Empower your clients with non-traditional funding options built for urgent, complex situations. Our capital and flexible structures help you deliver relief, restore stability, and protect long-term value.
Built for professionals guiding businesses through financial distress, our solutions deliver timely liquidity to reduce pressure, restructure obligations, and create a clear path toward operational stability and long-term recovery.
Our capital structures are built to support restructuring goals —providing the flexibility needed to relieve pressure and restore financial control.
When time is critical, we move fast. Our streamlined process helps you secure working capital exactly when your client needs it most.
Work with a team experienced in complex financial recoveries—delivering reliable execution, clear communication, and client-sensitive solutions.
Ideal for clients facing financial strain, our working capital solutions unlock liquidity from existing assets, helping reduce debt pressure, preserve operations, and pave the way toward long-term recovery.
We move quickly and adapt to each situation, helping you deliver timely solutions that align with your client’s restructuring plan.
Our capital isn’t tied to traditional lending models, making us a strong fit for clients who don’t qualify for conventional credit.
Tap into the value of receivables, inventory, or equipment to create immediate working capital without adding long-term debt.
We design repayment structures that reflect each client’s cash flow reality, easing pressure and improving sustainability.
Our efficient evaluation process means fewer delays so that you can act quickly and keep recovery plans on track.
We’re more than a lender—we’re a partner. Get dedicated support from a team experienced in turnarounds, insolvencies, and restructurings.
With years of experience supporting distressed businesses, we understand what’s needed to regain control. From fast access to working capital to flexible refinancing structures, here’s some popular solutions to help you deliver relief and restore momentum:
Need help figuring out which solutions are best for your clients?
Our experts are here to make funding simple, clear, and stress free.
OVERVIEW
A debt advisor is engaged by a mid-sized distributor burdened by high-interest merchant cash advances and daily repayment pressure. The business is generating consistent revenue but couldn’t break the cycle of expensive short-term debt.
CHALLENGE
Traditional refinancing isn’t an option due to the company’s impaired credit and existing liens. The advisor needs a lender willing to work creatively and move quickly to refinance and stabilize the business.
SOLUTION
eCapital structures a $5 million asset-based lending facility, using receivables and inventory as collateral. This allows the advisor to eliminate the MCA debt, reduce daily cash strain, and reset the business on a path toward long-term financial sustainability.
OVERVIEW
A debt advisor approaches eCapital on behalf of a mid-market manufacturer struggling under a restrictive term loan and maxed-out credit line. The company has strong receivables and steady sales but lacks the flexibility to meet lender covenants while funding seasonal inventory demands.
CHALLENGE
The client’s incumbent lender is unwilling to extend additional credit, and cash flow shortfalls are beginning to threaten supplier relationships. The advisor needs a financing partner capable of acting quickly to stabilize liquidity while they negotiate a longer-term refinancing plan.
SOLUTION
eCapital works alongside the debt advisor to structure a $10 million asset-based lending facility secured by receivables and inventory. The revolving facility provides immediate access to working capital, enabling the client to reduce debt pressure and normalize payables. The advisor successfully completes a full refinancing within six months, while the company maintains uninterrupted operations and improved credit standing.
OVERVIEW
A corporate debt advisory firm is managing a recapitalization for a rapidly growing distribution client that has outpaced its banking facilities. The client requires short-term liquidity to meet supplier payments and maintain growth momentum during the transition.
CHALLENGE
The recapitalization process involves multiple lenders, investors, and complex collateral arrangements. Timing is critical. The company risks losing key contracts if working capital isn’t restored within weeks. The advisor needs a flexible funding partner that can deploy capital quickly without disrupting the larger transaction.
SOLUTION
eCapital partners with the advisor to deliver a $12 million bridge facility, leveraging the client’s receivables and inventory. Funding is completed within ten days, providing stability during the recapitalization period. Once the transaction is closed, the bridge is refinanced into a long-term structure, allowing the client to maintain its growth trajectory and the advisor to complete the engagement successfully.
OVERVIEW
A debt advisor representing a regional logistics company engages eCapital after the client breached loan covenants with its bank. The business remains viable but is struggling with delayed customer payments, rising fuel costs, and lender pressure to reduce exposure.
CHALLENGE
The advisor needs to secure immediate funding to cover payroll and supplier obligations while developing a longer-term restructuring plan. The bank’s credit team has frozen availability, creating an urgent need for a liquidity bridge to prevent operational disruption.
SOLUTION
eCapital structures a $6 million accounts receivable financing facility that provided immediate access to working capital. The facility stabilizes operations, preserves jobs, and allows the advisor to negotiate a revised debt structure with the bank. Within a year, the client has improved its balance sheet and successfully transitioned back into traditional banking.
Debt advisors turn to eCapital when traditional financing falls short and clients need creative, time-sensitive solutions. We specialize in situations where speed, flexibility, and deep structuring expertise are essential—from recapitalizations to balance sheet resets.
Our team works hand-in-hand with debt advisors to evaluate options, preserve stakeholder value, and chart the most efficient path forward. Whether it’s a $5 million DIP facility or a $50 million restructuring package, we craft facilities designed to stabilize operations and create breathing room for transformation.
We’re not just funding transactions—we’re solving problems. Backed by strong institutional resources and an agile credit process, eCapital offers the continuity, communication, and credibility you need in a financing partner. Through every stage of distress or transition, we’re here to help you deliver outcomes with confidence.
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eCapital partners with debt advisors to provide fast, flexible working capital solutions for clients who need liquidity, refinancing, or bridge funding. We work collaboratively to deliver financing structures that complement your strategic guidance and preserve your client relationships.
Debt advisors often encounter clients that need immediate funding or fall outside traditional bank lending criteria. Partnering with eCapital gives advisors access to alternative financing tools, such as receivables and asset-based facilities, that can stabilize cash flow, support refinancing, or create breathing room for long-term restructuring.
eCapital acts as a financing partner, not a competitor. We provide liquidity solutions that align with your debt advisory plan, enabling you to focus on negotiation, structuring, and client strategy. Advisors maintain the lead relationship throughout the engagement.
Yes. eCapital frequently structures bridge facilities for clients in transition, for example, during refinancing, buyouts, or debt consolidation. These short-term solutions create stability while advisors secure long-term funding or renegotiate existing debt structures.
eCapital takes a collaborative approach when working with existing lenders. Our team coordinates directly with incumbent banks or senior lenders to structure refinancing solutions that maximize liquidity while minimizing disruption. Whether replacing a facility entirely or creating a transitional bridge, we ensure all parties remain informed and aligned throughout the process. The result is a seamless refinancing that preserves relationships, protects collateral positions, and strengthens the client’s overall capital structure.
Absolutely. eCapital regularly participates in restructurings involving multiple creditors or layered capital structures. Our flexible underwriting allows us to act quickly within intercreditor frameworks, supporting the advisor’s restructuring timeline and protecting client stability.
Transparency is built into every engagement. eCapital provides clear documentation, open communication, and detailed reporting throughout the process. Advisors are kept fully informed at every stage, from structuring through servicing, ensuring confidence and alignment.
Advisors can connect directly with eCapital’s partnership development team to discuss their client base and engagement model. Once aligned, a dedicated relationship manager will be assigned to coordinate introductions, streamline documentation, and support ongoing client success.
