eCapital gets your trucking company more money, faster, and gives you the tools to access it from anywhere, anytime.

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with Freight Factoring from eCapital

Your business demands a constant source of money. That’s why eCapital provides the best freight factoring in the industry with the most money, in more ways than anyone else. Plus, the lowest factoring rates and best service from experts who understand the needs of transportation companies.

eCapital InstaPay


With eCapital InstaPay, after freight factoring your invoices you can make split-second transfers to your bank—even after hours or on holidays and weekends. It’s the easy way to receive money with no waiting or hassles. Plus, you never have to worry about banking hours.

  • Transfer money instantly—24/7, 365 days a year
  • It’s the fastest, cheapest way to move money to your bank
  • Pay just $10 for instant transfers
Get Instant Money
eCapital Visa® Commercial Card


With eCapital Visa® Commercial Cards, you can immediately access your money everywhere Visa is accepted—including ATMs. It works just like a debit card connected to your eCapital freight factoring account. Plus, you can send drivers cash 24/7.

  • Give out unlimited Visa® Commercial Cards to employees
  • Set spending limits and specify purchase types by card
  • Use your Visa® card at ATMs to withdraw up to $300 per day
  • Easily track expenses
  • Pay no annual fees or interest rates
Get Faster Money
Immediate Access to Your Money
Easily Track and Manage Your Money
eCapital Connect


Manage your money your way with eCapital Connect—a revolutionary client portal and one-stop-shop built for businesses like yours. This flexible, secure platform connects you to your funds and more.

Easy-to-Use: Easily access, track, transfer and manage freight factoring funds—all in one place

More Control: Direct how and when funds and credit are accessed, 24/7

Smart Reporting: Make informed decisions from anywhere with visibility into every transaction and real-time reporting

Get Easy Money


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    Find high-paying loads with automatic credit checks built-in, so you know you’ll be paid by reputable shippers and brokers.
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    Save thousands every month and never pay full price for diesel again with discount fuel cards that can be used at more than 16,000 locations.
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    Let us handle many of your administrative needs at no additional cost. Plus, get world-class support, including evenings and Saturdays.

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    Our company also offers a simple but powerful dispatch tool to manage all aspects of your trucking or brokerage business.
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    Check the creditworthiness of your shippers and brokers online for free. It’s a fast and easy way to accept loads with confidence.
    Learn more

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    Enjoy peace of mind knowing that if your customer doesn’t pay due to insolvency, we’ll accept the risk.


No hassles. Money in your hands in hours, not days.

Get Started
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For over 25 years eCapital a freight factoring company has helped more than 30,000 businesses grow. We want to do the same for you. Take a look at the latest reviews from our customers on TrustPilot!


What is Freight Factoring?

Freight factoring, truck factoring or logistics factoring is a specialized form of invoice factoring designed for the transportation industry. It is a mainstream financial strategy that involves factoring transportation receivables by the selling of account receivable invoices at a discounted rate in exchange for immediate cash.

How Does Freight Factoring Work?

Here’s how freight factoring typically works:

  1. Service Delivery: The trucking company delivers goods or services to its clients or customers.
  2. Invoice Generation: The trucking company generates an invoice for the delivered goods or services, specifying the payment terms and due date.
  3. Factoring Agreement: The trucking company enters into an agreement with a freight factoring company (that’s us!). The factoring company verifies the creditworthiness of the trucking company’s clients.
  4. Invoice Submission: The trucking company submits the unpaid invoice to the factoring company for financing.
  5. Cash Advance: The factoring company advances a significant portion (usually around 80-90%, but at eCapital we provide up to 100%) of the invoice value to the trucking company, typically within 24 to 48 hours. The funds are transferred directly into your eCapital account.
  6. Collection: The factoring company takes over the responsibility of collecting payment from the trucking company’s clients.
  7. Remaining Balance: Once the factoring company receives the full payment from the trucking company’s client, they deduct their fees (factoring fee) and return the remaining balance to the trucking company.

Freight factoring provides immediate cash flow to trucking companies, allowing them to cover operational expenses, such as fuel costs, driver wages, equipment maintenance, and other business needs, without having to wait for the clients’ payment. It helps trucking businesses improve their cash flow and maintain smooth operations by converting their unpaid invoices into working capital.

