# eCapital *Also known as eCapital* - Website: https://ecapital.com - Agent profile: https://nowen.ai/agents/ecapital-com - Industry: Fintech > Technology-driven provider of working-capital finance solutions. eCapital is a technology-enabled finance company providing working capital solutions to growing businesses. Through asset-based lending and receivables financing, invoice factoring, supply-chain finance, in-transit financing, and payroll-related funding, it helps clients accelerate cash flow, optimize liquidity, and support scalable growth. The company combines a digital-first platform with expert finance professionals to offer flexible terms, rapid funding, and clear, transparent processes. Serving sectors such as healthcare, staffing, consumer goods, and transportation, eCapital focuses on agility, relationships, accountability, and innovation to help businesses navigate financial challenges and capitalize on opportunities. It also emphasizes embedded lending and technology-driven approaches to extend financing options to customers and partners. **Mission:** To help businesses accelerate cash flow and growth through technology-enabled, flexible financing solutions. ## Products & Services ### [Asset-based Lending](https://ecapital.com/products/asset-based-line-of-credit/) *Product* Flexible financing option that leverages assets to improve cash flow. - **Quick Access to Capital** — Access Capital Quickly - **Flexible Terms** — Customize Repayment Options - **Asset Collateralization** — Leverage Assets for Funding - **Expert Guidance** — Receive Professional Support - **Streamlined Processes** — Simplify Financing Processes ### [A/R Financing](https://ecapital.com/products/accounts-receivables-financing/) *Product* Accelerate cash flow and enhance liquidity through efficient A/R Financing. - **Rapid Funding** — Enhances Cash Flow - **Streamlined Application Process** — Simplified Access to Capital - **Technology-Driven Solutions** — Optimized Financial Management - **Flexible Terms** — Custom Financing Options ### [Inventory Financing](https://ecapital.com/products/inventory-financing/) *Product* Unlock capital tied up in inventory quickly and efficiently to optimize cash flow and support business growth. - **Access Capital Using Inventory** — Unlock Capital From Inventory - **Flexible Financing Terms** — Tailor Payment Plans - **Rapid Funding Process** — Quick Access To Funds - **Technology-Driven Solutions** — Enhance Financial Management ### [In-transit Financing](https://ecapital.com/products/in-transit-financing/) *Product* Acquire immediate cash flow against freight bills with In-transit Financing. - **Quick Access to Capital** — Get Instant Liquidity - **Streamlined Payment Processes** — Simplify Billing - **Flexible Terms** — Customize Your Financing - **Expert Support** — Receive Professional Guidance ### [Acquisition Financing](https://ecapital.com/products/acquisition-financing/) *Product* Accelerate Your Growth Through Tailored Acquisition Financing Solutions. - **Flexible Financing Options** — Unlock New Growth Opportunities - **Rapid Funding Process** — Receive Funds Quickly - **Expert Financial Support** — Leverage Expert Guidance - **Technology-Driven Solutions** — Enhance Financial Management ### [CHOW Financing](https://ecapital.com/products/chow-financing/) *Product* Boost Cash Flow Management With Flexible Financing Options. - **Quick Access to Funds** — Gain Fast Access To Capital - **Flexible Payment Solutions** — Enhance Cash Flow Management - **Integrated Technology Platform** — Streamline Financing Processes - **Dedicated Financial Support** — Receive Expert Guidance ### [DIP Financing](https://ecapital.com/products/dip-financing/) *Product* Secure operational liquidity during chapter 11 bankruptcy for successful restructuring. - **Operational Liquidity** — Ensures Continuity of Operations - **Rapid Funding** — Accelerates Cash Flow - **Flexible Terms** — Adapts to Business Needs - **Strategic Support** — Guided Financial Management ### [Exit Financing](https://ecapital.com/products/exit-financing/) *Product* Facilitates Business Transitions With Crucial Capital. - **Mergers And Acquisitions Funding** — Secure Mergers And Acquisitions - **Flexible Funding Terms** — Tailor Funding Options - **Rapid Funding Process** — Access Capital Quickly ### [Healthcare Receivables