Key differences
- eCapital is usually faster to fund (about 3 days vs about 5 days).
- Regions: altLINE covers US; eCapital covers US, UK.
Side by side
| altLINE | eCapital | |
|---|---|---|
| Product | Invoice factoring (The Southern Bank) | Factoring & ABL |
| Funding type | Invoice factoring & AR financing | Invoice factoring & AR financing |
| Estimated rate as of today | Rates shown to approved members | Rates shown to approved members |
| Pricing source | Estimated as of today | Estimated as of today |
| Time to cash | About 5 days | About 3 days |
| Typical size | Up to 90% of unpaid invoices | Up to 90% of unpaid invoices |
| Term | 1–3 months | 1–3 months |
| Requirements | Existing revenue · Unpaid B2B invoices | Existing revenue · Unpaid B2B invoices |
| Regions | US | US · UK |
| What they underwrite | Your customers' invoices | Your customers' invoices |
| Collateral | Receivables | Receivables |
| How you repay | Customer pays invoice | Customer pays invoice |
| Dilution | None | None |
altLINE vs eCapital FAQ
What is the difference between altLINE and eCapital?
eCapital is usually faster to fund (about 3 days vs about 5 days). Regions: altLINE covers US; eCapital covers US, UK.
Which is faster, altLINE or eCapital?
eCapital usually funds in about 3 days; altLINE takes about 5 days.
Which is cheaper for you?
The answer depends on your amount, term and revenue. The calculator prices both on the same basis — fees, warrants and dilution included.
Related comparisons
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.