{"id":43741,"date":"2025-12-06T05:16:00","date_gmt":"2025-12-06T05:16:00","guid":{"rendered":"https:\/\/swoopfunding.com\/us\/?post_type=lender-review&#038;p=43741"},"modified":"2025-12-08T17:03:29","modified_gmt":"2025-12-08T17:03:29","slug":"ecapital-business-loan-review-interest-rates-eligibility-and-the-application-process","status":"publish","type":"lender-review","link":"https:\/\/swoopfunding.com\/us\/lender-review\/ecapital\/","title":{"rendered":"eCapital business loan review: Interest rates, eligibility, and the application process"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"43741\" class=\"elementor elementor-43741\" data-elementor-post-type=\"lender-review\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64fbc99 e-flex e-con-boxed e-con e-parent\" data-id=\"64fbc99\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0647557 elementor-widget elementor-widget-text-editor\" data-id=\"0647557\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Some lenders build their reputation by offering a single, simple loan. eCapital built its name by doing almost the opposite. Since 2006, it has become one of the most active alternative finance providers in North America by specialising in <\/span><a href=\"https:\/\/swoopfunding.com\/ca\/business-glossary\/asset-based-lending\/\"><span style=\"font-weight: 400;\">asset-backed lending<\/span><\/a><span style=\"font-weight: 400;\">, the kind of funding designed for businesses with cash tied up in receivables, equipment, or inventory rather than spare cash in the bank.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For founders who don\u2019t want to dilute equity, can\u2019t wait for bank committees, or have outgrown traditional loan structures, eCapital has become a go-to. But it\u2019s also a lender that looks and operates differently from mainstream term-loan providers, and that matters when deciding whether it\u2019s right for your business.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below is a full breakdown of what eCapital actually offers, what it doesn\u2019t, and how small and mid-sized businesses can approach the application process with confidence.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c47987 question elementor-widget elementor-widget-heading\" data-id=\"5c47987\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">An overview of eCapital business loans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c869cb2 answer elementor-widget elementor-widget-text-editor\" data-id=\"c869cb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">eCapital is not a traditional business-loan company. Instead of issuing <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/unsecured-business-loans\/\"><span style=\"font-weight: 400;\">unsecured term loans<\/span><\/a><span style=\"font-weight: 400;\"> or fixed-rate instalment financing, the provider focuses on several core areas:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/asset-based-lending\/\"><b>Asset-based lending (ABL)<\/b><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Accounts receivable financing and invoice factoring<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Inventory financing<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Equipment refinancing<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Specialised solutions such as freight factoring and payroll funding<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These products share one idea. If your business generates invoices, holds inventory, or owns equipment, those assets can unlock working capital far faster than a bank\u2019s underwriting cycle.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The company\u2019s portfolio also reaches into niche segments like staffing payroll and trucking freight factoring \u2014 two industries where predictable cash flow can be the difference between surviving and scaling.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c64a40c question elementor-widget elementor-widget-heading\" data-id=\"c64a40c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Does eCapital offer unsecured finance?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbc0515 answer elementor-widget elementor-widget-text-editor\" data-id=\"dbc0515\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">No.<\/span> <span style=\"font-weight: 400;\">eCapital does not offer unsecured business loans, unsecured term loans, merchant cash advances, or conventional working capital loans based on a borrower\u2019s credit profile alone.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is a strategic choice, not a gap in the catalogue. eCapital\u2019s entire model is built around asset-driven underwriting. Instead of pricing risk based on credit scores and profitability ratios, they assess the value and quality of a business\u2019s existing assets:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unpaid invoices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inventory on hand<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Machinery, vehicles, or equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Purchase orders or contract-backed receivables<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This makes eCapital accessible to businesses that may struggle with traditional credit assessments, but it also means the company is not the right match for borrowers seeking unsecured, low-documentation, general-purpose funding.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dcaed92 elementor-widget elementor-widget-heading\" data-id=\"dcaed92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">eCapital\u2019s secured financing options<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63d3e1e question elementor-widget elementor-widget-heading\" data-id=\"63d3e1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Asset-based lending (ABL)\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ed7532 answer elementor-widget elementor-widget-text-editor\" data-id=\"3ed7532\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">ABL is the flagship product for businesses needing scalable <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/working-capital-loans\/\"><span style=\"font-weight: 400;\">working capital<\/span><\/a><span style=\"font-weight: 400;\">. Facilities can range into the tens of millions, and funding grows with the value of the borrower\u2019s assets.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Businesses typically leverage:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accounts receivable<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inventory<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Occasionally real estate<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">ABL is often used by companies experiencing growth, seasonality, supply chain pressure, or a temporary cash squeeze. Limits can reach well over $100 million for qualifying mid-market firms.