Do I Qualify for Freight Factoring?

Companies experiencing high growth, financial difficulty or are starting up qualify for freight factoring. Other examples of companies who qualify include:

  • Freight brokers
  • Intermodal and container freight companies
  • Long haul transportation carriers

How is Freight Factoring different than a bank loan?

Freight factoring is different than a commercial line of credit because:

  • Qualification is based on your customer’s credit score: One of the main differences between factoring transportation receivables and applying for a business loan is how the financial institution determines your creditworthiness. When you apply for a business loan, your bank will base their decision on how creditworthy you and your business are. When qualifying for factoring, the decision is based on how creditworthy your customers are. That is especially helpful for a business that is already stretched its available credit, or to a newer business that has yet to build its credit history.
  • What is considered acceptable collateral: For a business loan, you will often be asked by the bank to put up collateral such as a building, piece of equipment, or personal assets like your home. With freight factoring, the invoice sent to your client (ie: your accounts receivable) becomes your collateral, no other hard assets are required.
  • How and when it is repaid: Most business financing requires regularly scheduled payments stretched over a specified period of time (for example: monthly). With freight factoring or freight bill factoring, you receive an advance up to 98% of the invoice amount within 24 hours of submitting your invoice to the transportation factoring company. Our logistics factoring fees are deducted from the advance making the cost of factoring simple, easy to manage and affordable.

How does Freight Factoring help my startup trucking company?

Freight Factoring provides owner operators with trucking startup companies immediate access to capital. With this, you avoid the 30 to 90 day payment period common in the trucking industry. If you do business with creditworthy customers then you qualify for freight factoring.

  • Easier to obtain than a bank loan
  • Get cash immediately after documentation approval
  • Avoid using business or personal assets as collateral
  • Avoid risk by checking customers credit rating
  • Avoid chasing receivables
  • Expert advice from trucking industry experts who know your business
  • No monthly payment obligations
  • No need to re-negotiate payment terms every time you need additionally funding

How long does it take to setup Freight Factoring with eCapital?

Getting to know your business is a priority. As a logistics factoring company we want to make sure we offer you the best options possible that match the growing needs of your business. We’ll want to talk to you within 24 hours of you contacting us and we’ll need to see a certain amount of paperwork before we make a decision. If we have the paperwork we need from you, we can make a decision in a couple of days of you getting in touch. That’s why our clients like working with us. We don’t hang around, and you are not required to sign long term contracts.

How much will factoring cost my trucking company?

Costs are dependent on the services you use and the amount of invoices we collect payment for on your behalf. Contact us today for a free, no-obligation quote.

What is the Difference Between Recourse and Non Recourse Factoring?

What is recourse factoring?
Recourse factoring is a factoring agreement in which a trucking company sells its invoice receivables to a factoring company with the understanding that if the invoice remains unpaid after the recourse period for any reason (usually 60 to 90 days), the trucking company will be obligated to buy the invoice back.

Recourse factoring is the most popular type of factoring. It is more flexible and costs less than non-recourse factoring.

What is non-recourse factoring?
Non-recourse factoring is a factoring agreement in which a trucking company sells its invoice receivables to a factor with the understanding that if the debtor (your company’s customer) does not pay the invoice by the end of the recourse period, the factoring company may be obligated to absorb the loss. However, in non-recourse factoring, it is important to note that no universal definition specifies the liability’s circumstances. (More on this in the next section).

In effect, non-recourse factoring is like recourse factoring with an added layer of bad debt protection. For this reason, it may be more appealing to trucking companies who deal with higher-risk shippers and shippers who have been known to exceed their agreed-upon payment dates.

What is a Freight Factoring company?

A freight factoring company, also known as a trucking factoring company or transportation factoring company, is a specialized financial institution that provides freight factoring services to businesses in the transportation industry, particularly trucking companies and freight carriers. These companies offer a range of financial services tailored to the specific needs of transportation businesses.

What is a Freight Bill Financing?

Freight bill financing, also known as freight invoice financing or transportation invoice factoring, is a financial service that provides immediate funding to businesses in the transportation industry, specifically freight and trucking companies. It involves the process of converting unpaid freight bills or invoices into immediate working capital.


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