Factoring | Freight factoring company
eCapital Freight Factoring review: rates, recourse and contract
Updated
eCapital Freight Factoring offers owner-operators recourse or non-recourse factoring with advances of up to 100%. The company advertises no long-term contract, funding in as little as one hour and free, unlimited broker credit checks, plus a fuel program with up to $5,000 in pre-approved credit.
eCapital also runs TAFS, whose website now sends visitors here.
At a glance
- Best for
- Owner-operators who want a choice of recourse or non-recourse factoring
- Advance
- Up to 100%
- Recourse
- Recourse or non-recourse options
- Contract term
- Says no long-term contract is required
- Funding speed
- Says funding can take as little as one hour
Our take
If you lean toward non-recourse, get eCapital's conditions in writing first. The company says they vary and that the cover may absorb a covered debtor's insolvency, so read which debtors and events count.
Cons
- Non-recourse conditions vary
Rates and fees
| Term | eCapital Freight Factoring |
|---|---|
| Advance | Up to 100%Same since 2025 |
| Recourse | Recourse or non-recourse options Says non-recourse may absorb covered debtor insolvency and that conditions vary.Same since February 2026 |
| Broker credit checks | Says it offers free unlimited broker credit checksSame since February 2026 |
Contract and cancellation
| Term | eCapital Freight Factoring |
|---|---|
| Contract term | Says no long-term contract is requiredSame since 2023 |
Funding, new authorities and fuel
| Term | eCapital Freight Factoring |
|---|---|
| Funding speed | Says funding can take as little as one hour Also says it funds the same day.Same since February 2026 |
| One truck | Says it serves owner-operatorsSame since 2025 |
| Fuel program | Says it has a fuel program with up to $5,000 pre-approved creditSame since February 2026 |
eCapital Freight Factoring alternatives
| Name | Published rate | Recourse | Contract |
|---|---|---|---|
| Apex Capital | Recourse and non-recourse plans | Says no long-term contract is required | |
| Triumph | 2% to 3% per invoice for QuickPay | Non-recourse available | Says QuickPay needs no contract |
Frequently asked questions
Can I leave eCapital later?
It advertises no long-term contract. Ask what notice it needs and how open invoices are handled if you switch factors.
How fast does eCapital fund?
The same day, and sometimes within an hour, by its own account. Ask what time invoices need to be in.