Key facts
| Product | Factoring & ABL |
| Funding type | Invoice factoring & AR financing |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 3 days |
| Typical size | Up to 90% of unpaid invoices |
| Term | 1–3 months |
| Requirements | Existing revenue · Unpaid B2B invoices |
| Regions | US · UK |
| What they underwrite | Your customers' invoices |
| Collateral | Receivables |
| How you repay | Customer pays invoice |
| Dilution | None |
The estimated rate for eCapital, as of today, is shown to approved members. Sign in to see it.
eCapital pros and cons
- Widest Reach award, Invoice factoring & AR financing (2026)
- Fast: about 3 days to cash
- Non-dilutive: no equity or warrants
- No revenue minimum listed
- Pricing isn't public
Long payment cycles with creditworthy customers.
Priced per month outstanding; some funders contact your customers.
eCapital alternatives
Other invoice factoring & AR financing providers, fastest first.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| Triumph Invoice factoring (TBK) |
Rates shown to approved members | About 3 days | Existing revenue · Unpaid B2B invoices | Compare → |
| altLINE Invoice factoring (The Southern Bank) |
Rates shown to approved members | About 5 days | Existing revenue · Unpaid B2B invoices | Compare → |
| Riviera Finance Invoice factoring |
Rates shown to approved members | About 5 days | Existing revenue · Unpaid B2B invoices | Compare → |
Compare eCapital
eCapital FAQ
How much does eCapital cost?
The estimated rate for eCapital, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and eCapital's underwriting.
How fast does eCapital fund?
About 3 days from application to cash, based on typical timelines.
What are eCapital's requirements?
Existing revenue, unpaid B2B invoices. Available in US, UK.
How much can you get from eCapital?
Up to 90% of unpaid invoices. Terms run 1–3 months.
Does eCapital require a personal guarantee?
A personal guarantee isn't listed as a requirement for eCapital.
What are the best alternatives to eCapital?
Other invoice factoring & AR financing providers include Triumph (about 3 days); altLINE (about 5 days); Riviera Finance (about 5 days). Compare all 4 side by side on B2B Agent.
Is eCapital the best invoice factoring & AR financing provider?
eCapital won Widest Reach among 4 invoice factoring & AR financing providers in the 2026 B2B Agent Awards. The best fit still depends on your amount, revenue, and timeline.
eCapital won 1 B2B Agent Award in 2026
Awards are rule-based: a provider wins only if it beats every other provider of its funding type on the published data, and ties award nobody. See how winners are chosen. Work at eCapital? Copy the code below to show your award on your website.
Something out of date? Update this listing and we'll review it within two business days.
Is eCapital your best option?
Price eCapital against all 84 options for your amount, revenue and timeline — then ask for an introduction to the best fits.
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.