Working capital solutions that are good for you – and your clients.

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Let’s Talk

See how we can help

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Business is built on strong partnerships and we never forget it. Commercial finance brokers count on us to provide the right funding solution for their clients. Our range of flexible, personalized financial products combined with nearly 20 years of experience and an industry-leading commission structure lead to winning scenarios.

We’re here to help you get businesses the funding they need to achieve their goals.


Make the MOST MONEY with unlimited income from multiple products.

Get FAST MONEY as deals close in as little as 48 hours.

Earn EASY MONEY selling cash flow solutions that clients want.


Get SMART MONEY with cost-effective financing and long-term benefits.

Take advantage of MORE MONEY with industry-leading advance rates.

Have FLEXIBLE MONEY with terms designed to meet unique needs.



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.


  • Markham, ON
  • Calgary, AB
  • Des Moines, IA
  • Wayne, NJ
Markham, ON

$3,500,000 FUNDED

With a legacy spanning over 40 years, the manufacturer, once the pioneering...
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eCapital is an award-winning, industry-leader in the commercial funding space. Here are a few reasons why businesses choose eCapital as their finance partner:

Most Money

Get paid for every deal we fund, with no limit on what you can earn.

Fast Response

Can we do the deal? We’ll let you know as soon as the same day.

Easy Process

All we need from you is an introduction to your client – we’ll take care of the rest!

Industry Expertise

Rely on our dedicated teams for in-depth industry knowledge.

On Demand Reporting

View status reports for every referral submission and track deal progress.

Training and Resources

We help you build your business with educational opportunities and marketing support.


Earn big with every referral. Our generous commission structure allows you to maximize your earnings across our range of products. Send your clients our way and get paid for every funded deal.



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:


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Survive and Thrive: How to Rescue Your Business from Insolvency and Grow

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How do I become a commercial finance broker partner?

Once you have a solid understanding of our offerings, reach out to us expressing your interest in becoming a broker partner by filling out the form above or giving us a call. You’ll be connected with our Partners team and begin the setup process for our broker program.

Do you offer financing for consumer businesses (B2C)?

No, at eCapital, we specialize in providing financing solutions for a wide range of businesses, but this does not include those that operate in the consumer sector (B2C).

What are your preferred asset classes for asset-based loans?

At eCapital, we have a diverse range of preferred asset classes for asset-based loans. We understand that businesses have unique financing needs, and our asset-based lending solutions are designed to provide flexible and tailored options based on the specific assets you have available. Some of our preferred asset classes for asset-based loans include:

  1. Accounts Receivable: Financing based on outstanding invoices can provide your business with immediate cash flow to cover operational expenses, expansion, and other financial needs.
  2. Inventory: If your business holds substantial inventory, we can provide financing using your inventory as collateral. This can help optimize your working capital and keep your supply chain running smoothly.
  3. Equipment and Machinery: Financing against equipment and machinery can assist with purchasing or upgrading essential assets, helping you maintain productivity and stay competitive in your industry.
  4. Real Estate: Real estate can be used as collateral for asset-based loans, allowing you to unlock the value of your property and invest in business growth.
  5. Vehicles: Whether it’s a fleet of vehicles or specialized machinery, using vehicles as collateral can provide the financing required to maintain and expand your operations.
  6. Raw Materials and Commodities: Businesses in industries such as manufacturing and agriculture can leverage their raw materials and commodities as collateral for financing needs.
  7. Intellectual Property: If your business holds valuable patents, copyrights, or trademarks, you can explore using your intellectual property as collateral for financing.
  8. Retail and Consumer Assets: Depending on your business model, assets like retail inventory, consumer goods, and receivables from consumer sales can also be considered for asset-based financing.

Our approach is flexible and customizable, ensuring that we work closely with you to understand your business’s unique asset structure and financing requirements. If you’re interested in exploring asset-based loan options tailored to your specific asset classes, please contact us. Our team is ready to guide you through the process and find the best financing solution for your needs.

