$7,000,000
A women’s apparel company based in New York sought a flexible financial solution to enhance its working capital. With a referral from their bank, th. . .
OUR SOLUTIONS
Accelerating your business with specialty financing solutions that maximize working capital
At eCapital, we deliver specialty financing solutions designed to unlock the full potential of your working capital. Whether you need to bridge cash flow gaps, fund growth initiatives, or navigate seasonal demands, our flexible, asset-based products are built to keep your business moving forward—quickly, efficiently, and with confidence.
Accounts Receivables Financing
Funding that unlocks working capital by advancing cash against your outstanding accounts receivable.
Acquisition Financing
Funding that supports business growth by providing capital to acquire another company or its assets.
Asset-based Lending
Revolving lines of credit secured by a combination of assets such as receivables, inventory, and equipment.
Asset Refinancing
A line of credit or short-term loan secured by the company’s existing, typically unencumbered, machinery, equipment, real-estate or inventory.
B2B Buy Now, Pay Later
Funding that enables buyers to defer payment while sellers get paid upfront—improving cash flow on both sides of the transaction.
CHOW Financing
Flexible funding designed to support ownership transitions, acquisitions, and business successions without disrupting operations.
DIP Financing
Funding that provides critical liquidity to companies undergoing bankruptcy, helping them maintain operations and restructure successfully.
Dynamic Discounting
A solution that lets buyers pay suppliers early in exchange for discounts, optimizing cash flow and reducing costs.
Exit Financing
Funding that supports businesses emerging from bankruptcy or restructuring, restoring stability and enabling a fresh start.
Freight Factoring
Financing that converts unpaid freight invoices into immediate cash flow to keep trucking operations running smoothly.
Healthcare Receivables Finance
Asset-based lending tailored for healthcare providers, leveraging receivables and assets to unlock working capital.
In-transit Financing
Financing that unlocks working capital tied up in goods while they are in transit, keeping your supply chain moving.
Inventory Financing
Flexible funding that leverages existing or incoming inventory to free up cash flow for operations and growth.
Invoice Factoring
Financing that advances cash against outstanding invoices, accelerating cash flow without taking on new debt.
Payroll Funding
Flexible financing that ensures consistent payroll delivery by unlocking cash tied up in accounts receivable.
Reverse Factoring
A solution that pays suppliers early on your behalf, while giving you extended payment terms to optimize cash flow.
Sales Ledger Financing
Funding that advances capital against your entire sales ledger, turning receivables into immediate working capital. Also, known as a Ledgered Line of Credit.
Supply Chain Finance for Buyers
Financing that helps buyers pay suppliers early while extending their own payment terms to preserve liquidity.
Supply Chain Finance for Suppliers
Financing that provides suppliers with early payments on approved invoices, improving cash flow without added debt.
LATEST TRANSACTIONS
Have a look at some clients we’ve helped in our latest transactions
SEE MORE TRANSACTIONS
BUSINESS FINANCING GUIDANCE
Find your dedicated financing specialist in the world of specialty finance
We are proud to have an exceptional team of professionals who share in our mission to accelerate access to capital for small to medium businesses. Our partnerships extend beyond mere associations; they are strategic alliances built on trust and a shared vision to support companies with the capital they need, when they need it.
We share a commitment to the long-term success of small to medium businesses, and our partnerships are enduring relationships focused on sustained growth and prosperity.
FIND YOUR PROFESSIONAL
Frequently asked questions
about specialty financing
What is specialty finance?
Specialty finance refers to customized funding solutions outside of traditional bank loans, designed to address specific business needs like cash flow gaps, growth financing, supply chain support, acquisitions, and more.
How is specialty finance different from traditional lending?
Unlike traditional lending, specialty finance focuses on asset strength, cash flow potential, or transaction structures—not just credit scores or historical financials. It offers greater flexibility and faster access to capital.
What types of businesses benefit from specialty finance solutions?
Small to mid-sized businesses, rapidly growing companies, seasonal businesses, companies experiencing liquidity challenges, or businesses undergoing ownership transitions often use specialty finance to stay agile and grow.
How fast can I access funds through a specialty finance solution?
Depending on the solution and business needs, funding can often be accessed within a few days—or even faster for receivables-based products like invoice factoring or supply chain finance.
Is specialty finance only for businesses with weak credit?
No. Specialty finance helps a wide range of businesses—including those with strong growth opportunities—by offering flexible, scalable capital that adapts to business cycles and changing needs, not just credit profiles.
How do I know which specialty finance product is right for my business?
An expert from eCapital will work with you to understand your goals, review your available assets, and recommend a tailored financing solution that fits your specific situation.
