eCapital Freight Factoring is a specialty finance lender that provides flexible working capital solutions tailored to the needs of small and medium-sized businesses. The company focuses on delivering fast and efficient access to funding, enabling clients to manage cash flow, invest in growth opportunities, and navigate changing market conditions. With a capacity to fund facilities ranging from $5 million to $250 million, eCapital serves a diverse clientele across North America and the U.K., offering customizable financial solutions that adapt to various business requirements. The company leverages cutting-edge technology and industry insights to streamline the financing process, reducing friction and expediting approvals. By positioning itself as a strategic partner, eCapital aims to empower businesses to thrive in competitive environments, ensuring they have the necessary capital to move forward effectively.
eCapital Freight Factoring receives a mix of feedback from its customers, with many praising the service and support provided by representatives like Johnny McSorley and Alex Sanchez. Reviewers highlight the great experiences they have had, noting the knowledgeable and patient assistance during the onboarding process.
However, there are significant complaints regarding the company's management and communication, with several customers expressing frustration over unresponsive staff and issues with payments. Some users report feeling scammed or mismanaged, particularly concerning contract terms and the handling of invoices. While many appreciate the quality of service, the negative experiences regarding management and operational issues cannot be overlooked.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.3 | 1,000 | 100% | -1.3 | ● Low |
Monthly average rating from reviews written by people · latest review Jul 2025.
| Month | Average | Reviews |
|---|---|---|
| Aug 24 | 3.3 | 12 |
| Sep 24 | 3.1 | 9 |
| Oct 24 | 4.1 | 15 |
| Nov 24 | 2.7 | 13 |
| Dec 24 | 2.3 | 8 |
| Jan 25 | 3.0 | 8 |
| Feb 25 | 4.7 | 115 |
| Mar 25 | 4.1 | 34 |
| Apr 25 | 4.1 | 9 |
| May 25 | 2.7 | 7 |
| Jun 25 | 3.4 | 5 |
| Jul 25 | 4.0 | 4 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 500 most recent reviews.
“eCapital always provides 5 star service and will go out of their way to help move your operation forward”
“Im not sure when they got over taken by people from a third world country but they have just gotten worse, they think...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Loans & Mortgages.
| Company | Overall | Legit | Service | Value | Website & app | Trend | Reviews |
|---|---|---|---|---|---|---|---|
 | 4.3 out of 5 (good) | 100 out of 100 | 4.4 out of 5 (good) | 1.7 out of 5 (poor) | 3.6 out of 5 (good) | +39% | 1,000 |
| 4.8 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | 3.5 out of 5 (good) | 4.8 out of 5 (good) | — | 1,000 | |
| 4.2 out of 5 (good) | 100 out of 100 | 4.0 out of 5 (good) | 1.8 out of 5 (poor) | 1.5 out of 5 (poor) | −19% | 618 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | — | — | — | 27 | |
| 4.7 out of 5 (good) | 100 out of 100 | — | — | — | — | 25 |
Bottom line: eCapital Freight Factoring is #4 of 5 on overall rating in this group. On value, Oodle Car Finance scores higher (3.5 vs 1.7).
1,000 reviews of eCapital Freight Factoring. Filter by what matters to you.
I’m not even signed with them but the reviews are horrible. Stay Away As You have been warned by driver after driver after driver!!!! Thx you drivers for telling me to stay away!!!
We heard about ECapital from friends in the business. I have been in contact throughout the process with Mr.Brad Church who made every step easier. He was available to answer all questions and available to help out with any matter. He guided me from the beginning and we feel in good hands. The system is very straightforward and the team is so hands on. We really appreciate your availability and your customer service. Glad we are in business with ECapital. Such a great experience. Always there to help their customers. Great work
Jorge Cruz know how to explain questions that when I'm speaking to dispatchers I know what to say.
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I had a great experience with eCapital from the onboarding to the factoring. I really appreciate Johnny McSorley for being an amazing help and understanding every step of the way. Thanks
I highly recommend ECAPITAL and i want to thank the best representative CHERYL McIntyre for a great service always finding the way of helping me in account.
Not good communication i tried to reach customer service and they don't answer
I started with 2.75% then it went up to 3.95% In addition you still need to request ruch funding if you need your money same day it cost additional 1% each invoice processing is $ 2 and another $ 9 to get funds to your bank account together is 5% everything
When Bailey reached out about factoring with eCapital I was told no contract and no fees. The first invoice huge fees were taken. I asked about the fees. Apparently "one time fees that must have slipped my mind", then to move it to my bank account was another fee. Bailey will not answer calls or respond to emails. Fees and contracts are fine when a person is upfront about them but to say there aren't any and then be told it must have slipped my mind being a typical sales man.
They revew and pay quickly. Nice service
We had a rough start off, but it was because of the hurricane hitting in my town, the eCapital team pulled together to make it happen for us - so all thanks to them for their hard work! Abegail is a sweetheart! Steve is the best! So far so good.
10-10 the best option for factoring
DO NOT USE THIS COMPANY!!!!!!!!!!!!!! TRUST ME THEY WILL DO EVERYTHING POSSIBLE TO PUT YOU OUT OF BUSINESS!!!
After two attempts with my assigned rep, some frustration, I am truly grateful for Michael T. He completely understood my question and gave me the info I needed to verify regarding my account.
Buen servicio durante mi transicion de financiera,
My sales rep Bailley Ensor was outstanding. He made sure he was available to answer my questions and assist with setting up my companies account.
I have worked closely with Johnny from e-Capital as a new carrier. They gave me EXCELLENT service and answered any questions I may have had as a new carrier in the freight market. I cannot rave about them enough and have been trying to get all my friends & colleagues onboarded with eCapital for their factoring needs.
Gail has been great to deal with any queries we may have regarding payments and portal. It's a pleasure to be working with Gail.
Our transition has been very smooth and easy, thanx to Helga. She has taken her time with both my wife and I to explain in detail the process and walk us through the steps we needed to get started. Thank you.
If I could give a 0 I would. Not happy at all with Alex Sanchez he is a sales Specialist. At the beginning when we were about to begin with them everything was ok he would call us and reply to our emails . Now HE DOESNT ANSWER OR REPLY OUR EMAILS AT ALL AT ALL. It is very unprofessional as soon as he convinced us to moved to Ecapital then no more answers from him . I was better off with TAFS .
eCapital Freight Factoring is a specialty finance lender that provides flexible working capital solutions tailored to the needs of small and medium-sized businesses. The company focuses on delivering fast and efficient access to funding, enabling clients to manage cash flow, invest in growth opportunities, and navigate changing market conditions. With a capacity to fund facilities ranging from $5 million to $250 million, eCapital serves a diverse clientele across North America and the U.K., offering customizable financial solutions that adapt to various business requirements. The company leverages cutting-edge technology and industry insights to streamline the financing process, reducing friction and expediting approvals. By positioning itself as a strategic partner, eCapital aims to empower businesses to thrive in competitive environments, ensuring they have the necessary capital to move forward effectively.
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