What documentation do you require to review a deal?

At eCapital, we strive to make the financing process as efficient and streamlined as possible. To review a deal and provide you with the best possible financing solution, we typically require certain documentation that helps us understand your business, its financial health, and the collateral being offered. While specific documentation needs may vary based on the nature of the deal and the type of financing you’re seeking, here’s a general list of documents that we often request:

  1. Application Form: Our initial application form captures basic information about your business and the financing you’re seeking.
  2. Financial Statements: This includes your business’s balance sheet, income statement, and cash flow statement. These documents provide insights into your financial performance and stability.
  3. Accounts Receivable Aging Report: If seeking financing against accounts receivable, an aging report helps us understand your outstanding invoices and the creditworthiness of your customers.
  4. Inventory Report: If using inventory as collateral, an inventory report details the types and quantities of inventory you have, along with their values.
  5. Accounts Payable Aging Report: Understanding your payables helps us assess your cash flow management and financial obligations.
  6. Business Plan: Providing a business plan can help us understand your company’s goals, strategies, and how the financing will contribute to your growth.
  7. Purchase Orders or Contracts: If using purchase orders or contracts as collateral, sharing these documents helps us assess the value and viability of the deals in progress.
  8. Tax Returns: Recent business and personal tax returns provide insights into your financial history and tax obligations.
  9. Personal Financial Statements: Particularly relevant for smaller businesses or closely held companies, personal financial statements can help assess the financial health of key stakeholders.
  10. Legal Documents: Any relevant legal documents, such as articles of incorporation, partnership agreements, or contracts related to the collateral being offered.
  11. Bank Statements: Recent bank statements help us understand your cash flow patterns and financial activities.
  12. Ownership and Management Structure: Information about key stakeholders, management, and ownership structure.

Please note that the documentation required may vary based on factors such as the type of financing, the collateral being offered, and the specific nature of your business. Our goal is to work closely with you to ensure a smooth and efficient application process. Once you express interest in financing, our team will guide you through the specific documentation requirements relevant to your deal.

When will I receive my commission?

In most cases, your commission will be paid upon the successful closure of the financing deal. This means that once the client’s application is approved, the financing is finalized, and all necessary paperwork and documentation are completed, your commission will be processed.

How strict are eCapital's approval requirements?

The strictness of eCapital’s approval process can vary based on factors such as the type of financing, the applicant’s financial situation, the collateral being offered, and the lender’s risk assessment policies. Here are some general points to consider:

  1. Risk Assessment: Like any lending institution, eCapital needs to assess the risk associated with each financing application. This includes evaluating factors such as the applicant’s creditworthiness, business stability, cash flow, collateral value, and the overall financial health of the business.
  2. Documentation: The accuracy and completeness of the documentation provided by the applicant can play a significant role in the approval process. Properly documented financial information helps lenders make informed decisions.
  3. Collateral: For asset-based financing, the value and quality of the collateral being offered can impact the approval decision. Strong collateral can mitigate risks for the lender.
  4. Business Type and Industry: eCapital may have specific preferences or requirements for the types of businesses and industries they work with. Some industries may be considered higher risk, affecting the approval criteria.
  5. Deal Complexity: The complexity of the financing deal, the amount being requested, and the terms of the financing can influence the approval process. Larger or more intricate deals might undergo more thorough scrutiny.
  6. Credit History: The credit history of the applicant and the business can be a significant factor. While alternative lenders like eCapital may have more flexible credit requirements compared to traditional banks, creditworthiness is still a consideration.
  7. Purpose of Financing: The intended use of the funds can also influence the approval decision. Lenders may want to ensure that the financing aligns with the borrower’s business goals and objectives.
  8. Communication: Open and transparent communication between the applicant and eCapital’s team can play a role in the approval process. If there are any challenges or unique circumstances, addressing them proactively can be beneficial.

It’s important to note that each financing application is unique, and the approval process can vary accordingly.

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