Ruth is the best 👍
Ruth is the best 👍

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.
Ruth is the best 👍
Ruth DuPlessis is always on top of her game keep it up R
We have been working with Lina for almost 6 years now and she’s always given her all to help us.
Jack Kerr is our customer rep & he is AWESOME!! Customer since 2018
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.
LINA GOMEZ I been working with Lina Gomez for more than 4 years, and has done excellent service with my company mvo transport llc Thanks 🙏
Karime flores
An mejorando mucho la atención al cliente
I'm working with eCapital for about 3 years and they have a great services and also a very very good customer services,
Ecapial has got to be the worst company I have ever seen. They suck. They can't do their job and if you have an issue you get told we are not able to help because we don't have that information when it's right in front of them. Piss poor attitude and always an excuse why they can't fund. No department knows what the next one is doing because no one shares any information about what is happening with your account. You have to call to find out what is going on every day, and then get told they are waiting on verification when its been verified for hours or days. They used to be good but no more since they moved everything to Canada. Run away from this place as fast as you can. Don't go here if you value your business. They cost me my fuel card use because they won't fund on time. Thanks a whole bunch all of you incompetent people.
Hidden fees that weren't mentioned at all. Also to transfer each invoice they have fees....and no one tell you about it. So from 3% its actually 5% all day long.
The platform is easy to navigate and intuitive. The representative was helpful, communicative and friendly.
We give Ecapital a 5 stars due to the help our company has received after 3 months of a difficult and harsh Buyout between the prior factoring company that terminated our contract. We requested an Account manager change, to a bilingual one to accommodate the company needs, aside of the Lack of communication with the prior account manager (ghosted in occasions). Karime Flores was designated to us and it has been little bit more than a month working with her. Her patience, professionalism, work ethic and thrive to resolve (not create problems) has been That Clam after a difficult and stressful transition. She is in constant contact as needed and if she doesn't reply back that day, you’ll see the results next day. Always answers her line, keeps you updated if one day has passed and there has been no resolution, etc. I know a big company has to have a Team to play a their roll.. She plays hers well. From a 3 starts on a 3 month period, we Jumped to 5 in one month. Thank you Karime ! We appreciate you.
Unprofessional business practices, poor customer service, and refusal to honor my contract termination request. I signed up with Ecapital in 2022 and reached out on Nov 28, 2023, to terminate my contract before its January renewal. They failed to follow up with instructions for termination or how to pay the $750 buyout fee (yes...$750 just to leave). Since then, I’ve called and sent them a written cancellation notice to their contracting team, but they have not responded. Without my letter of release, other companies cannot pay me directly. What kind of company makes it this difficult to leave? This is completely absurd and unacceptable. Please just give me my release letter.
1. Have best pricing. 2. Fast Payment methods 3. Best Customer service ECapital is great factoring company to work with.
I can, as an owner operator I attest to what this company damages our industry, we, who risk ourselves every day to have the products in our homes. I ask that someone help us with this company that you cannot leave, in my case I have to pay $5000 plus $750 for not wanting to renew. Recently a broker did not pay them and they immediately made the decision to discount although they charge you 5% as a reserve in case something happens, a reserve that if you do not receive it in full, 1/3 is what they deposit, the rest disappears, they are immediately discounting it from me when they had said they would make an arrangement, I know they are going to say that they will contact me but that is a lie, they do not do it, I am going to make my account public every day for the rest of the year so that everyone can see the time they take with a single invoice even though the preparation for verification has already been done by me, my industry is hot shot, on all platforms I am going to make my account public every day. I am asking as an American citizen for someone to help us. If I cannot leave, I will definitely have to close my company. The equipment payments, insurance in FL, diesel and all the expenses we have as a company cannot be covered because they always have something to do with them. I did not have anyone who warned me about this company and I am very sorry that through them they want the companies that are here to be our last option to close it.
These people are horrible. Nothing but rip off artist. First, I'd like to talk about customer service. You always get someone who you can not understand or refer you to your account manager. Your account manager takes days get back to you. Now, the big problem is access of funds. Lost my card was on the road and took 2 weeks to get another card. Lastly, I have been out of the trucking industry for 5 months now. I've communicated this through email, phone with my account manager and customer service some how my contract renewed automatically. So the remaining funds in I still can not access. I was informed that if I cancel my contract prior to the renewal date . I have to pay $750 plus a $ 10,000 early termination fee, along with any other outstanding invoices. This a warning to not do business with these people . This is update after ecapital reply. The issue is still unresolved. I called now I got an offer to terminate my contract, waive all fees but keep the remaining $669.00 dollars that I have in my account. This a rip off no matter how you look at. This is literally money that I have earned over the road. And!!! ecapital already got paid for their service because they already charged a fee for factoring the BOL. So why should I pay another fee. The offer to terminate my contract and waive all others fees and charge the exact amount tharsin my account proves to me they refuse to release my funds. Yeah that will you see just me
I work for a broker in Arizona and we use eCapital as our factoring company. Our representative is Marjorie Jacome. Marjorie goes above and beyond for me when I need her. We had some issues in December and some of our loads were factored late and of course a few carriers were not happy. I reached out to Marjorie on 3 different loads that were problematic and asked for her help getting these carriers paid in a timely manner. She was professional and got it done for me and carriers were pleased. It is important to know you have a business partner that will go the extra mile when it is needed. I am thankful for Marjorie and the fact that she really listens, understands and does what needs to be done. Thank you Marjorie!
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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