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.
We actually transitioned from Pathward to WEX and decided to go with eCapital instead of staying with WEX. So our transition was somewhat more complicated than usual. Johnny at eCapital made a complicated situation as simple as possible and we appreciate his dedicated support overall.
Ruth DuPlessis always provides great customer service skills.
Very satisfied with the quick and reliable funding process, as well as the excellent customer service provided by their team.
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Best customer service and whenever I need help Ashley Black my account manager always helped me to resolve any issue regarding invoices. Sometime i have confusion but she always explain how and why its happened. Sometime i have lots of questions in a day and i feel like i am bothering her by asking again and again but she always help me and give me a solution without complaining. I appreciate her efforts, patience, and her positive attitude. Best manager and i appreciate her work.
I’m with E Capital for over 15 years My account manager Deepinder Randhawa it’s been super helpful regarding any issues I had. I highly recommend him as a account manager. Definitely Deepinder is doing a awesome job. Constantin Turcu Contur Group Inc
I asked to have someone reach out about canceling and was told there is a fee. They charge you a fee to setup, fees to transfer your money and a fee to close. This company will bleed you dry. DO NOT USE THEM. They lie to get you to sign up. Use quickpay from a broker versus signing up.
Very great service. Only one issue is the app. It needs more attention
I recently switched to eCapital for my factoring needs. It has been the best decision that I could have ever made. My team is very hands on, swift and helpful every time I need them. I look forward to a long-term partnership with eCapital.
We are with Ecapital from 5 years. We were little disappointed previously due to some reason and thought to switch factoring but when Deepinder Randhawa assigned as manager, our thoughts changed. He is very helpful and quick responding Manager. Thank you Ecapital for assigning him our manager and thank you Randhawa sir.
Deepinder Randhawa is amazing he always responsive and very helpful. Please hire more people like Deepinder Randhawa he is awesome!!
Thanks for everything SARAH CLARKE. She always takes the time to deal with my BS. She needs a raise
GREAT SERVICE BY NATTASHA NAYYAR, APPRECIATED HER QUICK RESPOND ALWAYS
A Big thank you too Ruth, at E-capital Factoring, who makes big issues small issues. Great communicating, always gets the job done!!
Great customer service and explanation of the process!!
Ruth , our account manager always very helpful Thank you
We love working with Rachel! She is very knowledgeable and helpful!
My account Manager Darlene is nothing short but great. She is great at communicating and getting me answers to all my questions and concerns. I look forward to continuing to work with her and ECapital in the future. Thank you!
This company is one of the worst ever.... the have such a bad communication with each other and with there clients,, i have been trying to close my account with them but they are making it so difficult , even i have send my Cancelation form before my contract is due they still are making this Very difficult... I just hate working with this company... Don't apply to this company...
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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