My contracts renew without notification
My contracts renew without notification

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.
My contracts renew without notification
Excellent customer services
so good and helpfull people
Excellent team, professional. They are 5 stars
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everything,
Run away guys and we careful of these other overstated reviews. Not only do the rates go up with little notice but to end your contract you have to submit a 60 DAY NOTICE otherwise you get renewed for another year and your customer aging balance also has to be current by/before your renewal otherwise you get renewed for another year. They make it hard for you to exit not to mention money gets tied up all the time! We are on our 4th account manager for the year!
The process was quick and easy
Company sucks!!!....do business like kids...always have a excuse why they can't do or why they didn't do! On hold for long periods of time, move like a snail factoring ur money and every other week you have to talk to a extra Remediate person that have no passion to resolve the simplest problem!!! ...Man don't waste ur time
Ecapital Freight Factoring Corp. The worst of the worst. After factoring with them for a year my percentage went up tp a 3.4% and at no point did they get in contact with me to inform I had informed that did not want to stay due to the increases I had to stay until my contract was over due date was Jan 20,2024 since Oct,2023 we started working on the release they approved it on Jan 9,2024 but they did not release my UCC to the new factoring, They kept offering me a lower percentage but I still confirmed that I wanted to leave on Jan 10,2024 so they ignored,emails,calls not only form me but also to the new factoring they made it impossible to communicate and I feel it was done in the intention so that I would have to stay with them by force.Now they are telling me that since I have past the cut off by 5 days I have top pay a penalty of $3,250.00. Please do not work with Ecapital their non ethical.
So happy to have ecapital like our factory especially for you agent Theresa Gutierrez she so amazing She go above and behind to make sure that we are taking care. Great job Theresa we appreciated you!
Never sign up with eCapital for factoring. They will do everything to get fees out of you. Then try to auto renew your contract then try to charge you the $5k. No matter how far in advance you try to end your contract. You will be fighting with them over everything. They are what everyone says they are. A very shady company. They have earned their reputation as the worst factoring company in trucking. Never seen a company fight over $5k. After ripping you off for all the fees they want that money like they are going bankrupt. I have been fighting with the McKenzie Thompson, Head of North American Operations, over this $5k. They were contacted on October 18 that I was not renewing my contract. This was 90 days out when eCapital was requiring 60 days. Then my new factoring contacted them about my buying my outstanding receivables. eCapital on purpose took 3 weeks to respond to all their request. Which took me past my auto renewal dates. Which triggered the $5k buyout. I have been fighting with them for over 3 weeks over all of this. My new factoring company has been fighting the same war. I have emailed every high-level person in eCapital to only end up exchanging emails all day long. Do not sign up with them.
I like the fact that eCapitol was very honest up front, the sales rep was prompt with emails, also hands on to help new factoring companies to get funded to help there business grow. I think this company are great. Thanks eCapitol for your support.
I was with another factoring company that wasn't a good fit for me. I found eCapital and decided to switch over. I was sold on the expertise of Ryan to join. He was very open and easy to work with, then I met with Meagan over emails and phone calls. She is a sheer delight to work with, her patience, knowledge and kindness is so refreshing. I'm happy to be a part of eCapital.
E capital is super bad company. Carriers avoid factor with Ecapital. Service is very bad and also if you plain to change the factoring company. Capital will charge you $750 to $5000. Trust me you going to be in loss to use this company
Don’t use this company stay away. BEWARE. I use factoring as needed, but, still used gas cards regularly. I’ve been working with Amazon lately who don’t require factoring. Since I haven’t factored within 30 days they inactivated my account. I’ve been with this company since 2021 and there has been multiple months in which I didn’t use their factoring services, but, always utilized the gas cards. However, this month out of no where they dropped me. They’re excuse is that the economy is recession and ECapital is cracking down.
IT IS A PLACER TO WORK WITH THIS GROUP
Lack of communication, seems to be a disconnect somewhere in the company.. no one tells you anything about the collections issues until you see a huge chargeback on your account that could have been avoided with a simple email
Really good customer service responds right away
ماهي الشركات التي تعاقدت معها شركة يكابيتال وماهى افرع شركة ايكابيتل
The whole staff is very friendly knowledgeable, helpful and go to extra mile to make sure you accomplish all your goals
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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