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b77f0a question elementor-widget elementor-widget-heading\" data-id=\"0b77f0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Accounts receivable financing\/invoice factoring<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6288d2a answer elementor-widget elementor-widget-text-editor\" data-id=\"6288d2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">One of eCapital\u2019s best-known offerings, factoring converts unpaid customer invoices into immediate liquidity. Rather than waiting 30 to 90 days to get paid, businesses receive an advance (often 80% to 100% depending on product) while eCapital handles the collection process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is widely used in:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transportation and logistics<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Staffing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Manufacturing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wholesale and distribution<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Discount rates generally fall between 1% and 4% of invoice value, depending on risk, industry, and volume.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d5472c question elementor-widget elementor-widget-heading\" data-id=\"0d5472c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Inventory financing\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e4f348 answer elementor-widget elementor-widget-text-editor\" data-id=\"2e4f348\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Inventory-rich businesses often sit on pallets of untapped working capital. eCapital finances up to 90% of the net orderly liquidation value (NOLV) of inventory, allowing companies to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Restock ahead of demand<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Manage seasonality<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fund growth cycles<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maintain supplier relationships<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This option is common in consumer goods, wholesale, retail, and manufacturing.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96c2456 question elementor-widget elementor-widget-heading\" data-id=\"96c2456\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Equipment refinancing<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8aeb766 answer elementor-widget elementor-widget-text-editor\" data-id=\"8aeb766\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Instead of purchasing new machinery, eCapital helps businesses borrow against equipment they already own. Facilities range from $250,000 up to $30 million, providing flexible capital for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Operations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expansion<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cash-flow smoothing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt consolidation<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Unlike traditional equipment loans, the funds can be used for almost any business purpose.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69d0d4e question elementor-widget elementor-widget-heading\" data-id=\"69d0d4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Government-backed lending: Does eCapital participate?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2364798 answer elementor-widget elementor-widget-text-editor\" data-id=\"2364798\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">No. eCapital does not participate in government guarantee schemes or <\/span><a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/\"><span style=\"font-weight: 400;\">SBA-style programmes<\/span><\/a><span style=\"font-weight: 400;\">. Its entire model is private, collateral-based lending with a focus on speed and structured facilities rather than government-backed credit programmes.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-593d4a2 question elementor-widget elementor-widget-heading\" data-id=\"593d4a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Additional funding products<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-716c281 answer elementor-widget elementor-widget-text-editor\" data-id=\"716c281\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">eCapital also offers several specialised solutions tailored to high-volume or cash-sensitive industries:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Payroll funding<\/b><span style=\"font-weight: 400;\"> for staffing companies<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Freight factoring<\/b><span style=\"font-weight: 400;\"> with advances up to 100%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Purchase order finance<\/b><span style=\"font-weight: 400;\"> (through some divisions)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/business-line-of-credit\/\"><b>Business lines of credit<\/b><\/a><span style=\"font-weight: 400;\"> are available only as add-ons to existing facilities<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These are not standalone term-loan products but extensions of the core asset-based model.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-522556f question elementor-widget elementor-widget-heading\" data-id=\"522556f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is eCapital\u2019s typical interest rate?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ff8175 answer elementor-widget elementor-widget-text-editor\" data-id=\"8ff8175\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Here\u2019s what is publicly and reliably known:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Factoring fees:<\/b><span style=\"font-weight: 400;\"> Around 1% to 4% of invoice value<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Equipment financing:<\/b><span style=\"font-weight: 400;\"> Discount rates vary based on collateral quality<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>ABL:<\/b><span style=\"font-weight: 400;\"> Rates tend to be lower than unsecured loans because risk is collateralised<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Term APR ranges (where applicable):<\/b><span style=\"font-weight: 400;\"> Our research showed around 8.99% to 24.99%, though eCapital does not publish official APRs<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A consistent theme emerges here. The more liquid and high-quality your assets, the better your pricing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because eCapital doesn&#8217;t price loans like a bank, the most accurate expectation is that rates are customised case-by-case rather than posted publicly.