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For over 17 years, we’ve been dedicated to revolutionizing the way transportation companies manage their cash flow.  At eCapital, we specialize in providing fleet owners of all sizes with incredible financing solutions to access immediate working capital. With our cutting-edge finance management tools and industry expertise, trucking companies can finally get access to the funds they need to fuel growth, recover or seize opportunities.

Experience the unmatched convenience, flexibility, and personalized service that eCapital offers, allowing you to focus on what matters most: optimizing your fleet’s performance, delivering exceptional service to your clients, and propelling your success to new heights.


There is hidden value in the assets of your transportation business.  Our customized mix of financing solutions can help you access that value, fast, offering you more working capital, improved cash flow management and true scalability.

When you work with eCapital, our dedicated team of decision makers use their expertise to solve your problems fast, getting you the quick funding you need to optimize financial performance, drive growth, and achieve long-term success in a highly competitive market.


Our team of experts, with extensive knowledge of the transportation industry, are laser-focused on listening to your situation and bringing valuable financing expertise and insights to the table to get your business the most money.

We understand the unique challenges, regulations, and trends trucking companies face each day, and offer customized financing advice, solutions and support specifically designed to address the needs of fleet owners.


Improve your business operations by partnering with a financing provider who understands the unique needs of fleets in the freight industry and can provide a creative mix of solutions to improve your bottom line.

Our revolutionary, bundled approach offers numerous advantages, such as immediate access to cash via modern factoring, cost-effective fuel savings and a range of business management tools designed specifically to enable the operational success of trucking companies. Additionally, we offer asset-based solutions that support your plans for business expansion or recovery.


Whether you’re expanding your fleet or rebuilding after setbacks, we offer customized financing solutions that align with your goals. With our expertise and tailor-made solutions, you can access the funding and support necessary to optimize your operations, upgrade your equipment, and stay ahead of the competition.  Don’t let financial constraints hold you back – embrace the power of our creative financing solutions to propel your business towards success.


  • Accelerating Cash Flow: High-growth fleets often face cash flow challenges due to rapid expansion. We provide creative financing options as a quick infusion of working capital that helps fuel growth, fund operational expenses, and seize growth opportunities.
  • Streamlined Approvals: Our Fleet clients work directly with our decision makers and we offer streamlined approval processes, for quick funding. Compared to traditional lenders with lengthy procedures, we prioritize speed, ensuring that businesses can seize growth opportunities without unnecessary delays.
  • Industry Expertise: We have deep knowledge of the fleet and transportation sector. Our expertise allows us to offer valuable advice, insights, and guidance to high-growth fleet businesses, helping you make informed financial decisions to navigate your growth trajectory.


  • Custom Funding Options: We understand fleet recovery challenges, providing custom funding options like asset-based lending, factoring, lines of credit, and equipment refinancing. Access capital to rebuild and grow, regardless of credit history or temporary constraints.
  • Expedited Cash Flow: Cash flow is vital for fleets in recovery. Through creative financing, fleets can leverage hidden value from their assets, receiving immediate cash.
  • Quick & Simple Process: Unlike traditional lenders that may have lengthy approval processes, you’ll be working directly with decision makers. This enables fleet owners to access funds promptly, without the lengthy paperwork and bureaucracy associated with traditional loans. This agility is particularly crucial in recovery situations, where quick access to capital can make a significant difference.


Whether you’re going through a period of growth or need some leveraging during a turnaround scenario, eCapital can help with our various financing solutions.  Here’s an example of a few clients we’ve helped:



Financial solutions rescue a struggling refrigeration trucking operation, steering it away from bankruptcy and propelling it toward rapid growth within a challenging market.


A refrigerated trucking operation encountered significant cash flow challenges stemming from poor market conditions and the implementation of net-90+ terms by several carriers. These factors strained their finances, pushing the business to the brink of bankruptcy. Despite exhausting available options, their bank refused to provide additional working capital, worsening the situation. With just a two-week window remaining, action was required to salvage the business and chart a path toward sustainable growth.


In response to the imminent bankruptcy threat, we moved quickly to onboard the three-truck operation within two weeks. We provided significant working capital and advanced technology solutions, resolving the cash flow issues. With improved creditworthiness, the operation accessed more working capital, leading to the acquisition of eight new refrigerated trailers and the ability to attract experienced drivers. The integration of our technology, particularly the eCapital Connect™ platform, empowered the operation to manage its finances independently and thrive in the challenging market. Within 6 months, this business moved from a three-truck operation to an 11-truck powerhouse in the refrigerated trucking space.



Switching financing companies helps a fleet increase the speed at which they’re able to factor their receivables to fuel growth.


A standard shipping transporter based in Texas had been hauling across 32 states with a fleet of over 125 vehicles for many years. However, they were dissatisfied with the level of service provided by their previous factoring provider. They knew it was time for a change but hesitated due to the size and complexity of their business. The thought of switching providers overwhelmed them, as they feared it would be too difficult and could disrupt their operations.


