TRANSPORTATION FACTORING & FINANCING

Smarter financing for transportation companies

Get the cash flow you need to scale, with the support of one of North America’s largest trucking finance companies.

Trusted by the industry

20 + YEARS IN BUSINESS

43 MM+ TRANSACTIONS COMPLETED

850 + EMPLOYEES

42 K+ CLIENTS FINANCED

Solutions built for the road ahead

With decades of experience in transportation finance, we know what it takes to keep your business moving forward. From steady cash flow to smarter fuel savings, here’s how we help you stay ahead:

Freight Factoring \
Customized funding and terms to match the requirements of your business with access to cash in as fast as an hour.](/content/products/freight-factoring/index.html)

Fuel Program \
Spend less on fuel at locations across North America and keep your trucks moving with $2.5K in pre-approved credit.](/content/products/fuel-program/index.html)

Asset-based Lending \
Convert assets into flexible capital and give your business the cashflow it needs to operate and grow.](/content/products/asset-based-line-of-credit/index.html)

We help transportation companies grow and thrive

No two trucking businesses are alike – whether you’re running loads, managing fleets, or brokering freight, we have the financing tailored to your operation. Plus, you’re backed by expert support, so you can focus on moving your business forward.

Financing for trucking fleets

Our fleet experts work with you to customize a plan that supports your goals for growth.

Owner Operators

Freight Factoring

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Freight Brokers

Business Financing

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HOW IT WORKS

We’re more than transportation factoring

At eCapital, we’re continuously innovating to help trucking companies better manage their bottom line. Powered by modern technology, industry expertise, and dedicated client support, our solutions deliver a truly unique experience that sets us apart from the competition.

Fast and flexible financing

Customize solutions and terms to match the requirements of your business and get funded in as fast as 1 hour.

Modern tools for your business

Manage your finances and simplify operations through a powerful platform built to scale with your trucking business.

Industry expert support

Work with a team that understands transportation inside and out, bringing decades of experience and tailored guidance to help you grow.

OUR PHILOSOPHY

Built for truckers, driven by experts

We know the challenges of the road because we’ve been in the industry for almost 2 decades. Our philosophy is simple: put drivers, fleet owners, and brokers first with fast, fair and flexible funding.

We believe in hard work, honest partnerships, and real support – not just funding your business, but helping it stabilize, expand, and achieve long term success. With a deep commitment to client support, industry expertise, and solutions that fit your unique needs, we’re here to ensure your cash flow keeps up with the miles you put in.

LETS TALK

Frequently asked questions about transportation financing

What is transportation finance?

Transportation finance for freight companies refers to the financial services and solutions tailored specifically to meet the unique needs of businesses operating in the freight and transportation industry. It encompasses a range of financial products and services designed to address the financial challenges and support the growth of freight companies.

What is transportation factoring?

Transportation factoring is a financial service where transportation companies sell their outstanding invoices to a factoring company for immediate cash, improving cash flow and allowing them to cover operational expenses without waiting for customers to pay.

What is fleet financing?

Fleet financing refers to the financial arrangements and methods used to acquire and manage a fleet of vehicles or equipment for commercial purposes. It involves securing the necessary capital to purchase or lease a fleet and managing the associated financial aspects throughout the fleet’s lifecycle. Fleet financing is commonly used by businesses that rely on transportation, such as logistics companies, delivery services, trucking companies, and rental car agencies.

What types of financing are available to trucking companies?

Common options include freight factoring, lines of credit, working capital loans, equipment financing or leasing, asset-based lending (ABL), and fuel advances.

How do I know which type of financing is right for my business?

It depends on your needs. Factoring is ideal for improving cash flow from slow-paying customers, while equipment financing helps purchase or upgrade trucks and trailers. A lender can help match the right solution to your cash flow and operational goals.

Can I get financing to grow my fleet?

Absolutely. Fleet expansion can be funded through working capital loans, equipment financing, or factoring to support new driver onboarding and operational scale.

What do I need to apply for transportation financing?

Generally: business info, MC/DOT number, proof of revenue, invoice samples (for factoring), and personal ID. Credit score and time in business may also be reviewed.

What is a factoring company?

A factoring company, also known as a “factor,” is a financial institution or service that purchases accounts receivable (i.e., unpaid invoices) from businesses. This is done to provide the businesses with immediate cash, which they can use to finance their operations, cover expenses, or grow their businesses.

Do I need to use eCapital's freight factoring to access the fuel program?

You do not need eCapital’s freight factoring to access eCapital’s fuel program. The eCapital fuel program is now available as a standalone product. You can apply for a fuel card and start saving on every fill-up even if you don’t currently factor with us.

What does the fuel-only program include?

You get access to the same exclusive fuel discounts (avg. $0.43/gallon, up to $2.40 at select locations), the Fuel Map, and 24/7 support with no monthly fees and up to $2,500 in fuel credit.