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.
They Are worst company i ever been dealing with and they will found any little fact to steal your money and when you try to switch to other company the hold and they don't respond till the renew date come and they will replay by saying your contract its automatic renew Please stay away from this company
Horrible company. They pay the wrong people, they don't listen. They upset our customers. Your money is in danger as they don't have any security so our funds were hacked. Don't use Update Our company has worked with ecap for years. Our customers are very upset by how they handle business. They are awful to work with. Definitely look elsewhere.
After my insurance was canceled for my trucking company I realized ecapital had about $2,000 of my funds that they did not pay me for some reason. I keep asking them to transfer my money to me. But they won’t !! ecapital won’t let me access my money They keep telling me I need to pay 750$ to close my account with them to get my money out. E Captial is a scam. Can’t get ahold of anyone higher up They just keep giving me the run around I Do not recommend this company very deceiving & on top of that! one year into our contract they updated the contract and factoring prices and started charging 35$ minimum per invoice That does not work for our company because all our loads are short hauls Scam DOT NOT RECOMMEND AVOID ECAPTIAL AT ALL COSTS. They will screw you over eventually
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As a broker client, the onboarding and sales team was great. Started without a factoring company and this became our first factoring company to work with. They are a financial tool to use for a business like any other factoring company. Their factoring fee is cheap which is what attracted to us, but didn't realize the support would be at that same level. The reporting on their Portal is non-existent. Their is an AR aging summary that cannot be filtered by custom dates to then show all the detail history that the AR balance reflects. Make sure you have great internal accounting and not trust their system. Their is a reserve account where you can store cash. This should be treated like a regular bank account, but when trying to run reports the dates are not in chronological order so the balance history doesn't make sense. You have to ask your account rep for reports, but then the account rep are not attentive to you. They are always out, takes weeks to respond to emails, or their calls go straight to voicemail. You cannot view your carriers on the portal to check if the remittance email or bank accounting information is correct. If they make a mistake in sending to the wrong carrier, they will not pay the correct carrier until the successfully retrieve from who they improperly paid. They send invoices to clients but their system cannot cc you at all and we are told this is not possible. Their system needs a complete overhaul and limits their customers their ability to grow. They need to invest in a better GUI (general user interface) to show their customers greater visibility. eCapital is great for very small business, but is not capable of handling volume once you grow. If their factoring fee is 1% seems like they don't care about the customer since you're not brining them in enough revenue to justify their support. It's been a struggle the last 9 months.
Hey wanna send a shout out to Kiran at eCapital! I had a portal situation and Kiran immediately communicated with tech support. Problem was resolved in mins! Thanks Kiran!!
Very fast services and user friendly website/portal.
I am writing to warn everyone against eCapital!!! I am terrified of what is happening at eCapital!!! . They break old contracts and create new ones without agreement !!! I have been with ecapital for 15 years and I had an agreement with ecapital for a 2% factoring fee, now instead of charging 2% they start charge $35.00 per invoice. They are self-willed, they do whatever they want!!! they don't respect anyone. It isn't possible to speak with anyone, I received an email from name CONTRACT to my e-mail address, they don't have names, positions, nothing. I don't know if I'm writing with a human being or with an airbrick ? Any other factoring will be better than ecapital
The worst factorig company to deal with. They don't even let you terminate the contract.
Everything Great, Thanks
Customer service is good, but the system does not work well. I always need to get help on how to submit anything. The phone app needs more work, it freezes and make you start that process all over again. If it was not for Sam and Harsh, I would not be able to get things submitted.
I am only updating my review from one star to 2 only because of E capitals general counsel. The general counsel was able to do everything I requested. However, this was definitely a process. I signed up with E capital back in 2022 and factored ONE invoice. When I saw how outrageous the fees were I knew this was NOT for me. The $175 documentation fee, $3 ACH fees, and $2 invoice fees, along with the 3% factoring fee. I requested to be released but they refused to do so. Ok no problem I NEVER used them again. Only problem is now 2 years later in 2024 I used the ONE broker I factored an invoice with and it was a HUGE mess. I contacted the payment company immediately and let them know that I am NOT working with them but they wouldn’t be able to release the payments without the letter of release. The payment company reached out to E capital and E capital advised we are still in active contract. Their contracts auto renew automatically without your knowledge and consent. Even better they demand $10,000 to be released. They waive a bunch of the fees but they still want money. $750 is what they were pushing for. I don’t like how this company traps you with hidden fees and makes it extremely difficult to leave them. Just beware!!! Use them at your own risk!
I would like truck drivers to know they can trust March Logistics LLC and the companies we work with thank you.
Theresa is amazing super good person and good help. I'm sure you guys trained her. I sold Kirby's and made over 50k in 3 months turned around and donated it to my church. money is paper credit is key, right. so, I know how to badger. lol. I've been in sales my whole life and the positivity is great. But one thing you guys need to work on is being transparent with your clients all the hidden fees is VERY disheartening. If that's how you make money by half-truths I'm sorry. But that is American business. I'm the same way, just sucks when it happens to you. "33 dollars on every thousand" oh but wait there's more like man c'mon you guys already used a woman to sell me and then took money from a broke carrier living on a dream. I heard truck stop is a flat 2 percent that's it.. American want to be corporations are nastier than the big dogs. Now will I work with you well yes because I have to buy out now, will I sign up after? Absolutely not.
Helped solve a cash flow problem already , thanks Abigail Too .
Told me no contact and it was. Charge me $150 for my first load. Whole experience terrible. Told a bunch of lies.
Great job thank you very much and I hope we work together for a long time
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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