eCapital factoring: rates and terms
eCapital's site doesn't publish a rate. It doesn't say reserve, payout fees, leaving or 2 other terms. Source: ecapital.com, pages read Oct 25, 2026.
tafs.com now redirects to ecapital.com (observed 2026-10-24).
Run your quote in the rates calculator
What eCapital publishes
- Rate: not published
- Advance: published
- Recourse: published
- Reserve: not published
- Payout fees: not published
- Contract term: published
- Leaving: not published
- Minimums: not published
- Other fees: not published
Filled: stated on eCapital's site. Dashed: not published on the pages we read.
Terms, in eCapital's words
| Term | What the site says |
|---|---|
| Rate | not published |
| Advance | up to 98% within 24 hours (also claims 'up to 100%')"you receive an advance up to 98% of the invoice amount within 24 hours" [1] source for up to 98% within 24 hours (also claims 'up to 100%'): ecapital.com |
| Recourse | both; non-recourse only for customer bankruptcy"however, this only happens if the customer cannot pay due to bankruptcy." [1] source for both; non-recourse only for customer bankruptcy: ecapital.comrecourse buyback after 90 days"Recourse factoring places the responsibility on trucking companies to buy back invoices or exchange them for another of comparable value if the customer does not pay for the delivered load within 90 days." [2] source for recourse buyback after 90 days: ecapital.com |
| Reserve | not published |
| Payout fees | not published |
| Contract term | no long-term contract required"you are not required to sign long term contracts." [1] source for no long-term contract required: ecapital.com |
| Leaving | not published |
| Minimums | not published |
| Other fees | not published |
| Fuel program | $2,500 pre-approved fuel credit"$2,500 in pre-approved credit." [1] source for $2,500 pre-approved fuel credit: ecapital.comup to $0.20/gal off"Fuel Discount Cards with up to $0.20 off per gallon" [2] source for up to $0.20/gal off: ecapital.com |
| Credit checks | free credit check tool"run free credit checks" [1] source for free credit check tool: ecapital.com |
| Referral program | $500-$5,000 per referral that becomes a client"If your referral becomes a client, you can earn between $500 and $5,000" [1] source for $500-$5,000 per referral that becomes a client: ecapital.com |
| Affiliate program | $20 per qualified connection (affiliate portal, UTM links)"Earn $20 for every qualified business you connect" [1] source for $20 per qualified connection (affiliate portal, UTM links): ecapital.com |
| Reviews | not published |
Values are eCapital's marketing claims, quoted from its pages; the contract you sign governs. Pages read: ecapital.com/products/freight-factoring/, ecapital.com/faqs/, ecapital.com/transportation/referrals/, ecapital.com/affiliates/.
Does eCapital factor for new authorities?
"Freight Factoring provides owner operators with trucking startup companies immediate access to capital."
ecapital.com
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We have no paid relationship with any company on this page. eCapital runs a referral or affiliate program (listed above); we are not enrolled in it. Corrections: tell us.
Questions
What are eCapital's factoring rates?
eCapital doesn't publish a rate on the pages we read, so you'd need a quote. Check a quote in the rates calculator.
Does eCapital work with new authorities?
Its site says: "Freight Factoring provides owner operators with trucking startup companies immediate access to capital." None of the pages we read gives a minimum authority age.
Does eCapital require a long-term contract?
eCapital's site says: no long-term contract required. The signed agreement sets the term you are held to.
Is eCapital recourse or non-recourse?
eCapital's site says: both; non-recourse only for customer bankruptcy; recourse buyback after 90 days.
How do I stop factoring with eCapital?
eCapital's site doesn't say how to leave on the pages we read. The notice period and any termination fee are in your signed agreement. How to get out of a factoring contract.