Thank you for working with me and…
Thank you for working with me and setting up my account. Thank you for the patience

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.
Thank you for working with me and setting up my account. Thank you for the patience
There were funding issues with the Portal for eCapital, but Darlene assured us that we would be taken care of. She processed our request right away!
The company worked well initially but will put you in a major predicament because funding made available on your invoices will withdraw at any time without notice. The don't care how this impacts on you and even written agreements are not honoured. Not the best factoring company if you're needing money and its more expensive than comparative companies.
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I’ve had eCapital now for over a year. I’ve had constant issues with my account and I’m now on my 4th or 5th account manager. Who by the way hasn’t responded to my emails for days. I’m having the same issues another reviewer had and I also had negative balance out of nowhere. It makes zero sense. The fees for their services are deducted from your account and I’m not able to withdrawal more than what’s in my account. On top of that, I submit multiple invoices per month. Sometimes multiple invoices per week. I pay extra for expedited service and it takes 2-3 days which is standard and they’re keeping the extra money I pay for expedited services for standard or less than standard service. It seems there’s always an issue, mistakes, invoices in review or ineligible. (95%) of my invoices are from the same customer!! I’m beyond annoyed and aggravated with eCapital and their constant inconsistency. Having to deal with issues and send multiple emails to my “account manager” while on the road has taken its toll. I need a factoring company that can handle multiple loads per week and provide funding very quickly. ECapital is not going to be my factoring company moving forward. They’ve made so much money off me and I feel like I’m getting ripped off. They charge their rate for service then charge you $9.00 to transfer from your account to your bank. I don’t even want to know how much I’ve paid them over the year for ACH Transfers over the year. I’m done with ECapital. There has to be better companies out there who won’t leave me in the dark like this. This is my first review it’s taken this long for me to say anything publicly but I’ve voiced my opinion to my account manager(s) over the year period. Seems like they could care less if I take my services elsewhere. So that’s what I’ll do. They still owe me money and zero communication from my acct manager is not a good feeling.
I called E Capital to check on my account and I had the pleasure to talking to Ashley Black, from Hello I knew she was going to able to slove my problem and she did. I'm so lucky to talk to her she made my experience very easy and the smile she put on my face after she said it's all taken care of was just priceless. If anyone gets the opportunity to talk to Ashley Black they are in for a treat, very knowledgeable and easy to talk to,I had a great conversation and now she is my agent what a great day!
I was waiting weeks to get pay, ever since they came up with this verification process. Thought of ending my contract early. But my account manager was changed to KATELYN HERBERT and I get my money the same day. She responds to my emails in no time. Getting me my money on time. I can tell she’s working to get things done. Previous manager wasn’t. She’s great.
We are experiencing a set back, we sent an invoice in on Monday and today is Thursday. We still haven't received payment, but we did receive some ineligible invoice charges. Our account is in the negative and we've been on the road for over a month. 😭 They have not explained why. Only that there hasn't been verification. I spoke with RTS which is the company to verify with and they have not heard from Ecapital. 🤨 Also every few months they have Technical issues which hold things up even more. Please keep track of all invoices put in and email copies for your protection.
We had a payment problem and we reached out to Skyla to help us resolve it. Shortly after.... Problem solved!! Thank you Skyla Baker!!
Rachel Moore is outstanding, Active and Hardworking!
Ruth Thank you one more time.
Honestly, we have a Non Recourse account and we were charged back for a broker that didn’t pay. This is what we pay E Capital extra for, to protect us from this. E Capital is not honoring our agreement and I would advise others to shop around before committing to them. No telephone communication at all.
THERESA GIFFORD is such a great asset to the company. Impeccable Service and Expertise at its finest
I did have some ongoing issues with getting invoices verified but ever since KATELYN HERBERT has come on board as my account manager - everything has been smooth sailing. Katelyn has been a gem to work with, and with her on the team, we get all our invoices paid on time, as well as any issues we have handled in an efficient manner. If you join eCapital, I highly recommend asking for Katelyn!
I've been with this company since 2018 and it has been a up hill battle. My resent issue is getting my funds released, the Broker mailed a check on the 10 of Feb and they claimed that they haven't reviewed it yet. It doesn't take 3 weeks for a check to get from MS to Dallas, TX. I have funds that are being held up on the count of this. I can only imagine the fees that are going to come with this. I've noticed a lot of unexplainable fees and that I've yet to get a answer on.
I been working with Ecapital and so far I am really impressed, they are always available to help when you are facing problems, they pay fast Darlene my account manager is very friendly and helpful
Andrew Dunkley is always helpful and gets me answers in a timely manner.
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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