Getting a little slow with the payments…
Getting a little slow with the payments for factored loads.

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.
Getting a little slow with the payments for factored loads.
I have been working with ECapital for over 8years now, honestly speaking we have had a lot of ups and downs with the factoring itself and some employees, more downs than ups. But ever since Karime has been handling our account, she has been great, I would give her, herself a 5-star review. She really provides a great service, every phone call we have had she is always with a great attitude, fast, and reliable, ready to help with no excuses. Unlike many others at ECapital. She has been the best account manager we have had in 8+ years.
Get rid of the cards,... What's the point in having direct deposit if you're gonna put it on a card?
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Not good communication i tried to reach customer service and they don't answer
I started with 2.75% then it went up to 3.95% In addition you still need to request ruch funding if you need your money same day it cost additional 1% each invoice processing is $ 2 and another $ 9 to get funds to your bank account together is 5% everything
I like the two people we’ve spoken to so far, they’re nice and helpful. However, the regular customer service line is full of the worst and stereotypical “mean girls” who hate their job. We switched to eCapital from our old factoring company since they’d no longer work for the west coast. Trying to do simple things have been the hardest, and again, the customer service phone line is awful.
Everything gone just like that. I will be conscious of stuffs like this next time. Their attitude towards dispensations is disgusting. Search for and check out how seamless and prompt viam equ itas process dispensations. They're the true wonderland.
Just don’t like the fact that all the fees that are taken from pay was never talked about prior. The only fee was explained was one factoring fee. Not once the factoring fee we also take $25 for this another $10 to put money into your account. None of this was explained.
Customer service is good, but the system does not work well. I always need to get help on how to submit anything. The phone app needs more work, it freezes and make you start that process all over again. If it was not for Sam and Harsh, I would not be able to get things submitted.
Theresa is amazing super good person and good help. I'm sure you guys trained her. I sold Kirby's and made over 50k in 3 months turned around and donated it to my church. money is paper credit is key, right. so, I know how to badger. lol. I've been in sales my whole life and the positivity is great. But one thing you guys need to work on is being transparent with your clients all the hidden fees is VERY disheartening. If that's how you make money by half-truths I'm sorry. But that is American business. I'm the same way, just sucks when it happens to you. "33 dollars on every thousand" oh but wait there's more like man c'mon you guys already used a woman to sell me and then took money from a broke carrier living on a dream. I heard truck stop is a flat 2 percent that's it.. American want to be corporations are nastier than the big dogs. Now will I work with you well yes because I have to buy out now, will I sign up after? Absolutely not.
I wrote a bad review based on Ecapital’s service. I can tell you that they switched their process back to having account managers and the service has dramatically improved. I gave them a 3 star rating because it’s going to take time for the account managers to dig out of the mess that was created. But it’s definitely improving
I was somewhat disappointed about the fees for EVERYTHING! Feels like we’re being nickeled and dime f for everything and I as unaware of the cost to transfer money to an external account. Also, I had issues with the fuel cards and getting them to work not to mention the fact that the fee to do an advanced fueling could not be waived even though I had no fault in the cards not working as they should! On a lighter note I am pleased with the app and ease to navigate it as well as being able to set up restricted users
Was kind of upset that our first day with y’all and our rates went up!!!!
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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