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 have been with eCapital since 2021 and have been lucky enough to score Roseann Reutzel as my account manager. She never fails to answer the phone with a smile in her voice and an eagerness to help. She constantly goes above and beyond if I have a question or an issue that needs to be resolved and is just a lovely lady to communicate with in general. Roseann is an absolute Legend and I highly recommend eCapital to anyone looking for a factoring company.
I have been working with eCapital for quite some time and Roseann has been handling my account for the majority of that time. She consistently answers the phone in a friendly, polite, manner and does whatever she can to help me out. She is a true professional and always gets the job done in a timely manner. Roseann Rocks!!
Simply! Easy! Fast! On Time!
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Good customer service, a good partner for your business to grow!
Roseann Reutzel Account Manager Transportation Division Is the best at everything she do! Anytime I email or call her, she responds quick and always help me out! I can always count on her! Thanks Mount Trucking LLC, Tyrone Washington
Things are not going as they told me and poor communication
The initial fundings has been taking more than 2 days to get processed, lack of communication after we signed the agreement, nobody looks to care anymore to reach us back if we have questions
If I could give e-capital a Zero rating, I would. People, please pay attention to the negative reviews because it is happening, e Capital is robbing us and unfortunately, I cannot get out of the contract until March 2025 so until then they will continue to Rob me of my hard-earned money. the factoring fee agreed to was 2.75% and then a year later they bumped it up to 3.45% plus $1 fee per invoice submitted and $5 ACH fee. In the beginning of 2024, they added a $35 per invoice fee if the batch isn't $3,500 or more, well guess what I Have been submitting batches of more than $3,500 and my account still shows a negative amount, and that's how e-capital continues to rob me, and I am sure they are doing this to many more small companies. I DO NOT RECOMMEND THIS FACTORING COMPANY.
Awesome Team, they walk you trought all the steps, easy app to invoice, Perfect for small business that are in need of that extra cash for your work. Thank you ecapital. Marla & Ulises.
ECapital started out as an outstanding Factoring Company. We had no issues on funding or fees. We worked well with our Customer Care rep. Than, all of a sudden Customer Care Rep goes away and now dealing with Customer Care Support team members back to Customer Care Rep. Now comes the new fees for $35 per invoice with the original 3.15% that we are already being charged if the invoices aren't more than $1150 so thats basically charging 5.5-7% per invoice. Tried to terminate contract because we didn't and don't agree with additional fee cost but that is a non negoitable fee to them. They make changes to the contract to benefit them but is still sending me old contract that has original fee of 2.75% factoring fee showing. They have become a TRASH company for the smaller guy and will do anything to make their money off you. Can't wait to get away from them.
Very useful factoring company 100% recommend it to everyone. Johnny Mcsorley has been helping me on everything I need from Ecapital portals etc. very friendly.
I’m very happy with the service I’ve received from beginning to end.
ECapital is very helpful they when a mile for my company 😎😎😎😎
At first glance, company seemed professional. Told “next day” for factoring, even told that some loads would be “same day” if filed before 10 am my time. First few loads went through without a hitch, which looking back makes sense because I also run the fuel card through this company. We’ve used the same broker throughout, TQL. Over time, loads took longer and longer to be processed. I was told on one occasion that they were “swapping from teams back to the account managers” processing the loads. Once those loads are submitted you can’t change them to “express” for the $35 fee, you just have to wait it out. It became harder to pay dues on time because of their delay. Called and complained, was told that because of my company’s status, I would need “100% verification”. However, if/when I pay the $35 express fee, verification is same-day. Go figure. You will pay your percentage, plus your reserves, plus $35/per load if you want to see your money in a timely manner. You will also pay $9 - $15 *every time* you want to pull the money you’ve already submitted, unless you use their credit card… Hm. And they really, really want you to keep your money on their card and use it instead of your own business account. I can’t tell you what the fees are for their card, because I haven’t used it, but I’d bank on them making even more if you use their card. I’m now trying to get out of the factoring contract with this company, but it’ll cost me $2500 to do so. Can’t use the fuel card because I’ve gotten behind, even though they are going to get their money and any NSF fees due. They are going to get paid, you can guarantee. **Update** The company is now saying that they will charge $750 buyout fee and $2500 early termination fee. They are continuing to tack on extra fees. Will keep this review updated as the process moves along, so others know! Overall, I’d give this company *no stars*, if I were able. I’m putting this out there so that newer carriers, like me, who don’t have the funds to make many mistakes don’t do the same thing I did. I would not factor or fuel with this company again, nor would I have originally if I’d been aware. I don’t feel like this company wants you for the long-haul; I feel like they want to get as much from you as they can on a short basis, and then force you to come up with the money to get out, or suffer. Just my opinion. Beware. If I could do it over, I’d have gone with a factoring company that paid direct deposit on each load (in a timely manner, of course), but to my account, without holding my money hostage for yet another fee. And if fuel with same company, I’d’ve gone with one that pulled from the loads as delivered, not from the account. Not sure if this helps anyone, but good luck! Another update! Something else that needs to be put “out there”… I signed with eCapital on 3/25/2024. By 05/15/2024 I was on the phone, trying my best to get out of this horrible business relationship. Didn’t take long to realize exactly what the gig was here. When the alternate company contacted ECapital, they requested “any applicable termination, release, NOAs, buyout, and calculation report”. ECapital only responded back with, “…we would not be providing permission to Terminate the UCC filing at this time”. They offered no other information! Basically, told me and the other company that I belonged to them until they see fit to let me go—like a slave or property! I’m not even sure if this is legal, but I’m new to the game. In the process of finding out to help others. **I had the same company contact ECapital again (before I go out of business) on 06/21/2024. This is when ECapital finally responded with the buyout costs. Next day or same day my fuel card was cut off…** New update. 0722/2024, had to call them because my account was -7.50. Couldn’t understand why, as we have completely left the fuel card behind. Their explanation was that when accounts receivable are filled, if the 3.89% is not at or above $35, they take the difference. So, for a $550 load I had to pay $35 to get it same day/on time, AND THEN they charged me another $35 for my %rate, not 3.89%… That’s $70 for a $550 load, equals $480, also minus reserves held.
Very helpful and welcoming from the beginning to present. Outstanding TEAM!!!!
My first experience with eCapital was handled in a professional manner and they had patience with me. They walked me through the process and made sure I knew how to navigate myself in the future! Great company! Thanks eCapital!
Do not ever do business with Ecapital! I'm $4,500 debt with this company. Brokers will involve Ecapital and you with scams and you are left with back pay and recourse. Ecapital say they have 100% no recourse policy. I can't afford fuel, insurance, and also my bills are so far behind because Ecapital. I made over $40000 in 3 months and only was paid out $8,000. $6600 went to my insurance. And I'm still struggling to pay my truck note. I'm $4500 behind. My last 4 invoices is not being paid and is onhold in a dispute. Well my truck is in the shop I need $420 to get it. Can't afford too. Can't book a load no fuel to go no where. DO NOT DO BUSINESS WITH ECAPITAL. Honestly I hope everybody there lose a close love one on Christmas eve. F Ecapital;;
Awesome people
Quick to resolve issues
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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