From subordinated debt to off-balance sheet options, our specialty financing helps you retain clients, solve complex credit needs, and close more deals without stretching internal risk parameters.
Built for bankers managing clients with evolving credit needs, our specialty financing solutions deliver timely liquidity—supporting continued service, preserving deposit relationships, and helping clients succeed beyond traditional lending limits.
Our streamlined underwriting and responsive team make it easy to move fast, meet tight deadlines, and close complex deals without operational friction.
Our capital structures are built to support restructuring goals, providing the flexibility needed to relieve pressure and restore financial control.
When your client needs liquidity you can’t provide internally, we step in as a partner, not as a competitor, helping you retain trust and long-term value.
When traditional credit limits fall short, our financing options fill the gap without displacing the primary banking relationship. Whether your client needs working capital to navigate volatility or fund growth, we help preserve your role while unlocking new liquidity.
We provide non-bank capital solutions that extend your capabilities—ideal for clients who fall outside traditional credit criteria.
Keep relationships in-house by introducing a flexible funding partner that helps your clients access liquidity without exiting your ecosystem.
Our streamlined underwriting model gets deals moving—perfect for clients who need speed without sacrificing structure.
From covenant breaches to seasonal gaps or rapid growth, we specialize in transactions that require creativity and speed.
We offer a way to offload risk or support declined borrowers while preserving your primary banking relationship.
Our deep experience across sectors such as logistics, staffing, healthcare, manufacturing means you can confidently refer us your most complex deals.
We specialize in helping your clients access capital when traditional bank financing isn’t an option—whether due to covenants, timing, or deal structure. From receivables-based lending to inventory and equipment facilities, our solutions support your efforts to retain and grow high-value relationships.
Need help figuring out which solutions are best for your clients?
Our experts are here to make funding simple, clear, and stress free.
OVERVIEW
A commercial banker managing a long-term client relationship is forced to transition a borrower out of the bank due to repeated covenant breaches tied to cash flow pressure and declining EBITDA.
CHALLENGE
The bank needs to protect its position while maintaining goodwill with the client, who still has a viable core business but is no longer a fit for the credit policy. Timing and reputation are critical.
SOLUTION
eCapital provides a $6 million asset-based lending facility secured by receivables and inventory, allowing the client to refinance out of the bank. The banker preserves the relationship and frees up internal risk exposure, with a potential reboarding opportunity once the business stabilized.
OVERVIEW
A regional bank refers a long-term commercial client, a $25M-revenue manufacturing firm, that has exceeded its borrowing base due to rapid growth and delayed receivable collections. The bank wants to preserve the client relationship but needed to reduce short-term exposure.
CHALLENGE
The company faces liquidity strain as sales outpace cash inflows. Extended customer payment terms create a widening gap between receivables and payables. Increasing the bank line is not an option within policy limits, but a referral outside the bank’s network risks losing the client.
SOLUTION
eCapital works with the bank to implement a $7 million accounts receivable financing facility that immediately stabilize cash flow. The facility is structured as a bridge, allowing the company to continue meeting supplier and payroll obligations while maintaining its depository relationship with the bank. Within twelve months, the client successfully returns to full bank financing, preserving a valuable relationship for the institution.
OVERVIEW
A commercial banker is managing a long-standing distribution client that had fallen out of covenant compliance following an industry slowdown. The client remains profitable but requires immediate working capital to maintain operations and avoid default escalation.
CHALLENGE
The bank’s credit team is unable to extend additional financing due to regulatory constraints, yet the banker wants to help the client stabilize and avoid reputational damage for both parties. The bank seeks an alternative lending partner that can move quickly and uphold relationship transparency.
SOLUTION
eCapital evaluates the company’s collateral base and structures a $10 million asset-based lending facility secured by receivables and inventory. The new facility provides the liquidity needed to meet obligations, satisfy suppliers, and preserve the bank’s senior position through a clearly defined intercreditor agreement. As performance improves, the client re-qualifies for a conventional bank line and seamlessly transitioned back under the bank’s portfolio.
OVERVIEW
A commercial banker refers a client, a logistics company preparing for a management buyout, that needs bridge financing to close the transaction and sustain operations during the transition. The bank wants to remain the long-term partner post-buyout but could not extend interim credit under its internal lending policy.
CHALLENGE
The client faces a short closing window and needed immediate liquidity to fund the buyout, cover working capital gaps, and maintain operations. Without financing, the deal risks collapsing, jeopardizing both the transaction and the bank’s future relationship with the new ownership group.
SOLUTION
eCapital partners with the bank to structure an $8 million bridge facility leveraging receivables and equipment as collateral. The transaction closes on schedule, ensuring operational continuity and preserving the client’s banking relationship. Once the ownership transition stabilizes, the client refinances back into a traditional bank facility, achieving a successful outcome for all parties.
Bankers partner with eCapital when clients need financing that goes beyond traditional bank parameters—fast, flexible capital solutions designed to complement your existing offerings without conflict.
From $5 million growth facilities to $50 million recapitalizations, we deliver bespoke credit structures that align with the client’s objectives while supporting your institution’s relationship strategy. Our specialty finance expertise allows us to step in where banks must step back, offering transitional, non-bank capital that bridges the gap without disrupting long-term banking relationships.
We act quickly, think creatively, and execute with discipline, enabling you to serve more clients, strengthen relationships, and close complex transactions with confidence. With eCapital, you’re backed by a lender who respects your role, protects your position, and helps you deliver more value to your portfolio.
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eCapital partners with banks to provide alternative financing solutions for clients who temporarily fall outside traditional lending criteria. Our flexible, asset-based funding allows banks to maintain valued relationships while ensuring their clients still receive the capital they need to remain strong and solvent.
Client protection is central to every partnership. eCapital operates as a trusted, behind-the-scenes funding partner, not a competitor. The client remains under the bank’s primary relationship, and our team provides transparency, regular updates, and full cooperation throughout the engagement to preserve that trust.
Yes. eCapital’s goal is to bridge liquidity gaps and strengthen clients until they once again meet bank lending requirements. Many of our successful engagements transition back into conventional credit relationships with their referring bank once stability and compliance are restored.
Open communication is central to our approach. eCapital provides timely updates throughout underwriting, funding, and the ongoing relationship. We coordinate with the referring banker to ensure the client’s progress is tracked and that re-entry into traditional banking remains an achievable outcome.
eCapital can complement existing facilities by providing additional liquidity through subordinate or carve-out structures. For clients with senior debt, we can work alongside the bank under an intercreditor agreement that clearly defines roles and maintains the bank’s position while enhancing the client’s liquidity.
Yes. eCapital frequently assists businesses that are under forbearance, experiencing covenant pressure, or temporarily out of compliance with existing bank terms. We provide immediate liquidity to stabilize operations and, when appropriate, collaborate with the bank to facilitate an orderly transition or eventual reinstatement.
eCapital can structure either option depending on the bank’s preference. We often act as a complementary lender, providing liquidity through a subordinated or carved-out structure. In other cases, we may purchase the facility entirely, freeing up the bank’s capital while maintaining a cooperative relationship for future re-entry.
Bankers can initiate a partnership by reaching out directly to eCapital’s business development team. After an initial discussion to understand your client base and credit approach, we’ll assign a dedicated relationship manager who collaborates with your team to identify opportunities and ensure smooth client referrals.
