SPECIALTY FINANCE

Welcome to the future of business financing

We deliver dynamic and timely working capital solutions tailored to your business—whether you're scaling up, staying steady, or navigating change.

ABOUT US

Capital solutions built for today’s needs, and tomorrow’s possibilities

At eCapital, we accelerate business growth by delivering fast, flexible access to capital through cutting-edge technology and deep industry insight.

Across North America and the U.K., we’ve redefined how small and medium-sized businesses access funding—eliminating friction, speeding approvals, and empowering clients with access to the capital they need to move forward. With the capacity to fund facilities from $5 million to $250 million, we support a wide range of business needs at every stage.

With a powerful blend of innovation, scalability, and personalized service, we’re not just a funding provider, we’re a strategic partner built for what’s next.

20

YEARS IN BUSINESS

43

MM+

TRANSACTIONS COMPLETED

850

EMPLOYEES

42

K+

CLIENTS FINANCED

CREATIVE FINANCING PRODUCTS

A dynamic suite of financing products built to adapt to your business needs

Whether you’re looking to improve cash flow, invest in new opportunities, or manage your working capital more effectively, our customizable products are built to fuel your growth and keep your operations running smoothly, no matter the challenge.

Asset-based Lending](/content/en-ca/products/asset-based-line-of-credit/index.html)

A/R Financing](/content/en-ca/products/accounts-receivables-financing/index.html)

Supply Chain Finance](/content/en-ca/products/supply-chain-finance-for-buyers/index.html)

SECURED FINANCING SERVICES

Serving the unique financing needs of 80+ industries

Healthcare

Flexible financing solutions for your growing Healthcare business.

Staffing

Payroll funding solutions that scale with your business.

Consumer Goods

Creative, flexible financing solutions for the Consumer Goods industry.

Transportation

The fastest, smartest and easiest way for trucking companies to get paid.

CUTTING-EDGE FINTECH

Empowering businesses with the most advanced working capital financing platform

Quick, affordable access to working capital is the fuel that powers business success. At eCapital, we understand that every business has unique needs, and for over 19 years, we’ve been innovating flexible, tech-enabled programs that supercharge cash conversion cycles for companies of all sizes.

FINANCING FOR EVERY SCENARIO

Delivering customized financing solutions for every stage

At eCapital, we tailor financing to fit your unique journey. Our tech-enabled solutions adapt as you grow, providing the flexibility and control to focus on what matters most—your business.

Funding High Growth

Leverage receivables, inventory, and equipment to access the capital needed for rapid growth.

Unlocking Business Wealth

Free up hidden value in your business with fast, flexible financing from eCapital.

Mergers & Acquisitions

Secure funding to transition ownership, even with limited working capital.

Extended Payment Terms

Get paid faster and maintain cash flow despite long invoice payment terms.

Restructuring & Turnaround

Fast funding to restore stability and drive business recovery.

Unexpected Events

Be financially prepared for anything with working capital solutions in under 48 hours.

LATEST TRANSACTIONS

Have a look at some clients we’ve helped in our latest transactions

$700K

$700K Receivables Facility Supports Skilled Nursing Facility

$800K

Assisted Living Provider Receives $800K in Healthcare Financing

$500K

Ontario Trucking Company Enhances Cash Flow with $500K Factoring Facility

WHO WE HELP

Bring financial agility to your evolving business

See real success from our clients in action—explore case studies from leading businesses that used asset-based financing to unlock cash flow, drive growth, and navigate complex financial challenges.

30% Growth

“Since then, we’ve had very encouraging growth… last year alone for example, on the heels of COVID, we grew about 30%. This year, we’re projecting to grow an additional 25 to 30%.”

Additional availability within the borrowing base

“The additional financing in our eCapital borrowing base now makes up about 40% of the total loan structure.”

Competitive Solutions

“We chose eCapital because of the team and the fact that their deal was, by far, the best.”

Tailored Solutions

“eCapital met our financial needs and provided a solution that perfectly aligned with what we required.”

Tailored Solutions

“We chose eCapital because they offered a stronger overall package — competitive pricing, favorable terms, and a facility large enough to support our plans,” explains Villarreal.

Solutions used

+50MM Revenue

$50 million in revenue gained in just five years!

Reached Inc. 5000 list

A rising star on the 5000 list of the fastest-growing private companies in America

Solutions used

Pact achieves 30% growth with e-commerce financing solutions

How Pact achieved 30% growth Discover how Pact, an eCommerce-based brand in North America, with a deep commitment to sustainability and organic practices, embraced innovation and collaboration to over. . .

How the DPI group quickly alleviated their cash flow constraints

How eCapital helped The DPI Group overcome financial challenges. The DPI Group is a non-profit organization dedicated to identifying and creating job opportunities for individuals with disabilities.

How Clever Foods and Supplements met growing consumer demand

How Clever Foods & Supplements met growing consumer demand. Clever Foods & Supplements is a fast-growing health and wellness brand. However, rapid growth brought increasing pressure on working.

How Red Lab Logistics grew to $50 million in revenue in 5 years

How Red Lab Logistics grew to $50 million in revenue in just five years. Launched in 2019 with little industry experience, Red Lab Logistics focused on solid growth strategies supported by eCapital’s.