OUR STORY

Listening to the financial needs of businesses and then offering a better solution.

CORPORATE OVERVIEW

PIONEERING UNCHARTED TERRITORY
IN FINANCIAL SERVICES

Since 2006, eCapital has been on a mission to change the way small to medium sized businesses access the funding they need to reach their goals. We know that to survive and thrive, businesses need financial flexibility to quickly respond to challenges and take advantage of opportunities, all in real time. Companies today need innovation guided by experience to unlock the potential of their assets to give better, faster access to the capital they require.

We’ve answered the call and have built a team of over 600 experts in asset evaluation, batch processing, customer support and fintech solutions. Together, we have created a funding model that features rapid approvals and processing, 24/7 access to funds and the freedom to use the money wherever and whenever it’s needed. This is the future of business funding, and it’s available today, at eCapital.

OUR MISSION

Empowering companies by accelerating their access to capital.

OUR VISION

To lead the way as an innovative provider of capital solutions to small and medium-sized businesses.

OUR TIMELINE

KEY MILESTONES IN OUR CORPORATE JOURNEY

Over the past 18 years, our organization has evolved to become a leading alternative lender. As we honed our vision, our business model focused on growing and acquiring critical resources that would support our business objectives. Through these continuing efforts, we are building a reputation as a strong alternative lender: delivering working capital solutions that meet our clients’ unique needs first and foremost.

JUL 2023

eCAPITAL NAMED IN INC. TOP 5,000

eCapital joins Inc. 5000 list of the fastest-growing private companies in America. This recognition is a testament to our unwavering dedication, innovative solutions, and the incredible work of our team. As we continue to scale and expand, we’re excited to push boundaries, deliver exceptional value, and drive even more success in the years to come.

AUG 2022

UMB BANK’S A/R DIVISION ACQUIRED

With the acquisition of UMB Bank’s Accounts Receivable Financing Division portfolio, eCapital significantly strengthened its service delivery across hundreds of small and medium-sized businesses throughout the important US Midwest region.

SEPT 2021

INSTAPAY ACQUIRED

With the acquisition of InstaPay Freight Factoring in November of 2021, eCapital further expanded its customer base across the essential transportation sector.

AUG 2020

REV FINANCIAL GROUP PORTFOLIO ACQUIRED

Added the factoring portfolio of REV Financial Group, Inc., based in Los Angeles, to give eCapital a stronger foothold in an important transportation hub on the West Coast.

JULY 2020

PROSPERITY FUNDING ACQUIRED

To strengthen its position as a specialty lender in the staffing industry eCapital acquired Prosperity Funding Inc., a Fort Lauderdale-based factoring company specializing in accounts receivable financing and working capital solutions.

FEB 2019

ECAPITAL ACQUIRED

The addition of eCapital in 2019 catapulted our freight factoring division into the top tier of providers in the U.S. market based on overall brand recognition and deal volume.

MAR 2017

GERBER FINANCE ACQUIRED

Our first major acquisition in 2017 launched us directly into the industry-leading New York marketplace in the high demand category of asset-based lending.

OCT 2022

CNF FINANCE ACQUIRED

The CNH acquisition created further opportunities for growth in the healthcare sector, aligning resources and expertise to expand our reach in this specialized industry.

NOV 2021

FLEXIBLE FUNDING ACQUIRED

eCapital acquired the assets of Flexible Funding in the fall of 2021, a Dallas-Fort Worth-based payroll funding company that specialized in funding support for the staffing industry. Their local presence was maintained as we added another major market to our US footprint.

AUG 2021

ADVANTEDGE COMMERCIAL FINANCE ACQUIRED

The acquisition of UK-based specialty lender and factoring company Advantedge Commercial Finance Ltd., expanded eCapital’s footprint internationally and helped grow the business into a new region and client base.

MAR 2020

BIBBY FINANCIAL SOLUTIONS ACQUIRED

The Bibby NA acquisition illustrated our commitment to enhancing our depth of resources within existing service areas, while also rapidly expanding our overall divisional volume and customer bases.

JUN 2019

ACCUTRAC CAPITAL SOLUTIONS ACQUIRED

With the acquisition of Accutrac Capital, we officially added another major alternative lending category: freight factoring, as we aggressively entered the $700 billion transportation sector.

JULY 2018

PARAGON FINANCIAL ACQUIRED

The second pillar of current service offerings was added in 2018 with the acquisition of Paragon Financial. Through Paragon, we were able to expand our focus into broader commercial finance (outside of the traditional banking system).

NOV 2006

COMPANY WAS FOUNDED

The financial roots of our organization were officially established in 2006.

