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.
Just don’t like the fact that all the fees that are taken from pay was never talked about prior. The only fee was explained was one factoring fee. Not once the factoring fee we also take $25 for this another $10 to put money into your account. None of this was explained.
Worst company ever, they side with the bigger player and rip off the small player. They partake in bait and switch and make you chase debtors. No such thing as non recourse. Stay away
ECapital - my personal experience had been great already working with Bailley and now Abigale. They both have made this process seem easy as they are easy going and patient. They have transmitted all their expertise to where I can understand easy and quickly. They have made this process a breeze for me and I congratulate them. They are very deserving to a re-evaluation on their income as they are a great model to follow as far as perfect employee's. I wouldn't want to change them both for anyone else.
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My opinion is the best, this company and its team have helped me with everything I have needed, whether or not it is their job.
Everything was Great and Everyone was Great
Jonathan and Roxana c 5 stars of course
I had a great experience working with Johnny McSorley. He was very professional but also was not scared to make jokes too. i plan to work with you guys for years to come!
Amazing company very good people to talk with specially with e capital
Not satisfied with the service
This company is absolutely horrible. Been back and forth with my "account manager" for weeks trying to get a payment issue settled. It's been over a week and they cannot send MY money that I stayed in a truck months on end to work for. Account Manager does not respond to emails and blocked my phone number so I cannot get through to her. It is a disgrace. Trucking is hard enough already. Take your business elsewhere. Edit: it was updated this morning. I worked with you guys for 3 years. Multiple six figures factored through you over that time. It shouldn't have come to this.
Cannot get in touch with no one
The communication is very poor
It's a fairly simple task. I don't care for all the associated fees though.
Very professional and timely.
Absolutely the best experience with customer care love app and everything about it. Seems like everyone enjoys talking and explaining correctly to customers
Worst factory company i have to deal wtih. This company is the type that want to make you trucking company as a prisoner. They will have plenty of small fee in the contract to make you stay with them. I waited for my contract to be done and when i want to get out they want me to pay $750 fee eve though my contract it was over. I don’t recommend them at all
Everyone is very helpful and available
Worst decision ever taken. Was told it was a 2 day transition and took 10 days, had to stop the trucks as we had no funding. When it finally happened bunch of loads were not paid. When we start sending new invoices they take Days! To fund us. Deceptive business, everything we were offered and promised has been totally the opposite
I own a car hauling company and I started factoring with Ecapital they accepted the car hauling brokers . In 2019 they stopped factoring car hauling invoices and most of the brokers I work with never received LOR . They keep “ renewing “ my account without being able to provide the service . When I call and give them my MC number they say my account can’t be found . Very bad experience overall
Johnny McSorley was our onboard coach and he was absolutely amazing. He didn’t care how many times I called to ask different questions he never got frustrated and was always patient. He explained everything in detail and we really appreciate him. He deserves a raise or some reward. Thanks Johnny your “MY GUY”
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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