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-790ded4 question elementor-widget elementor-widget-heading\" data-id=\"790ded4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Eligibility criteria and whether you qualify\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01171be answer elementor-widget elementor-widget-text-editor\" data-id=\"01171be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ebury\u2019s Supplier Payment Finance requires a business to meet several tangible thresholds:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>At least \u00a31M annual revenue<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u00a3100,000 tangible net worth<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>At least two years of healthy trading history<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">These are clear, quantitative markers, and more transparent than what many lenders provide. The criteria lean toward established SMEs rather than early-stage founders or pre-revenue businesses.<\/span><\/p><p><span style=\"font-weight: 400;\">Beyond these benchmarks, Ebury also considers:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up-to-date management accounts<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aged debtor and creditor lists<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consistency of revenue<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Supplier relationships and invoice patterns<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Since the product is unsecured, financial discipline and stable performance are key indicators.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b809d20 question elementor-widget elementor-widget-heading\" data-id=\"b809d20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much can I borrow with an eCapital business loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf6ea52 answer elementor-widget elementor-widget-text-editor\" data-id=\"cf6ea52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Because their model is asset-driven, lending limits scale with your collateral:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>ABL facilities:<\/b><span style=\"font-weight: 400;\"> Several million up to $100 million or more<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>A\/R financing:<\/b><span style=\"font-weight: 400;\"> Up to $25 to $30 million, depending on source<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Inventory finance:<\/b><span style=\"font-weight: 400;\"> Often tied to 80% to 90% of NOLV<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Equipment refinancing:<\/b><span style=\"font-weight: 400;\"> $250,000 to $30 million<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Freight factoring:<\/b><span style=\"font-weight: 400;\"> Up to 100% advance<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In practice, eCapital works with businesses from $1 million annual revenue up to mid-market enterprises, but the largest facilities serve businesses with significant receivable or inventory volume.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f6be9a question elementor-widget elementor-widget-heading\" data-id=\"5f6be9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the acceptance rate for an eCapital business loan?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bc7ee2 answer elementor-widget elementor-widget-text-editor\" data-id=\"0bc7ee2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">eCapital doesn&#8217;t publish an official approval rate. However, their underwriting relies less on borrower credit and more on asset quality and customer payment behaviour.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This creates a higher approval likelihood for businesses that:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sell B2B<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hold meaningful receivables or inventory<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have creditworthy customers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have predictable invoicing cycles<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This also explains why many young businesses, especially staffing firms or trucking operators, can secure funding with limited credit history.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-523030d question elementor-widget elementor-widget-heading\" data-id=\"523030d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Eligibility criteria and whether you qualify\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b22e3b2 answer elementor-widget elementor-widget-text-editor\" data-id=\"b22e3b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">eCapital\u2019s eligibility criteria vary by product, but some general themes apply.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee231ed question elementor-widget elementor-widget-heading\" data-id=\"ee231ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Minimum credit score<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe0de23 answer elementor-widget elementor-widget-text-editor\" data-id=\"fe0de23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">While some factoring products mention minimum FICO scores around 600, eCapital emphasises that customer creditworthiness often matters more than the business\u2019s.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For ABL and equipment financing, stronger credit helps but is not the deciding factor.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d539550 question elementor-widget elementor-widget-heading\" data-id=\"d539550\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Time in business<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36c0bcd answer elementor-widget elementor-widget-text-editor\" data-id=\"36c0bcd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ABL often requires two years in business.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Some products accept younger businesses if they show established revenue.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Freight factoring is known to support even very young carriers.<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c64e5c question elementor-widget elementor-widget-heading\" data-id=\"9c64e5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Annual revenue<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9e7d84 answer elementor-widget elementor-widget-text-editor\" data-id=\"c9e7d84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ABL facilities typically expect $2M or more in annual revenue.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Factoring and freight finance have lower thresholds, sometimes far below $1M depending on volume.