# eCapital Review

> eCapital is a specialty finance lender whose core offerings include invoice factoring, which turns your unpaid business-to-business invoices into immediate working capital rather than making you wait weeks for customers to pay. For factoring, approval centers on your customers' ability to pay, so it can be faster and easier to qualify for than a traditional bank loan for businesses with reliable clients.

## Key takeaways
- eCapital is a specialty finance lender whose core offering is invoice factoring, turning unpaid B2B invoices into working capital, often within 24–48 hours.
- Approval focuses on your customers' creditworthiness rather than your own, helping newer or growing businesses qualify, and it offers both recourse and non-recourse structures.
- It's designed for B2B invoicing, factoring fees reduce what you collect per invoice, and customers are typically notified to pay eCapital directly.

## eCapital at a glance

eCapital is a **specialty finance lender** whose offerings include **invoice
factoring** that helps B2B businesses unlock cash tied up in unpaid invoices.
Instead of waiting 30, 60, or 90 days for customers to pay, you sell those
invoices to eCapital and receive most of their value upfront — useful when you
need working capital to cover payroll, suppliers, or growth. (eCapital also
offers other receivables-based and asset-based financing.)

### How factoring works

Factoring is the sale of your receivables, not a loan. The process generally runs:

- **You invoice your customer** for completed work and send a copy to eCapital.
- **eCapital verifies the invoice and advances a percentage** of its value,
  commonly within 24 to 48 hours, holding the rest as a reserve.
- **eCapital collects payment** directly from your customer and manages the
  receivable.
- **Once the customer pays, eCapital releases the reserve**, minus its factoring
  fee.

### Who it's best for

eCapital fits **growing B2B companies with creditworthy customers** that need more
predictable cash flow. Because approval weighs your customers' ability to pay,
factoring can be more accessible than a bank loan for businesses that are newer,
expanding quickly, or short on traditional collateral. eCapital offers both
**recourse** and **non-recourse** structures, so you can choose how much
non-payment risk to keep versus transfer.

### How to decide

The cost of factoring shows up as a factoring fee, which lowers what you ultimately
collect per invoice, and your customers are usually notified to pay eCapital
directly. For businesses that value speed and want collections handled, that trade
can make sense. It's worth comparing a couple of factoring providers first — apply
once through Hoss Capital and we'll match you with eCapital and comparable options.
Terms change, so confirm current rates and details directly before signing.

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Canonical: https://hoss-capital.pages.dev/lenders/ecapital/

Sources:
- https://ecapital.com
- https://ecapital.com/products/invoice-factoring/
- https://ecapital.com/blog/what-is-invoice-factoring/
- https://ecapital.com/blog/what-is-non-recourse-factoring/