MIAMI, February 5, 2026 — eCapital Corp. (“eCapital”), a leading tech-enabled specialty finance provider for small and medium-sized businesses across North America and the United Kingdom, has delivered a $17.5 million asset-based lending facility. The facility advances against both accounts receivable and inventory to support the working capital needs of a multi-generational consumer products distributor in the arts and crafts sector, headquartered in the Midwest.
The company operates at a significant scale, with a long-established presence in its category and a national distribution footprint. Its broad supplier network, inventory-intensive operating model, and continually expanding product catalogue required a financing structure capable of providing the liquidity needed to support seasonal demand, fund inventory, and enable ongoing new product introductions.
Referred to eCapital by the company’s financial advisor, the business sought to replace a more restrictive bank structure that no longer aligned with its operating model or growth profile. eCapital structured a flexible facility that increased availability through higher advance rates on accounts receivable and inventory, accommodated certain operational ineligibles, and allowed for cash interest on subordinated debt, while executing efficiently to ensure continuity across supply and fulfillment operations.
“eCapital works with businesses across consumer and distribution-driven industries that require customized capital structures to support complex operating models,” said Brian Cuttic, EVP, Asset-based Lending at eCapital. “Our focus is on delivering solutions that align with how these companies operate and where they are in their growth cycle.”
“From the outset, it was clear this was a highly disciplined operator with a deep understanding of its inventory, customers, and supply chain,” said Michael Conrad, SVP, Business Development Officer at eCapital. “Partnering closely with the management team, our goal was to ensure the business had the liquidity it needed to run confidently and without interruption.”
eCapital delivers solutions that help businesses unlock liquidity, drive performance, and move forward. With reach across North America, the company empowers clients in more than 80 industries through financing delivered with clarity, flexibility, and expertise.
About eCapital Corp
eCapital is committed to accelerating access to capital for companies in the United States, Canada, and the United Kingdom. By leveraging a team of over 800 experts and proprietary, industry-leading technology, eCapital is creating the future of business funding. With a full suite of products such as healthcare receivables financing, asset-based lending, payroll funding, supply chain financing, and accounts receivable financing, eCapital ensures that businesses have the funds they need to do more. Through its Healthcare, ABL, Staffing, Consumer Goods, Factoring, and Transportation divisions, eCapital delivers customized funding solutions to more than 80 industries. To learn more about eCapital, visit eCapital.com.