<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-646e853 question elementor-widget elementor-widget-heading\" data-id=\"646e853\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Industry<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9432b9 answer elementor-widget elementor-widget-text-editor\" data-id=\"c9432b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">eCapital actively supports:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transportation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Staffing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Manufacturing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wholesale<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consumer goods<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Construction<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oil and gas services<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b193d25 question elementor-widget elementor-widget-heading\" data-id=\"b193d25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Geography<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79f4877 answer elementor-widget elementor-widget-text-editor\" data-id=\"79f4877\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">eCapital is active across:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The United States<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Canada<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The United Kingdom<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Some regional variations apply based on local regulations and industry norms.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cdb35c question elementor-widget elementor-widget-heading\" data-id=\"0cdb35c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Additional information<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01ff493 answer elementor-widget elementor-widget-text-editor\" data-id=\"01ff493\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Because eCapital\u2019s products don\u2019t behave like traditional term loans, it helps to understand how the mechanics work day-to-day. Here\u2019s what to expect behind the scenes\u2014timelines, security, payoffs, and everything in between.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc9b81d question elementor-widget elementor-widget-heading\" data-id=\"fc9b81d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Early repayment fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da1ce7b answer elementor-widget elementor-widget-text-editor\" data-id=\"da1ce7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Because many products are not structured as traditional term loans, early repayment rules vary. For factoring and ABL, you&#8217;re generally paying for usage rather than paying down a fixed balance early.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63701e8 question elementor-widget elementor-widget-heading\" data-id=\"63701e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How long does approval take?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a5cede answer elementor-widget elementor-widget-text-editor\" data-id=\"4a5cede\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The organisation\u2019s technology-driven underwriting means approvals often occur within:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>A few hours to a few days<\/b><span style=\"font-weight: 400;\"> for factoring<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Several days to weeks<\/b><span style=\"font-weight: 400;\"> for multi-million-dollar ABL facilities<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Complex deals naturally take longer, especially those involving multiple asset classes.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dcf223e question elementor-widget elementor-widget-heading\" data-id=\"dcf223e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Estimated time to receive funds<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92c1560 answer elementor-widget elementor-widget-text-editor\" data-id=\"92c1560\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Once a facility is active:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Factoring and freight businesses may receive funds <\/span><b>within 24 hours<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ABL drawdowns are typically <\/span><b>same-week<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equipment facilities fund after collateral verification is complete<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d3458e question elementor-widget elementor-widget-heading\" data-id=\"3d3458e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Can a loan be repaid early?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-648c4d9 answer elementor-widget elementor-widget-text-editor\" data-id=\"648c4d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Generally, yes, but with structured facilities like ABL, the concept of &#8220;repaying early&#8221; is less relevant as you typically use and repay funds as needed.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b893c3c question elementor-widget elementor-widget-heading\" data-id=\"b893c3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Is security required?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-098beba answer elementor-widget elementor-widget-text-editor\" data-id=\"098beba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Always. eCapital\u2019s entire model is secured lending backed by:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Receivables<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inventory<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equipment<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">There are no unsecured credit products.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-487385f question elementor-widget elementor-widget-heading\" data-id=\"487385f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What documentation is required<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d86a2d3 answer elementor-widget elementor-widget-text-editor\" data-id=\"d86a2d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">It varies by facility, but common items include:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15150d0 question elementor-widget elementor-widget-heading\" data-id=\"15150d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Business information\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1da0c9a answer elementor-widget elementor-widget-text-editor\" data-id=\"1da0c9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Formation documents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business tax returns<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financial statements (P&amp;L, balance sheet, cash flow)<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45dac69 question elementor-widget elementor-widget-heading\" data-id=\"45dac69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Business owner information\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fddbb74 answer elementor-widget elementor-widget-text-editor\" data-id=\"fddbb74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identification<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ownership structure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sometimes personal guarantees (case-specific)<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec76b2a question elementor-widget elementor-widget-heading\" data-id=\"ec76b2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Funding requirement\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7b453c answer elementor-widget elementor-widget-text-editor\" data-id=\"f7b453c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accounts receivable ageing reports<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inventory listings and valuations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equipment schedules<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customer contracts or purchase orders<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Multi-million-dollar facilities involve more due diligence, sometimes including site visits or collateral appraisals.