JUL 2023

eCAPITAL NAMED IN INC. TOP 5,000

eCapital joins Inc. 5000 list of the fastest-growing private companies in America. This recognition is a testament to our unwavering dedication, innovative solutions, and the incredible work of our team. As we continue to scale and expand, we’re excited to push boundaries, deliver exceptional value, and drive even more success in the years to come.

OCT 2022

CNF FINANCE ACQUIRED

The CNH acquisition created further opportunities for growth in the healthcare sector, aligning resources and expertise to expand our reach in this specialized industry.

AUG 2022

UMB BANK’S A/R DIVISION ACQUIRED

With the acquisition of UMB Bank’s Accounts Receivable Financing Division portfolio, eCapital significantly strengthened its service delivery across hundreds of small and medium-sized businesses throughout the important US Midwest region.

NOV 2021

FLEXIBLE FUNDING ACQUIRED

eCapital acquired the assets of Flexible Funding in the fall of 2021, a Dallas-Fort Worth-based payroll funding company that specialized in funding support for the staffing industry. Their local presence was maintained as we added another major market to our US footprint.

SEPT 2021

INSTAPAY ACQUIRED

With the acquisition of InstaPay Freight Factoring in November of 2021, eCapital further expanded its customer base across the essential transportation sector.

AUG 2021

ADVANTEDGE COMMERCIAL FINANCE ACQUIRED

The acquisition of UK-based specialty lender and factoring company Advantedge Commercial Finance Ltd., expanded eCapital’s footprint internationally and helped grow the business into a new region and client base.

AUG 2020

REV FINANCIAL GROUP PORTFOLIO ACQUIRED

Added the factoring portfolio of REV Financial Group, Inc., based in Los Angeles, to give eCapital a stronger foothold in an important transportation hub on the West Coast.

MAR 2020

BIBBY FINANCIAL SOLUTIONS ACQUIRED

The Bibby NA acquisition illustrated our commitment to enhancing our depth of resources within existing service areas, while also rapidly expanding our overall divisional volume and customer bases.

JULY 2020

PROSPERITY FUNDING ACQUIRED

To strengthen its position as a specialty lender in the staffing industry eCapital acquired Prosperity Funding Inc., a Fort Lauderdale-based factoring company specializing in accounts receivable financing and working capital solutions.

JUN 2019

ACCUTRAC CAPITAL SOLUTIONS ACQUIRED

With the acquisition of Accutrac Capital, we officially added another major alternative lending category: freight factoring, as we aggressively entered the $700 billion transportation sector.

FEB 2019

ECAPITAL ACQUIRED

The addition of eCapital in 2019 catapulted our freight factoring division into the top tier of providers in the U.S. market based on overall brand recognition and deal volume.

JULY 2018

PARAGON FINANCIAL ACQUIRED

The second pillar of current service offerings was added in 2018 with the acquisition of Paragon Financial. Through Paragon, we were able to expand our focus into broader commercial finance (outside of the traditional banking system).

MAR 2017

GERBER FINANCE ACQUIRED

Our first major acquisition in 2017 launched us directly into the industry-leading New York marketplace in the high demand category of asset-based lending.

NOV 2006

COMPANY WAS FOUNDED

The financial roots of our organization were officially established in 2006.

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MORE ABOUT eCAPITAL

LEARN MORE ABOUT WHO WE ARE

WE’RE
CLIENT OBSESSED

Helpful, Easy & Fast

At eCapital, our entire service is about putting our clients first. That’s why we’re constantly innovating to make their financial experience helpful, easy, and fast. Whether they need to check a balance, transfer funds, or get expert advice, we’re here to empower them with the tools and resources they need – all delivered with a friendly and efficient approach. Our clients have a finite amount of time to spend on their finances, so we don’t waste it with complicated processes or needless hurdles–they join us to experience finance designed with them in mind.

Custom Financial Solutions

We understand that every business is unique. That’s why we don’t offer a one-size-fits-all approach. We’re client obsessed, and that means building custom asset-based finance solutions for our clients. Our team of experts will work closely with you to identify the assets that fuel your growth, then tailor a financing plan that unlocks their potential. We’re dedicated to helping our clients businesses thrive, and our flexible asset-based solutions provide the working capital they need to achieve their goals, all with the support and guidance of a dedicated partner.

WE’RE DESTINED TO
MAKE A DIFFERENCE

A new, client-focused approach

We’re dedicated to meeting the needs of our clients, guided by our core values. We meticulously focus on every detail of the client experience, ensuring we are always there to support them. This commitment results in more than half of our new clients coming from word of mouth and referrals. It’s all part of what we call being “client-obsessed.”

eCapital Values

Our core values represent the guiding principles we follow in conducting our business every day:

Agility

Companies that need better access to capital require an agile partner who can quickly solve problems and create solutions. We strive to be RESPONSIVE, highly ADAPTIVE and always EXPEDIENT in meeting our customer’s needs.