Considering the scale and intricacy of their operations, we took the time to truly understand their business. We stepped in and crafted a tailor-made program specifically designed for their unique situation. Our team of transportation industry experts effortlessly guided them through the entire transition process, from facilitating the buyout to seamlessly switching them over to our proprietary account management software. Because of our custom approach and unwavering support, we were able to transform their factoring experience, setting them up for success in the transportation industry.



Equipment refinancing helps a fleet of Chassis trailers get the cash needed for important growth.


Having reached the max in facility size at their current factoring company, this Chicago-based trucking company’s growth trajectory had stalled. As a fleet of 200 trailers, 180 were owned outright, leaving 20 brand new trailers under bank loans. The trucking company was experiencing extreme cash strain. They needed more cash to not only keep the business running but position them to meet their business goals that year.


This trucking company reached out to eCapital, who reviewed the business statements and helped them understand their options.  We first extended the fleet’s facility limit to accommodate the company’s growth in A/R. We then were able to refinance the debt owed on the remaining 20 trailers in the fleet, which provided the company with the immediate cash needed for their business. In refinancing the existing equipment, the fleet was able to reinvest in their business and regain competitive advantage in the market.


eCapital is an award-winning, industry-leader in the transportation industry. Here are a few more reasons why businesses choose eCapital as their transportation finance partner:

Custom Financial Solutions

We offer a number of specialty financing solutions for our fleet clients such as: confidential, non-notification factoring and bulk factoring.

Facilities Up To $50 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 financing available to you.

Platform Integration Options

We make life for our fleet clients easier by providing a variety of integration options to our cutting-edge platform, from .csv uploads to TMS API connections.

24/7 Access to 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.

Dedicated Support Team

Upon first consultation, your fleet gets immediate access to a dedicated team of experts to help get the most out of your financials.

Competitive 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.

eCapital Connect Dashboard Desktop and Mobile


eCapital Connect for fleets is your one-stop shop for account management and now you have even more control over your funds:

  • View enhanced and consolidated reporting
  • Track invoices, fundings, and aging reports
  • Review line of credit transactions and statements
  • Request visa cards and manage driver spending limits
  • Self-direct funds any time of day


For over 17 years, we have helped more than 22,000 transportation companies grow their businesses.  We want to do the same for you. Take a look at the latest reviews from our trucking customers on TrustPilot!


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How do you finance a fleet?

Financing a fleet typically involves a combination of capital investment, loans, leasing, or specialized financing options. Here are some common methods for financing a fleet:

  1. Self-Financing: Fleet owners can choose to finance their fleet using their own capital. This method involves using personal savings or profits from the business to purchase vehicles outright. Self-financing provides complete ownership of the fleet but requires a significant upfront investment.
  2. Traditional Bank Loans: Fleet owners can secure loans from banks or financial institutions to fund their fleet. These loans typically require collateral and a thorough evaluation of the business’s financial health, creditworthiness, and repayment capacity. Interest rates and repayment terms will vary based on the lender and the fleet owner’s financial situation.
  3. Asset-Based Lending: Asset-based lending is a financing method where the fleet owner uses the fleet’s existing assets, such as vehicles and accounts receivable, as collateral for a loan. The lender evaluates the value of the assets and extends a loan based on that assessment. This option is particularly useful for fleet owners with valuable assets but limited cash flow.
  4. Freight Factoring: Factoring involves selling the fleet’s accounts receivable to a factoring company at a discounted rate. This provides immediate working capital, as the factoring company advances a percentage of the outstanding invoices. Factoring helps fleet owners improve cash flow and eliminates the wait for customer payments.
  5. Government Programs and Grants: Fleet owners may be eligible for government programs, grants, or subsidies designed to support the growth and development of certain industries, including transportation. These programs vary by location and may offer financial assistance, tax incentives, or access to specialized funding options.

When considering fleet financing options, it is important for fleet owners to carefully evaluate their business’s financial situation, goals, and needs. Consulting with financial advisors or experts in fleet financing can provide valuable insights and help identify the most suitable financing method for their specific circumstances.

What is fleet financing?

Fleet financing refers to the financial arrangements and methods used to acquire and manage a fleet of vehicles or equipment for commercial purposes. It involves securing the necessary capital to purchase or lease a fleet and managing the associated financial aspects throughout the fleet’s lifecycle. Fleet financing is commonly used by businesses that rely on transportation, such as logistics companies, delivery services, trucking companies, and rental car agencies.

Fleet financing can encompass various financial options and strategies.

Is factoring for fleets a good idea?