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1b0095 question elementor-widget elementor-widget-heading\" data-id=\"b1b0095\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to apply for an eCapital business loan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4faf6e1 answer elementor-widget elementor-widget-text-editor\" data-id=\"4faf6e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Applying with eCapital doesn\u2019t feel like submitting a quick online form and waiting for an automated decision. Their funding model is built around asset quality, collateral value, and cash-flow behaviour, so the process is more consultative than transactional. Instead of a rate calculator or instant quote, you\u2019re paired with a specialist who structures a facility around your receivables, inventory, or equipment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For businesses that want a tailored solution rather than a cookie-cutter loan, this approach can be a real advantage. But it also means you should be ready to speak openly about your financials, your customers, and the pressure points inside your cash cycle.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-977766a question elementor-widget elementor-widget-heading\" data-id=\"977766a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Is the application process different from other lenders?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21dba5d answer elementor-widget elementor-widget-text-editor\" data-id=\"21dba5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yes. While many alternative lenders use instant online applications, eCapital requires direct engagement with a specialist.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is because:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Facilities are customised<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Underwriting depends on asset quality<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Terms must match cash-flow realities in each industry<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It\u2019s not a \u201cplug in your revenue and get an instant quote\u201d lender. The basic steps will include:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Speaking with an eCapital advisor via phone or contact form<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Providing business and financial documentation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Underwriting reviews asset values<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A facility is structured and negotiated<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Funding begins once documents are signed<\/span><\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-edabecd question elementor-widget elementor-widget-heading\" data-id=\"edabecd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to improve your chances of getting funded\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db5f29b answer elementor-widget elementor-widget-text-editor\" data-id=\"db5f29b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep clean, well-organised receivables data<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Demonstrate customer credit quality<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provide up-to-date financials<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Highlight predictable cash-flow patterns<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Share growth plans to justify facility size<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db8d0bd question elementor-widget elementor-widget-heading\" data-id=\"db8d0bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pros &amp; cons of an Ebury business loan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-726b9fa answer elementor-widget elementor-widget-text-editor\" data-id=\"726b9fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Before choosing an asset-based lender, it helps to understand what eCapital excels at and where it may fall short for certain types of businesses. Their solutions can unlock meaningful liquidity for companies that generate strong receivables or hold valuable inventory or equipment, but the model isn\u2019t built for everyone. Here\u2019s how the trade-offs break down.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b39249 elementor-widget elementor-widget-ucaddon_pros\" data-id=\"4b39249\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_pros.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t \n <div class=\"pros\">\n <div class=\"header-pro\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/images\/pros.svg\" width=\"72\" height=\"72\" alt=\"Pros\">\n <p class=\"title\">Pros<\/p>\n <\/div>\n <div class=\"content-pro\">\n <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High funding limits \u2014 into the tens or hundreds of millions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accessible for businesses with limited credit history<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fast approval and funding cycles<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Specialised industry expertise<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Facilities grow with your assets<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ABL, factoring, and equipment finance all under one roof<\/span><\/li>\n<\/ul> <\/div>\n <\/div>\n \n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ae6d1b elementor-widget elementor-widget-ucaddon_cons\" data-id=\"4ae6d1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_cons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t \n <div class=\"cons\">\n <div class=\"header-cons\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/images\/cons.svg\" width=\"72\" height=\"72\" alt=\"Cons\">\n <p class=\"title\">Cons<\/p>\n <\/div>\n <div class=\"content-cons\">\n <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No unsecured loans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rates are not published publicly<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Must speak with