This can limit its growth potential and competitive edge.
  3. Difficulties in Securing Financing: Lenders and investors typically prefer to work with businesses that are financially healthy. If a business has poor financial health, it may struggle to secure loans, credit, or investment capital.
  4. Reduced Employee Morale and Retention: Financial instability can lead to layoffs, reduced benefits, or missed paychecks, which can in turn lead to lower employee morale and increased turnover.
  5. Damage to Reputation: A business struggling financially may not be able to fulfill its obligations to customers, suppliers, or creditors, which can damage its reputation and relationships.
  6. Increased Risk of Bankruptcy: Ultimately, continued poor financial health can lead to insolvency or bankruptcy, resulting in the closure of the business.

These consequences underline the importance of maintaining good financial health, through sound financial management practices, for the survival and success of a business.

How long does it take to receive financing after your funding has been approved?

The entire process of applying for funding moves quickly. With a viable strategy, eCapital will work with you to quickly structure and fund your unexpected financing needs, and we can do so in as little as a few weeks.

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