- 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.
- Advances a large share of invoice value, freeing up cash tied in receivables
- Offers both recourse and non-recourse factoring structures
- Approval focuses on customers' credit, helping newer businesses qualify
- Manages collections so you can focus on running the business
- – Factoring fees reduce the total you collect on each invoice
- – Designed for B2B invoicing — not a fit for business-to-consumer sales
- – Customers are typically notified to pay eCapital directly
eCapital FAQs
How does eCapital's invoice factoring work? +
After you deliver goods or services, you submit the invoice to eCapital. eCapital verifies it and advances a percentage of the invoice value — often within 24 to 48 hours — then collects payment from your customer. Once the customer pays, eCapital releases the remaining balance to you, minus its factoring fee.
Does eCapital check my credit or my customers' credit? +
Because eCapital is buying your receivables, it focuses mainly on the creditworthiness of your customers — the businesses that owe you — rather than your own credit history. That's why factoring is often more accessible than a traditional loan for younger or growing companies.
What's the difference between recourse and non-recourse factoring? +
With recourse factoring, you remain responsible if a customer doesn't pay. With non-recourse factoring, eCapital assumes the risk of non-payment due to customer insolvency, typically for a higher fee. eCapital offers both; confirm which structure and terms apply to your agreement before signing.
Last updated: June 2026