Excellent service
Excellent service

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.
Excellent service
Randy and Jorge and the whole team working together
I couldn't have asked for a better Factoring Consultant. Jake Martin has been honest and upfront regarding every detail about ECapital. He periodically calls to check on the business and he also give business tips reminders about what's available on the ECapial app. It's always a pleasure to hold a conversation with kind people. Jake is definitely an asset to ECapital. Thank you Jake and ECapital.
Their excellent customer service with getting me set up and monitoring after that.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
Right from the beginning Specialist Juston told my partner that his rate was 5% when we asked him was the rates always Like this he said yes I told him that is not what my referral said and they showed me their rate so he made us feel very uneased with his sales pitch and dishonesty though I heard good things about this company from others this isn't the way you enter into a new business relationship! Bad Pitch!! Mark MDC Logistics 2679797596
Coming on board- was a smooth and pleasant experience. The onboard team was helpful answering the questions I had. Thank you onboard, team, especially Peyton. :>))).
These guys are crooks. I had a collector send them a ucc notice. I quickly paid it off. Because of this they refused to buy my invoices for 2 months and without income I was forced to go out of business. I called and sent emails to the entire company showing I had settled my debt with the collector. I ran my company for 2 months on my savings hoping the issue would be resolved. They refused to acknowledge the ucc release. Since Ecapital has my notice of assignment all the money I made running without factoring was paid out to them which they refused to release to me. I made them a lot of money the 3 years I been with them and for them to withhold my money that would help me get back to work is criminal.
Until I stumbled upon this page, I thought I was going through this nightmare alone so I’m excited and DISGUSTED but not the least bit surprised at how many stories are just like mine. We were part of the Instapay merger debacle but I had already put my notice in to them before anyone even KNEW about the switch and I was in the process of zeroing out my accounts when they took over. I figured that I would continue going through the steps to leave since no one sent or had me sign any new contracts.. however they abruptly stopped giving us our money, they said until everything was paid up, which I got done but still no money.. NOR the money that was in my reserve account from Instapay!! Which went from THOUSANDS to zero as they told me that wasn’t my money and it was just in case one of my customers didn’t pay. THEN try to tell me that my notice to leave was to Instapay and not them and that they wouldn’t honor it so I then sent ANOTHER notice and was told that “contracts dept would be getting in touch with me.” Lol.. let’s back up a little bit.. after taking over Jan 1, we were immediately told that our “acct manager” would be out for the first 6 months due to surgery and then that basically ALL of the other “acct managers” were out for some ridiculous amount of time due to travel or this that or the other thing so getting ANYONE to answer ANYTHING took an act of God basically.. any time we called, we were transferred to the next person who had no clue what was going on whatsoever about ANYTHING really!! So I called the 800# and asked for the “contracts dept” and was told there was no such dept!! So after my SECOND notice, they pulled the plug on our access to their portal and wouldn’t respond to emails and BLOCKED ALL CALLS FROM OUR BUSINESS NUMBER so we had carriers calling that hadn’t been paid that we could give no info to bc we had no access to their systems so we had to have THEM call ECapital directly just to finally get payment. AND THEN sent all of our customers NOA’s signed by me WITH AN OBVIOUSLY FORGED SIGNATURE!! And would not give us a release so we could not work with any of our customers.. long story short, they destroyed our credit and our business and almost my life but for a guardian Angel who helped us pay the remaining carriers they refused to pay, I would’ve lost my house. What I’ve noticed about all of the bad reviews on here and many other forums is that we are mostly small companies just trying to take care of our families and employee’s families, which as we know in small business IS ALL FAMILY!! But we’ve found a growing group of companies who are in the same boat where things can’t be fixed and are fighting back! So if you’ve come across this review and you’ve been scammed by these ppl as so many others have, email fightthefraud dot ecapclassaction at gmail. We may all be small but together we can be a formidable force for justice and the numbers are growing every day so there’s none too big or too small! I have nothing more to lose so, no matter what happens, I’ll continue to spread the word to every forum, website, social media group, factoring association and BBB.. whoever and WHATEVER it takes to save even ONE unassuming little guy from signing with these monsters.
He did a great job and he is always available
I have been using the services of ecapital for a few months now. Jonathan Camacho at ecapital has been very helpful, always answers any questions in a timely manner, and tries to help me keep my business going. Many thanks!
Bailey is a great help. He is caring and take his time to help Carriers.
Bailley Ensor passion appreciated very much!!!
Good service fast and very east to use app
So for awesome company.. Have been there for me with no problem.
Everything was very simple and everybody is helpful.
We have been dealing with Caleb at E-Capital as a brokerage and he has been amazing to deal with! He helps with every problem we've ran into and goes above and beyond for helping us with our new start up business! I would HIGHLY recommend them to truck/company looking to get factoring.
Excellent experience! Helped us out of a cash flow nightmare
eCapital has raised rates again!! Not only did they do it in August, they did it again in November. Your contract means nothing. Don't sign a contract wth eCapital, they will increase your rates at any whim and because it's in the fine print in your terms & agreements, it's legal. It's highly unethical and that is all eCapital is at this point. Unethical, greedy and despicable. Don't go into business with them. They moved their company out of the US into Canada, so it's tougher to take any legal action. BEWARE of eCapital. I see that they even increased brand new customers rates right after signing on with them. Don't sign on with eCapital. Tell everyone what a shady factoring company this is. Stay away.
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.
This profile hasn't been claimed by the business owner.