Des Moines, IA
This 100-bed skilled nursing facility in Iowa came under new ownership in l...
WORKING CAPITAL FINANCING YOU CAN COUNT ON
At eCapital, we make it easy to compare your financing options and choose the right solution for your client.
FINANCING SOLUTIONS FOR BANKERS
ALTERNATIVE FINANCING TO ACCELERATE ACCESS TO CASH
We are your ideal finance partner when a company’s credit needs are not a good fit for the bank. Our flexible financing solutions are driven by proprietary, industry-leading technology and efficient underwriting, with terms customized to meet virtually any need in any economy. As your specialty finance partner, we act as an extension of your team to deliver fast, flexible working capital financing that immediately improves business cash flow.
We understand that giving your clients the news that the bank cannot provide their credit facility can be difficult. We will ensure that your clients know how hard you work for them – and encourage them to keep treasury management and deposit accounts with you.
Get the Deal Done
When we say yes, we mean it. Rely on us to work quickly and efficiently to get the deal done–FAST.
Send them Back to the Bank
When your clients’ situation improves, you’re our first call. We refer them back to you.
Rely on Us
Professional service that puts your relationship with your client first, and goes beyond expectations.
PROSPECT PROFILE
Our working capital solutions are a great fit for companies in a variety of circumstances that impact cash flow. From start-ups and companies experiencing rapid growth, to turnaround and restructuring financing, we take a creative and flexible approach to financing that meets a company’s goals today and sets the company up for future success.:
- Business to Business
- Acquisitions and Re-capitalizations
- Customer Concentrations
- Tight or Negative Cash Flow
- Facility Size up to $40 Million
- Working Capital Shortages
- Highly Leveraged/Negative Net Worth
- Start-up, In a Turnaround or Rapid Growth
- Based in U.S, Canada or U.K
- Foreign A/R
- Annual Revenue up to $500 Million
INDUSTRIES WE SERVE
WE OFFER FUNDING SOLUTIONS 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.
SERVICE
CONSUMER PACKAGED GOODS
HEALTH AND BEAUTY
CONSULTING
OILFIELD SERVICES
WHOLESALE & DISTRIBUTION
APPAREL
TELCOM/WIRELESS
OUR FINANCIAL PRODUCTS
FINDING THE RIGHT FINANCING SOLUTIONS FOR YOUR CLIENTS
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.
WHY BANKERS CHOOSE US AS THEIR FINANCING PARTNER?
eCapital is an award-winning, industry-leader in the alternative 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:
FREQUENTLY ASKED QUESTIONS
How do you work with bankers?
We are your working capital financing partner focused on serving the funding needs of your business contacts who are not a good fit for your bank.
What financial products do you offer?
Our financial products include:
- Asset-based lending: Leverage assets to finance long-term profitable growth with maximum flexibility.
- Invoice factoring: Quickly release working capital from outstanding invoices.
- Lines of credit: Manage short-term cash flow needs.
- Asset refinancing: Release additional capital based on the value of inventory, machinery, and equipment.
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 bankers?
Our knowledgeable management team has forty years of experience partnering with bankers to serve the working capital financing needs of their contacts. We respect the relationship you have with your business contacts and will work to ensure that you retain any treasury management and deposit accounts. Through our mutually beneficial partnership, the business receives the credit required to reach their goals and exceptional service they can rely on.
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.