Dedicated
I have a very good experience working with Angel Nayak. She is very helpful and dedicated. She solves all problems and makes it easy for us.

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.
I have a very good experience working with Angel Nayak. She is very helpful and dedicated. She solves all problems and makes it easy for us.
Excellent service by e capital and my wonderful account manager ( Vicky Milham ) The best account manager ever Very good problem solver
Working with Darlene is fantastic. She gets done what needs to get done and as fast as possible.
BECAUSE I THINK THAT HAVE THE BEST ACCOUNT REP IN YOUR COMPANY VICKI MILHAM SHE'S ALWAY HELPFUL AND ALWAYS HAVE TIME FOR ALL HER CLIENTS, I PERSONALLY THE OWNER OF STATESMAN EXPRESS LLC THINKS SHE DESERVES A BONUS
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Mrs. Angel my account manager is absolutely the best. She simple makes my life easier. Every question to every situation is answered immediately. She's unbelievable and definitely a asset to my company.
From the moment I first reached out to Vicki (account manager), I was met with exceptional customer service. Every interaction, from my initial inquiry to the final steps of my experience, was handled with professionalism, kindness, and efficiency. She took the time to understand my needs, answered all my questions thoroughly, and ensured everything went smoothly. Even now, I continue to be impressed by their commitment to customer satisfaction. It’s clear that her dedication hasn’t changed over time, and I truly appreciate their consistency.
I’ve been with eCap about 5 yrs…Overall eCap is a pretty good factoring company ups and downs but that’s with all of them…things have been going pretty good the last 6 months or so with my new account manager s/o to Ruth…my previous account manager was great as well, Becky.
Love to work with Gail Karns, always helpful wheneven we need.. one of the best account manager in good company
We have been working with eCapital for almost 5 years now they have always been great our current account manager Angel Nayak is awesome she is quick and efficient in solving any issues that arise or guides me thru it.
ANGEL NAYAK
Have been with ECapital for 6 months. Customer service team and Gail Karns have been amazing compared to my previous factoring company. Highly recommend-Lucky Truck Logistics
Always Recommend E-capital to everyone, because of their best customer service and professional working environment. Specially Michelle Drake is the best.
My experience has been very awesome and I have no problems with eCapital
I appreciate how fast ecapital gets me paid. Many times it is the same business day. I am giving a shout out to Web Kendry as well, he handles my account and unlike most services provided, he is very quick to get back to me when I have a concern.
I love ecapital. As a brokerage they dont charge me an arm and a leg, they are quick to get me paid and my account manager, Web Kendry is always so present when I need him, from concerns to information. He is 5 starts also!
Actually, working with an amazing account manager like Theresa Gifford would make this company the best to work with
Run run RUN Lots of hidden fees. Don’t be fooled by the percentage! They have a minimum factor fee. The money goes to a portal. You have to pay even more to get it out of their portal. The contract automatically renews and you have to pay them to get out of it, even after your contract period is over!!!! Don’t sign their contract without a LAWYER reading it first!
I have been with eCapital for approximately 3 years and the experience has been fairly good. If I have any problems or issues with funding Angel Nayak is quick to resolve them. She makes staying with eCapital easy. Thank you Angel
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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