DEBT ADVISORS AND COUNSELORS

GET THE BUSINESS BACK ON TRACK

Immediately restore financial health with a fast, flexible working capital solution.

Let’s Talk

See how we can help

    By opting-in and submitting this form you consent to receive marketing email and text messages (e.g. promotions, product information, industry insights, etc.) from eCapital. See our Privacy Policy for further information.
  • This field is for validation purposes and should be left unchanged.

Let’s Talk

See how we can help

    By opting-in and submitting this form you consent to receive marketing email and text messages (e.g. promotions, product information, industry insights, etc.) from eCapital. See our Privacy Policy for further information.
  • This field is for validation purposes and should be left unchanged.
DEBT ADVISORS AND COUNSELORS

MAXIMIZE CASH FLOW & RESTORE FINANCIAL STABILITY

Cash flow is critical to business health and success. At eCapital, we solve cash flow challenges with fast, flexible working capital solutions that support future growth. 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.

As your financing partner, we will apply our in-depth industry expertise to customize funding to meet the needs of
the business.

FINANCING FOR BUSINESSES IN DISTRESS

A distressed business is not a failing business. Our working capital solutions are designed to promote business recovery. In every distressed business is not a failing business. Our working capital solutions are designed to promote business recovery. In every stage of business distress there is opportunity to unlock working capital and get the business back on track.

BUSINESS INDICATORS

* 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

FINANCIAL INDICATORS

* 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

BUSINESS INDICATORS

* Customer attrition
* Increasing or excessive overhead costs
* Falling margins and other profit modifiers
* Expedited or missed shipments
* Loss of key customers
* Regulatory inquiries
* Management turnover
* Declining relationship with the bank
* Poorly planned business succession

FINANCIAL INDICATORS

* High levels of outstanding receivables
* High interest payments
* Borrowing to cover shortfalls
* Rejection of additional credit from lender
* Sustained decline in revenue
* Declining EBITDA margins
* Late payments to creditors
* Out-of-formula loans
* Unresolved near-term debt maturities
* Large contingent liabilities
* Going-concern opinion

BUSINESS INDICATORS

* Undue optimism
* Forbearance letter received
* Increasing staff attrition
* Decreased morale and management issues
* Unexpected sales of stock and assets

FINANCIAL INDICATORS

* Taxes are not being paid
* Payroll is in danger of being missed
* Vendors cut off credit
* Employee benefits have not been paid
* Current liabilities exceed current assets
* Reduction in force (RIF)
* Payments on deliver of product (POD)
* Full vendor payment triage
* Restructuring professionals brought in

RAPID CASH FLOW
SOLUTIONS

Turnaround challenges demand innovative and customized financial
strategies. Count on our expertise to deliver immediate impact to the
bottom line with financial solutions for the following circumstances:

  • Article 9 Secured Transaction
  • Section 363 Sale
  • Chapter 11 Bankruptcy
Work With Us
INDUSTRIES WE SERVE

WE OFFER FUNDING SERVICES FOR ALL TYPES OF BUSINESSES

We specialize in the provision of working capital solutions to businesses across North America and the UK. You can rely on our industry experts to get your client’s business back on track and set up for future success.

TRANSPORTATION & LOGISTICS

MANUFACTURING

STAFFING

FOOD & BEVERAGE

SERVICE

CONSUMER PACKAGED GOODS

HEALTH AND BEAUTY

CONSULTING

OILFIELD SERVICES

WHOLESALE & DISTRIBUTION

APPAREL

TELCOM/WIRELESS

OUR SOLUTIONS FOR DEBT ADVISORS/DEBT COUNSELORS

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.

Asset-Based Lending

Advance rates on collateral:

  • Up to 90% of the value of accounts receivable
  • Up to 75% of NOLV of inventory
  • Up to 75% on equipment
  • Up to 50% on real estate

Facilities up to $50 million. Flexible and covenant light.

