Quickly unlock the cash in your outstanding invoices with modern invoice factoring from eCapital.

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See what invoice factoring can do for you.

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Unlock the Cash In Your Outstanding Invoices

Tired of playing the net 30-60-90 game? Looking for the fastest invoice factoring solution? eCapital quickly releases working capital from outstanding invoices so you have the money you need to take care of your business.

Invoice Factoring


The quickest way to get the cash you need.

Factor Invoices


Terms designed for you.

Invoice Financing


Expertise to maximize working capital.


Invoice factoring is the fastest way to raise working capital by unlocking the cash in your unpaid invoices. Don’t wait 30, 60 or 90 days to get paid. Get the cash flow you need, when you need it with our invoice factoring solution.

Get Started
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It’s quick and easy to get started.

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Use our online portal to submit invoices for payment.

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Receive your funds same day.


Factoring Invoices for Fast Access to Cash

Fast Access to Cash

Get paid the same day you submit your invoice.

Invoice Factoring to Relieve Cash Flow Pressure

Relieve Cash Flow Pressure

Quickly release your working capital.

Fast Invoice Factoring

Free Up Your Time

Spend less time on collections and more time on your business.

Factor Invoices to Support Business Growth

Support Growth

Expand into new markets. Fulfill a big order. Manage seasonal fluctuations.


When it comes to all things factoring, we at eCapital are long-time experts in the field as an award-winning factoring company. We offer two great invoice factoring packages — recourse and non-recourse factoring — which differ in several ways, including typical fees, qualification requirements and which party is responsible for nonpayment.


With our recourse factoring package, you are ultimately held responsible for unpaid invoices if your customers fail to pay after our maximum attempts to collect via invoice buy-back.

  • Maximum Value Factoring: Looking for the industry’s lowest rates and maximum value for your trusted customer base? Our recourse factoring package is perfect for you.
  • Eliminate the Hassle of Collections: You get the cash from your invoices same-day, and we’ll still handle the collections for up to 90 days.
  • Transfer funds 24/7: Easily access and transfer funds anytime, anywhere with our eCapital Connect online portal.


With our non-recourse factoring package, we are responsible for all attempts to collect payment from your customers, and if your customers don’t repay, eCapital accepts the loss.

  • Stress-Free Cash Flow: The financial risk of customer nonpayment is on us, not you. As soon as your invoices are approved, you get your cash and no longer hold any risk.
  • Eliminate the Hassle of Collections: You get the cash from your invoices same-day, and we handle the collections.
  • Maximum Peace of Mind: For a slightly higher factoring rate than recourse factoring, enjoy the peace of mind that your factored invoices won’t require buy-backs if your customers fail to pay.

Are you invoicing more than $1,000,000 per month? Ask about our confidential, non-notification factoring package.


Invoice factoring is a cost-effective way to immediately improve your business’ cash flow. If you invoice other businesses and want to quickly free up working capital, let’s talk. Invoice factoring is a great fit for your business if you are:

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    Unable to increase an existing line of credit

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    Issuing invoices with up to 90-day payment terms

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    Wanting to finance growth, expand into new markets or cope with seasonal fluctuations

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    An established business or a start-up company

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    Trading your assets with other businesses

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    Wanting to improve cash flow by collecting payment on invoices much faster


We help businesses grow and thrive. You can count on our faster, more flexible invoice factoring solution to get you the most money to support your business goals. See what our industry experts can do for you.


24/7 Access to Your Cash

Manage your money your way. With eCapital Connect, our proprietary account management software, you are in control of your finances at anytime, day or night.


Fair & Affordable Rates

Our rates are the most competitive in the industry. We know what it takes to maximize your working capital and will customize a solution to meet your needs.


Facilities Up To $30 Million

We’re ready and able to provide the funding your business needs now and into the future. As your business grows, so does the invoice financing available to you.


Seamless Transition

We understand that working capital is critical to your business operations. We’re pros at onboarding new clients and our account management team is here for you every step of the way.


No Hidden Fees

We believe in transparency in all we do. That means no surprises when it comes to our agreements.


Tips and Advice

Tap into our in-depth industry knowledge to better manage your business. Get smart, actionable advice and useful tips from our finance experts.

eCapital InstaPay


Send money in an instant with eCapital InstaPay.

  • Transfer money in real-time.
  • 24/7 accessibility.
  • Seamless bank integration.
  • Fast and convenient way to transfer funds electronically.
  • Pay just $10 for instant transfers.
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eCapital Visa® Commercial Card

Simplify Your Expenses

Access your money anytime and simplify business expense management with eCapital Visa® Commercial Card.

  • Provide unlimited Visa® commercial cards to employees.
  • Set spending limits.
  • Restrict cards to certain types of purchases.
  • Easily track and control expenses.
  • Pay no annual fees or interest rates.
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eCapital Third-Party Payments

Streamline Payments

Easily send money to external parties with eCapital Third-Party Payments.

  • Securely send payments anytime, anywhere.
  • Make timely payments to vendors, suppliers, and partners.
  • Minimize errors and save time with centralized payment management.
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“eCapital’s service has been excellent and their streamlined process serves our needs well.”

