Seamlessly manage your cash flow with our discreet, non-notification ledgered line of credit, ensuring privacy and flexibility.
Customized for businesses navigating the dynamic challenges of today’s market, this innovative financing solution leverages your accounts receivables to provide you with the liquidity you need, when you need it.
Maintain full customer privacy with a discreet, non-notification structure—funding stays between you and us.
Track balances, monitor usage, and manage your credit line in real time—all from one streamlined platform.
Draw funds as needed, repay on your terms, and manage working capital with total flexibility—anytime.
Ideal for businesses looking to expand, invest in inventory, or simply manage day-to-day operations more effectively, a ledgered line of credit transforms your sales performance into a powerful tool for financial stability and growth.
Unlock immediate cash to improve cash flow for swift reinvestment in growth and operations.
Keep funding discreet, preserving customer relationships while ensuring business operations proceed as usual.
Get more flexibility than a term loan with the borrowing that can fluctuate with your business’s needs.
A ledgered line of credit can be more cost-effective, with lower interest rates and fees.
Businesses can secure ledgered credit lines based on sales performance, bypassing traditional financing hurdles.
Access immediate funds from outstanding invoices, bridging the gap between service delivery and payment receipt.
Sales ledger financing, also known as a ledgered line of credit (notification or non-notification), is a working capital solution that allows businesses to borrow against their entire accounts receivable ledger. Rather than selecting individual invoices to finance, this facility provides a revolving credit line based on the value of your outstanding receivables.
As invoices are collected and new ones are issued, your borrowing availability adjusts automatically—giving you ongoing access to capital that scales with your sales.
Have more questions? Our experts are here to make funding simple, clear, and stress-free.
Meet Our Experts
Clients choose eCapital when they need an engaged, solutions-oriented, long-term credit partner with proven capacity, creativity, and continuity. Our expertise is customization—whether on a $5 million or $150 million facility, employing a meticulous, hands-on strategies.
Our tight-knit group of financing experts are agile and client-centric, yet backed by extensive resources with the scale to conquer any challenge. This means we are going to be a better credit partner through every business cycle, bringing capabilities and passion—as patient, flexible problem-solvers—other providers simply do not have. Our track record speaks for itself.
"*" indicates required fields
Sales ledger financing, also known as a ledgered line of credit (notification or non-notification), is a working capital solution that advances funds against your accounts receivable, giving businesses access to flexible cash flow.
The business submits regular updates of its sales ledger (accounts receivable). Funding availability is based on the value of eligible invoices, and as customers pay, the line is adjusted accordingly—allowing for ongoing, revolving access to capital.
Confidential (Non-Notification) Ledgered Line of Credit
Customer Awareness: Your customers are not notified that a lender is involved. They continue to pay you directly.
Control: You maintain full control of collections and customer relationships.
Reporting: You regularly submit an updated accounts receivable ledger to the lender for borrowing base calculations.
Use Case: Best for companies with strong internal credit and collection processes that want to preserve their customer relationships or brand image.
Ledgered Line of Credit (Notification)
Customer Awareness: Customers are notified to remit payments directly to the lender (or to a lockbox controlled by the lender).
Control: The lender may have more direct involvement in collections or oversight of receivables.
Reporting: Similar A/R reporting is required, but the lender may have more visibility or influence over the collections process.
Use Case: Common for newer or higher-risk borrowers where the lender wants additional assurance of repayment.
In short: Both are asset-based lending structures using your A/R ledger, but non-notification keeps the lender in the background, while notification involves more lender visibility and control. Confidential, Non-notification Sales Ledger Financing is eCapital’s standard offering.
Sales ledger financing is ideal for businesses with strong invoicing cycles, including manufacturing, wholesale, staffing, transportation, and service industries—especially those that need flexible cash flow aligned with receivables growth.
The facility is secured primarily by your accounts receivable. In some cases, it can also be supported by inventory or other secondary assets, depending on the structure and size of the facility.
Funding is tied directly to the value of eligible receivables. Availability increases as new invoices are generated and decreases as payments are received, creating a dynamic, self-liquidating source of working capital.
Yes. With a confidential ledgered facility, you continue to manage collections and maintain full control over customer communications, ensuring there’s no disruption to your client relationships.
The term ledgered line of credit is most commonly used when emphasizing confidentiality (clients continue collecting from customers themselves), while sales ledger financing tends to be a bit broader and can also apply to more open structures. Here are the common alternatives:
Ledgered Line of Credit
Receivables-Based Line of Credit
Accounts Receivable Line of Credit
Receivables Financing Facility
Confidential Receivables Financing
AR-Backed Revolving Line
Ledgered Financing Facility
Working Capital Line (Receivables-Driven)