Invoice Factoring

Advance rates on the value of accounts receivable:

  • Transportation: Up to 100%
  • Staffing: Up to 95%
  • Other Industries: Up to 90%

Notified or confidential.

Recourse, Non-Recourse and Off-Balance Sheet structures.

90 days outstanding, up to 120 days in some cases.

Visa Commercial Cards, InstaPay and self-directed funding.

Lines of Credit

Credit amounts based on collateral values. Seamless integration and online account management.

Asset Refinancing

  • eCapital clients can release additional working capital based on the valuation of equipment.
  • Up to 75% of the appraised value.

eCapital and its team of experts are proud members of

RECENT TRANSACTIONS

  • New York, NY
  • Alberta and Georgia
  • Edmond, OK
  • Humble, TX
New York, NY

$16,000,000 FUNDED

When this apparel company out of New York was up for renewal with their cur...
Read MoreSee More Transactions

WHY CHOOSE US AS YOUR FINANCING PARTNER?

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

Flexible and Responsive

We understand the unique challenges of turnaround situations and work with you to find creative solutions.

Maximum Valuations

We provide industry-leading valuations on assets with up to 85% Net Orderly Liquidation Value (NOLV).

Better Value

We offer the highest asset valuations at competitive Annual Percentage Rates (APR).

Industry Expertise

Due to our extensive years of experience in 80+ industries, we’re able to quickly provide your business with a tailor-made solution.

Unparalleled Management

You can count on our team to be a valued consultant for the life of your financing and beyond. Your success is our success.

Fast & Easy Application

Applications are received, reviewed, and qualified within days and we pride ourselves on quick, easy & honest service.

OUR INDUSTRY PARTNERS

POWERFUL PARTNERSHIPS THAT PAVE THE WAY FOR SUCCESS

As a member of the alternative financing and commercial lending space for over 25 years, we’ve fostered partnerships with the industry’s leading organizations. Here are a few of those organizations you may recognize:

LEARN MORE ABOUT OUR FINANCING SOLUTIONS

Reviving Success: How an Asset-Based Loan Rescued a Struggling Portfolio Company

In the world of private equity, investments often come with the promise of ...
Read More

Overcoming Financial Distress With Alternative Financing

It’s been nearly four years since the onset of the COVID-19 pandemic. As ...
Read More

5 Signs Your Company Might Be Suffering from Poor Financial Health

In challenging market conditions, business owners can get caught up in the ...
Read More

FREQUENTLY ASKED QUESTIONS

How do you work with debt advisors and debt counselors?

We are your partner in developing a debt restructuring solution that will help your client turn their business around. We will help alleviate financial pressures, optimize the capital structure, and support the working capital needs of the business. Our flexible and customized approach enables us to act quickly and efficiently to manage the debt, reduce financial risks, and set a path toward long-term financial stability and success.

What makes your products a good fit for debt restructuring?

Our financial products are designed to deliver to immediate impact to a company’s bottom line. Benefits include:

  • The highest asset valuations at competitive annual percentage rates (APR).
  • Industry-leading valuations on assets with up to 100% on accounts receivable and 85% net orderly liquidation value (NOLV) of inventory.
  • A fast and easy application process with qualification within days.

What is your typical timeline to fund a transaction?

There are many factors that impact the time it takes to fund a transaction. Generally, a factoring facility can be completed in less than 30 days and an asset-based lending facility within 30 to 45 days.

What makes eCapital a great partner for debt advisors and debt counselors?

Our knowledgeable team has extensive experience working through turnaround financing and restructuring financing. With forty years of experience in turnaround financing and many members of our senior management team involved in the Turnaround Management Association (TMA), we have a deep understanding of the turnaround and restructuring process.

How do I refer a client to eCapital?

If you have a client that may benefit from our financing solutions, complete the form above or give us a call. You’ll be connected with a funding specialist to discuss how we can help.

How do I become an eCapital partner?

Reach out to us expressing your interest in becoming a partner by filling out the form above or giving us a call. Our partner team will be happy to assist you.

Let's Talk

Get started today.