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For over 25 years eCapital a invoice 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 Invoice Factoring?

Invoice factoring is a financing solution that allows your small business or medium sized business to release cash against your outstanding customer invoices before they’ve been paid. Factoring invoices is the fastest way to improve cash flow to your business bank account.  

Here’s how the invoice factoring process typically works:

  1. Invoice Submission: The business provides copies of its invoices to eCapital, indicating the outstanding amounts owed by its customers.
  2. Verification and Approval: eCapital evaluates the creditworthiness of the business’s customers, focusing more on their ability to pay rather than the business’s credit history. Once approved, eCapital determines the maximum advance rate and establishes the fee structure.
  3. Cash Advance: Upon approval, eCapital advances a percentage of the invoice value, usually within 24 to 48 hours. The advance can be as high as 100% of the invoice amount, depending on the specific terms agreed upon.
  4. Payment Collection: eCapital assumes responsibility for collecting payment from the business’s customers. Depending on the agreement, the customers are typically notified to remit their payments directly to eCapital rather than the business.
  5. Final Payment and Fee Deduction: Once eCapital collects the payment from the customer, we deduct our fees (which can range from 1% to 5% or more) and remit the remaining balance to the business. The fees are typically based on factors such as the creditworthiness of the customers, the volume of invoices, and the length of time until payment.

Invoice factoring provides immediate cash flow for businesses by accelerating the receipt of funds that would otherwise be tied up in accounts receivable. It helps businesses bridge the gap between invoicing and customer payment, providing them with the working capital needed to cover operational expenses, invest in growth, and meet financial obligations. Additionally, invoice factoring offers businesses the advantage of outsourced credit analysis and collections, reducing administrative burdens and allowing them to focus on core operations.

Is Invoice Factoring a Business Loan?

No, invoice factoring is not considered a business loan. While both invoice factoring and business loans provide businesses with access to capital, they differ in fundamental ways:

  1. Nature of Transaction: Invoice factoring involves the sale of accounts receivable (invoices) to eCapital, where we purchase the invoices at a discounted price and provides an immediate cash advance to the business. eCapital then collects the full payment from the customers directly. In contrast, a business loan involves borrowing a specific amount of money from a lender, which must be repaid over time, typically with interest.
  2. Debt Incurred: Invoice factoring does not create additional debt for the business. When a business sells its invoices to eCapital, it is essentially selling an asset (the invoice) and receiving payment for it. The transaction does not require repayment or accrue interest. Conversely, a business loan creates a debt obligation, and the borrowed amount, along with interest and potentially other fees, must be repaid according to the agreed-upon terms.
  3. Risk Assessment: In invoice factoring, eCapital primarily evaluates the creditworthiness of your business’s customers, as they are responsible for repaying the invoices. The focus is on the customers’ ability to pay, rather than the creditworthiness of the business itself. In a business loan, the lender assesses the creditworthiness of the business, considering factors such as credit history, financial statements, and collateral.
  4. Collections Responsibility: With invoice factoring, eCapital assumes responsibility for collecting payment from the business’s customers. The customers are typically notified to remit payments directly to eCapital. In a business loan, the business is solely responsible for repaying the borrowed amount and managing the repayment process.
  5. Flexibility: Invoice factoring offers scalability based on the business’s sales volume and outstanding invoices. As the business generates more invoices, the available funding also increases. This flexibility allows businesses to access funds in proportion to their needs. Business loans, on the other hand, typically have fixed loan amounts and repayment schedules, which may not align with a business’s evolving requirements.

In summary, while invoice factoring and business loans serve the purpose of providing businesses with access to capital, invoice factoring is a distinct financial transaction that does not involve borrowing or incurring debt.

Who benefits from factoring?

Factoring services are a financial solution for businesses who trade with other businesses.  

How long does it take to set up invoice factoring with you?

Invoice factoring is quick and easy to set-up! We’ll reach out within 24 hours of you contacting us. That’s why our clients like working with us. We don’t hang around.

How much will invoice factoring cost me?

Costs (factoring fees) are dependent on the invoice factoring services you use and the amount of invoices and invoice amounts we handle for you. We want to earn your business and offer extremely competitive rates. Contact us today for a free, no-obligation quote.

Invoice factoring vs. bank loans: What’s the difference?

In a traditional environment, a company or small business owner will borrow money in the form of a cash advance from a lending institution and pledge collateral to secure the bank loan. Over time, the company or individual will work to pay this loan back with interest. Depending on the loan structure, payments may be due monthly, starting immediately, or the full principal and interest will be due at some specified date in the future.

Invoice factoring, by contrast, uses your existing invoices as collateral. If you have outstanding invoices due from your customers, you can sell those invoices to a third party for a discount. You’ll get an immediate injection of cash, and your customers will pay their invoices directly to the third party for goods and services.

Did you know factoring can improve your credit score?

Since invoice factoring does not cause your company to incur any debt, it can actually increase your credit score through consistent cash flow and financial stability.


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