Factoring for Small Businesses
Fast, simple, flexible funding for small businesses.
Let’s Talk
See what we can do for your business.
"*" indicates required fields
Get up to $250,000
Funding Within Days
Are you a small business or startup with an immediate cash flow need? eCapital’s flexible financing solution turns your unpaid invoices into the cash you need to make payroll, fulfill new orders and contracts, purchase inventory, pay vendors and relieve short-term or seasonal cash flow problems.
Here’s What You Can Expect
Next- Day Funding
Get paid on your invoices faster.
Simplicity
Easy to arrange.
Transparent
3.5% fixed fee per invoice.
No Long-Term
Commitment
Rolling one-month contracts.
Personal Service
We dedicate a customer service rep to you.
Accesible 24/7
Check on your account with our Client Portal.
How Factoring for Small Business Works
- INVOICE YOUR CUSTOMER.
Send us a copy - GET UP TO 90% OF THE VALUE OF YOUR INVOICE IN 24 HOURS.
Within 24 hours, we will advance up to 90% of the invoice value to you. - WE COLLECT PAYMENT ON YOUR BEHALF.
Leaving you to focus on running your business. - WE RETURN REMAINING BALANCES TO YOU.
We just take the agreed fee for each invoice.
Factoring is A Good Fit
Factoring for small business is a good solution for your small business if:
Are a startup or established business
Require less than $250,000 in funding
Are unable to obtain traditional bank financing
Are experiencing rapid growth
Need to bridge a cash flow shortage
Looking for short-term financing
Client Success Story
See how faster access to working capital gave this small business a major competitive advantage.
What Our Clients Say
Tom, New Jersey
“They care about us, and I have the best account representative out there. I feel like she’s family.”
Victor, Washington D.C.
“eCapital is twice as reliable as a hard lender and twice as cost-effective.”
Scott, Minnesota
“We are very happy with our relationship with eCapital. Our account manager is the best! He is always easy to reach and happy to help with any questions we have – and he pushes things through when we need it”
Andi, Texas
“eCapital makes it simple. You send through the documentation online and the factoring line is in your account when you expect it. It’s just a process that works.”
Aldora, New Hampshire
“Our account manager is phenomenal. The process and communication are excellent. We have been quite impressed, especially having a previous company as a point of comparison.”
Ken, Virginia
“eCapital helped me to set up my company’s factoring service within a couple of weeks. They walked me through the entire process and were a great help from beginning to end. I have worked with many banks in my past positions and I have rarely worked with someone who worked so quickly to make things happen.”
Andy, California
“eCapital has been key in assisting without international expansion in North America and Central Europe.”
Chris, New Jersey
“We researched and interviewed a number of factors and other lenders. In the end, eCapital’s formula for receivables financing was the best for our needs.”
David, California
“We chose eCapital Commercial Finance at first because of their reputation and expertise in the apparel industry and we’ve stayed because of our relationship with their support team and the assurance we have that the money we need will always be there.”
Mary, Washington
“eCapital worked with us to create a flexible financing platform that allows us to take advantage of opportunities as they arise, and we appreciate the team’s accessibility. Decisions are made and communicated quickly to avoid disrupting the business flow.”
Shirish, Kentucky
“When we meet with potential new business, we tell them that we have financial support from an international conglomerate. Our relationship with eCapital Commercial Finance allows us to take on additional business much easier than it would be working with a traditional bank.”
Joseph, New York
“eCapital helps us overcome hurdles and just makes things easier. Equipment gets dropped off, we pick it up and handle everything – right across borders – until it reaches its destination.”
Greg, Colorado
“One thing that eCapital does well is they’re great on customer service on the day-to-day account manager’s side. They’re fantastic to work with. They do whatever they can help you and are always available, similar to how traditional banking worked 30 years ago.”
Kenneth, North Carolina
“The whole financial package is just perfect for small companies. eCapital Commercial Finance’s solution addressed all of our problems. Every small company should have a lender that will work with them to overcome obstacles, like eCapital does.”
Let's Talk
See what we can do for your business.