Financing](https://ecapital.com/products/healthcare-abl/) *Product* Accelerate cash flow for healthcare providers through flexible receivables financing. - **Fast Funding** — Get Funds Immediately - **Flexible Terms** — Tailor Payment Plans - **Dedicated Support** — Access Expert Guidance - **Technology-Enabled Solutions** — Leverage Digital Tools - **Transparent Processes** — Understand Financing Clearly ### [Invoice Factoring](https://ecapital.com/products/invoice-factoring/) *Product* Accelerate cash flow by converting invoices into immediate funding. - **Immediate Cash Flow** — Obtain Quick Funding - **Digital Platform Integration** — Simplify Processes - **Flexible Terms** — Tailor Financing Solutions - **Expert Support** — Leverage Financial Expertise ### [Freight Factoring](https://ecapital.com/products/freight-factoring/) *Product* Freight Factoring provides immediate cash flow for trucking companies through advanced financing against invoices. - **Immediate Cash Flow** — Receive Cash Instantly - **Fast Approval Process** — Quick Approval - **Flexible Terms** — Adapt Financing Terms - **Support for Growth** — Facilitate Business Growth - **No Debt Incurred** — Avoid New Debt ### [Payroll Funding](https://ecapital.com/products/payroll-funding/) *Product* Enable timely payroll payments and financial management for staffing businesses. - **24/7 Access** — Manage Finances Anytime, Anywhere - **Rapid Funding** — Ensure Timely Payroll Processing - **Scalable Solutions** — Scale with Business Needs - **Embedded Lending Options** — Simplify Funding Processes ### [Sales Ledger Financing](https://ecapital.com/products/sales-ledger-financing/) *Product* Unlock working capital based on sales ledger invoices to enhance liquidity and accelerate cash flow. - **Quick Access to Funds** — Receive Funds Rapidly - **Flexible Terms** — Tailor Financing Solutions - **Technology-Enabled Solutions** — Streamline Financial Management ### [Supply Chain Finance](https://ecapital.com/products/supply-chain-finance-for-buyers/) *Product* Improve cash flow and enhance liquidity with our Supply Chain Finance solutions. - **SCF Platform** — Optimize Invoice And Payment Flows - **Dynamic Discounting** — Unlock Early Payment Discounts - **B2B Buy Now, Pay Later** — Extend Payment Terms For Purchases ### [Liquid Inventory](https://ecapital.com/solutions/liquid-inventory/) *Solution* Provides capital using inventory as collateral for marketplace sellers. - **Inventory-backed capital** — Leverage Inventory For Financing ### [FastTrack](https://ecapital.com/solutions/fasttrack/) *Solution* Optimizes invoice and payment flows for seamless supply chain finance. - **Invoice and payment flow optimization** — Streamlines Processes - **Digital-first platform** — Enhances User Experience - **Flexible financing options** — Accommodates Diverse Needs - **Real-time tracking** — Improves Financial Oversight ### [Dynamic Discounting](https://ecapital.com/products/dynamic-discounting/) *Product* Enhance Cash Flow Through Flexible Early Payment Discounts. - **Early Payment Discounts** — Enhance Liquidity With Discounts - **Flexible Payment Terms** — Customize Payment Processes - **Streamlined Invoice Processing** — Reduce Administrative Costs ## Market Segments - **Receivables financing** (market size $164.1B, CAGR 11%): Financing that converts outstanding invoices into immediate working capital, including invoice factoring, receivables lending, and revolving AR credit lines to improve cash flow and liquidity. - **Supply chain finance** (market size $13.4B, CAGR 8.8%): Capabilities that optimize payment cycles between buyers and suppliers, including dynamic discounting and platforms that accelerate invoice and payment flows. - **Asset-based lending** (market size $815.3B, CAGR 11%): Collateralized lending secured by business assets such as receivables and inventory, providing higher advance rates and flexible terms for manufacturers, distributors, and asset-rich SMBs. - **Freight financing, insurance, and working capital** (market size $5.0B, CAGR 10.32%): Financial products that improve cash flow and transfer risk, including factoring, per-load insurance, fuel programs, and surety bonds. - **Payroll funding** (market size $2.0B, CAGR 12.5%): Embedded and on-demand funding to cover payroll obligations and staffing cash-flow needs, scalable for staffing and services firms.