Cash flow finance in the transportation industry—often in the form of freight factoring—gives carriers and freight brokers immediate access to funds by unlocking the value of unpaid freight invoices. Instead of waiting 30 to 90 days to get paid by brokers or shippers, transportation businesses can receive same-day or next-day funding. This ensures consistent cash flow to keep trucks moving and operations running smoothly.

Fuel prices, equipment maintenance, insurance premiums, and driver wages continue to rise. Cash flow finance gives trucking businesses the working capital they need—right when they need it. By converting unpaid invoices into immediate cash, companies avoid cash shortfalls that could disrupt operations or delay payroll. It’s a powerful tool to improve liquidity, reduce dependence on credit, and protect margins in a high-cost environment.

eCapital offers a wide range of transportation-specific financial solutions designed to meet the unique needs of carriers, fleets, and brokers. These include:

• Freight Factoring: Fast, flexible funding for your freight invoices.
• Fuel Discount Programs: Fuel cards that offer discounts of up to $0.20 per gallon at thousands of truck stops nationwide.
• AR-Based Lines of Credit: Revolving access to funds based on your accounts receivable balance.
• Quick Pay Programs: Advance payment options tied to specific brokers or shippers.
• Loyalty Rewards: Earn points and perks for using eCapital services, which can be redeemed for travel, electronics, or business tools.

Yes. Before you accept a load, eCapital allows you to run free credit checks on shippers and brokers to ensure they meet acceptable risk thresholds. If a customer is approved, your invoice can be funded—even if they’re a smaller or newer broker. This added visibility helps you make better decisions, reduce the risk of non-payment, and secure payment for more loads.

Absolutely. eCapital’s transportation finance solutions are scalable and customizable, making them ideal for:

• Owner-operators needing simple and fast access to funds
• Small and mid-sized fleets managing tight margins and high operating costs
• Large carriers looking to streamline back-office operations and optimize working capital
  Our team works closely with each client to tailor solutions based on business size, goals, and industry dynamics.

eCapital offers various financing options tailored to fleets of all sizes, including:

• Asset-Based Lending (ABL): A revolving line of credit secured by fleet assets such as trucks or trailers.
• Equipment Refinancing: Monetize equity in your rolling stock—such as trailers or heavy-duty equipment—by using it as collateral for a term loan, often at advance rates up to 75%.
• Sales Ledger Financing: Also known as confidential invoice discounting—access capital against your entire receivables ledger while maintaining control over collections and confidentiality.

Alternative financing offers several key advantages for fleet operators:

• Easier qualification: Approval is typically asset- and customer-based rather than credit-score driven, making it accessible even in volatile markets.
• Speed: Funding decisions and capital delivery happen much faster—often within days—compared to lengthy traditional loan processes.
• Lower oversight: Less red tape, reporting, or borrower covenants means more focus on operations and less time spent managing lender requirements.

Beyond pure financing, eCapital combines capital access with operational efficiency tools, such as:

• Fuel discount cards, offering real-time reporting, security controls, credit terms, and widespread acceptance across North America.
• Tech-enabled client platforms, including mobile apps and online dashboards, let drivers upload documents, track funding, request payments in under an hour, and manage accounts seamlessly.
• Additional savings: Access cost reduction programs for maintenance, tires, and fuel—all built into your financing strategy.