Factoring for fleets can be a beneficial financing option for many fleet businesses, depending on their specific circumstances and needs. Here are some factors to consider when evaluating if factoring is a good idea for your fleet:

  1. Cash Flow Improvement: Factoring can provide fleet businesses with immediate access to working capital by converting unpaid invoices into cash. This helps improve cash flow and ensures that operational expenses, such as fuel, maintenance, and driver wages, can be covered in a timely manner. If your fleet is experiencing cash flow gaps due to slow-paying customers, factoring can help bridge that gap and provide a consistent flow of funds.
  2. Elimination of Payment Delays: Fleet businesses often face challenges related to slow-paying customers, which can hinder their ability to meet financial obligations and impede growth. Factoring eliminates the waiting period for customer payments, as the factoring company advances a percentage of the invoice value upfront. This allows fleet owners to focus on their operations without the stress of unpaid invoices.
  3. Scalability and Flexibility: Factoring can support the growth and scalability of fleet businesses. As the fleet expands and takes on more clients, factoring allows for increased funding as the volume of invoices increases. This flexibility ensures that fleet owners can take advantage of new business opportunities, invest in additional vehicles, and meet the demands of a growing client base.
  4. Creditworthiness Not Solely Based on Business: Factoring is often accessible to fleet businesses even if they have limited credit history or less-than-perfect credit scores. The factoring company primarily evaluates the creditworthiness of the fleet’s customers, as they are the ones responsible for invoice payment. This can be advantageous for fleet businesses that have difficulty securing traditional financing options due to credit-related challenges.
  5. Outsourcing Accounts Receivable Management: Factoring companies often provide additional services such as managing accounts receivable, credit checks on customers, and collections. By outsourcing these administrative tasks, fleet businesses can save time and resources, allowing them to focus on core operations and growth strategies.

However, it’s important to carefully evaluate the terms, fees, and conditions associated with factoring agreements. Consulting with our financial advisors or factoring specialists can provide valuable insights and help determine if factoring is a good idea for your fleet.

What is equipment refinancing?

Equipment refinancing is a type of asset-based lending where the equipment serves as collateral for the loan. The purpose of refinancing is typically to obtain a significant injection of working capital or to restructure debt. Refinancing can be used to fund growth, support a turn around strategy, or consolidate multiple loans, making it easier to manage debt more efficiently and improve financial stability.

Equipment financing is a type of business financing used to acquire equipment (new or used) needed for the operation of a business. This financing is typically used when a business needs to acquire equipment but does not have the funds to purchase it outright. The lender will provide funds to purchase the equipment and the business will make regular payments (including interest) over the term of the loan until the equipment is fully paid off.

How does asset-based lending help fleets?

Asset-based lending can be a valuable financing option for fleets, providing several benefits and support to fleet businesses. Here’s how asset-based lending can help fleets:

  1. Access to Working Capital: Asset-based lending allows fleet businesses to unlock the value of their existing assets, such as vehicles and accounts receivable, to obtain working capital. Instead of relying solely on cash flow or traditional loans, fleet owners can leverage their assets as collateral and secure a line of credit or a loan based on the assessed value of those assets. This provides immediate funding to cover operational expenses, invest in growth opportunities, and manage cash flow gaps.
  2. Flexibility in Financing: Asset-based lending provides greater flexibility compared to traditional lending options. Instead of relying solely on the business’s creditworthiness or financial statements, the lender focuses on the value and quality of the fleet’s assets. This can be particularly advantageous for fleet businesses with limited credit history or challenging financial situations, as their asset value becomes a primary consideration for securing financing.
  3. Collateral-Based Financing: Asset-based lending is secured by the fleet’s assets, typically the vehicles themselves. This collateral reduces the risk for the lender, allowing them to offer more favorable loan terms and interest rates compared to unsecured financing options. By leveraging the fleet’s assets, fleet owners can access larger loan amounts, negotiate better terms, and improve their financial position.
  4. Working Capital Management: Asset-based lending provides fleet businesses with greater control over their working capital. By accessing a line of credit or a loan based on asset value, fleet owners can effectively manage their cash flow, cover operational expenses, invest in maintenance or repairs, and seize growth opportunities. This improves financial stability and allows fleet businesses to navigate market fluctuations or unexpected expenses more effectively.
  5. Growth and Expansion: Asset-based lending can support fleet growth and expansion initiatives. With increased access to working capital, fleet businesses can invest in additional vehicles, upgrade their existing fleet, hire more drivers, expand their service offerings, or enter new markets. This financing option helps fleet owners capitalize on growth opportunities and position themselves competitively in the industry.
  6. Expertise and Industry Knowledge: Asset-based lenders specializing in fleet financing often have a deep understanding of the industry’s unique challenges, trends, and regulations. They can offer valuable insights, guidance, and support tailored to the specific needs of fleet businesses. This expertise can prove beneficial in structuring financing solutions and addressing fleet owners’ concerns effectively.

It’s important for fleet businesses to carefully evaluate the terms, fees, and conditions associated with asset-based lending agreements. Each fleet’s specific financial situation and asset value should be considered, and consulting with our financial advisors in fleet financing can help assess the viability and suitability of asset-based lending for a particular fleet.