Accountability

Since our business is based on the movement of capital, we must be highly accountable in our actions. We place a consistent emphasis on being THOROUGH in our preparation, TRANSPARENT in our actions and ETHICAL in our decision-making.

Innovation

To deliver the best possible outcomes, we focus on technology and innovation in everything we do. We are SOLUTIONS FOCUSED when facing challenges, and FORWARD THINKING in applying innovation to strengthen our customer’s experiences.

Relationships

When working with customers, employees, partners and investors, strong relationships anchored in mutual TRUST are essential. We approach every relationship with a high level of INTEGRITY, and we provide CLARITY of purpose in everything we say and do.

Stepping up in hard times

Over a decade ago, in response to the global financial crisis, eCapital’s founders recognized a fundamental problem in the traditional financial system: it wasn’t serving everyday businesses effectively. They observed that traditional financial institutions treated their clients as an afterthought rather than the core of their business.

In 2006, eCapital was founded with a mission to disrupt the status quo and create a company that prioritizes everyday businesses, empowering them to take control of their business finances.

WE’RE LASER-FOCUSED
ON INNOVATION

Building a foundation

At eCapital, we are dedicated to innovation and excellence in financial solutions. To further enhance our service offerings, we are developing revolutionary proprietary software designed specifically to manage our diverse working capital products. This advanced software integrates cutting-edge technology and intuitive design to streamline processes, increase efficiency, and provide unparalleled flexibility. By leveraging this proprietary system, we can offer our clients a seamless, user-friendly experience while ensuring the highest level of accuracy and security. Our commitment to technological advancement not only sets us apart in the industry but also empowers our clients to achieve their financial goals with greater ease and confidence.

Making an impact

The development of our revolutionary proprietary software at eCapital is set to make a significant impact on small and medium-sized businesses (SMBs). By streamlining access to working capital products, our software will provide SMBs with faster and more efficient financial solutions tailored to their unique needs. This means reduced administrative burdens, quicker access to funds, and more flexible financial management options. As a result, SMBs can focus more on growth and innovation rather than being bogged down by complex financial processes. Our advanced software will enable these businesses to better manage cash flow, seize new opportunities, and navigate financial challenges with greater confidence and ease, ultimately contributing to their long-term success and stability.

Fostering passionate people

At eCapital, fostering an environment of innovation is at the core of our company culture. We believe that the best ideas come from a collaborative and supportive atmosphere where every team member feels empowered to think creatively and challenge the status quo. Our open-door policy encourages open communication and the free exchange of ideas, while our investment in continuous learning and development ensures that our team stays at the forefront of industry advancements. We provide the tools, resources, and autonomy needed for our employees to experiment, take calculated risks, and drive meaningful change. By nurturing a culture that values innovation, we not only enhance our own capabilities but also deliver cutting-edge solutions that meet the evolving needs of our clients.

WHERE WE ARE

DIGITALLY-FOCUSED
LOCALLY PRESENT

In an era where digital transformation dominates, our company steadfastly recognizes the enduring value of physical offices across the U.S, Canada and the U.K. These spaces not only anchor our local presence in key markets but also enable us to foster direct, meaningful connections with our clients and community. They serve as hubs for innovation and collaboration, where our teams can come together to drive forward our mission of reshaping finance.

By maintaining these offices, we blend the best of technology with the irreplaceable benefits of face-to-face interactions, ensuring we remain at the forefront of both customer engagement and fintech evolution.

Miami, FL (Headquarters)
20807 Biscayne Blvd, Suite 203, 33180, United States

New York, NY
8 West 40th, 14th Floor, 10018, United States

Atlanta, GA
360 Interstate North Parkway SE, Suite 630, 30339, United States

Nashville, TN
555 Marriott Drive, Suite 240, 37214, United States

San Diego, CA
5928 Pascal Court Suite 200, 92008, United States

Orillia, ON
174 West St S., L4N 3Z2, Canada

Boston, MA
One Marina Park Drive, Suite 1410, 02210, United States

Toronto, ON
1220, 155 University Avenue, M5H 3B7, Canada

Manchester, ENGLAND
Cotton House, Queen Street, M2 5HS

Glasgow, SCOTLAND
4th Floor North, 145 St Vincent Street, G2 5JF

Birmingham, ENGLAND
4th Floor, Waterloo House, 20 Waterloo Street, B2 5TB

Reading, ENGLAND
9th Floor, Reading Bridge House, George Street, RG1 8LS

Newport, WALES
Galahad House, Priory Drive, Langstone, NP18 2HJ

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