a representative (no instant online application)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">More documentation than simple online lenders<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Asset-based structure may not suit service businesses without collateral<\/span><\/li>\n<\/ul> <\/div>\n <\/div>\n \n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d7ba87 question elementor-widget elementor-widget-heading\" data-id=\"3d7ba87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Alternative funding options from other lenders<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff455f1 answer elementor-widget elementor-widget-text-editor\" data-id=\"ff455f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you&#8217;re unsure whether an asset-based lender is the right fit, here are alternatives:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Unsecured term-loan providers<\/b><span style=\"font-weight: 400;\"> for predictable instalment financing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-loan-lenders\/\"><b>SBA lenders<\/b><\/a><span style=\"font-weight: 400;\"> for government-backed guarantees and lower rates<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/revenue-based-financing\/\"><b>Revenue-based lenders<\/b><\/a><span style=\"font-weight: 400;\"> for funding based on monthly revenue<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Invoice finance specialists<\/b><span style=\"font-weight: 400;\"> for simpler factoring arrangements<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Equipment finance companies<\/b><span style=\"font-weight: 400;\"> for purchase-specific funding<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Each fills a different role depending on your cash-flow needs and collateral profile.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4627ef0 question elementor-widget elementor-widget-heading\" data-id=\"4627ef0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why use a finance broker?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-140b9b5 answer elementor-widget elementor-widget-text-editor\" data-id=\"140b9b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Most business owners only shop for funding when they urgently need it, which is exactly when the market feels confusing, rushed, and stacked with terms that don\u2019t always mean what they sound like. Asset-based lending adds another layer: advance rates, concentration limits, covenants, collateral monitoring. It\u2019s a lot to navigate while you\u2019re also trying to run a business.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s where a broker makes the difference.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A partner like Swoop sits on your side of the table, helping you understand which lenders work best for your industry, which products actually suit your cash-flow patterns, and where you\u2019re likely to get the strongest approval, not just the fastest \u201cyes.\u201d You avoid wasting time on applications that won\u2019t go anywhere, you get clarity on pricing before you sign anything, and you protect yourself from term-sheet surprises that can quietly erode your liquidity.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f13f0f question elementor-widget elementor-widget-heading\" data-id=\"2f13f0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get started with Swoop\u2019s business funding platform<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1539bb answer elementor-widget elementor-widget-text-editor\" data-id=\"e1539bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If eCapital feels like a strong contender, or if you\u2019re still figuring out whether asset-based lending, factoring, or an entirely different structure fits your situation, Swoop makes the next step easy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You\u2019ll see lenders compared side-by-side, with clear explanations of how each facility works, what it costs, and why one option might serve your growth better than another. No guesswork, no pressure, and no digging through half a dozen application portals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you\u2019re ready, our team helps you move forward with confidence \u2014 whether that\u2019s with eCapital, another specialist lender, or a different funding pathway altogether.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re exploring growth and want certainty in your options, <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/apply-now\/\"><span style=\"font-weight: 400;\">apply with Swoop today<\/span><\/a><span style=\"font-weight: 400;\">. You bring the ambition. We\u2019ll bring the clarity.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d26aaa elementor-widget elementor-widget-button\" data-id=\"9d26aaa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/swoopfunding.com\/us\/business-loans\/apply-now\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Register with Swoop to discover your tailored options<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"author":99,"featured_media":0,"parent":0,"template":"","lender-review-categories":[410],"class_list":["post-43741","lender-review","type-lender-review","status-publish","hentry","lender-review-categories-lenders"],"acf":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_blog_full":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable_v2":"<p>Some lenders build their reputation by offering a single, simple loan. eCapital built its name by doing almost the opposite. Since 2006, it has become one of the most active alternative finance providers in North America by specialising in asset-backed lending, the kind of funding designed for businesses with cash tied up in receivables, equipment, or inventory rather than spare cash in the bank. For founders who don\u2019t want to dilute equity, can\u2019t wait for bank committees, or have outgrown traditional loan structures, eCapital has become a go-to. But it\u2019s also a lender that looks and operates differently from mainstream&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Ashlyn Brooks","url":"https:\/\/swoopfunding.com\/us\/author\/ashlyn-brooks\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review\/43741","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review"}],"about":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/types\/lender-review"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/users\/99"}],"version-history":[{"count":7,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review\/43741\/revisions"}],"predecessor-version":[{"id":43749,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review\/43741\/revisions\/43749"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/media?parent=43741"}],"wp:term":[{"taxonomy":"lender-review-categories","embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review-categories?post=43741"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}