eCapital Review 2026

eCapital is a national funding platform specializing in MCAs and invoice factoring. They offer flexible underwriting and have funded over $3 billion to small businesses across various industries.

What eCapital Offers

eCapital provides the following funding products for small and medium-sized businesses:

• Merchant Cash Advance
• Invoice Factoring
• Asset Based Lending
• Equipment Financing

• Amount: $10,000 - $5,000,000
• Factor Rates: 1.08 - 1.4
• Funding Time: Same day to 3 business days

eCapital Requirements

• Credit Score: 500+ personal credit score
• Time in Business: At least 12 months
• Monthly Revenue: $25,000+ minimum

eCapital Pros

• High approval rates
• Large funding amounts available
• Invoice factoring specialty
• Experienced underwriting team

eCapital Cons

• Higher revenue requirements
• 12+ months in business preferred
• Not ideal for very small businesses

Who Should Use eCapital?

• Businesses with credit scores of 500 or above
• Companies with at least $25,000 in monthly revenue
• Businesses operating for 12+ months
• Those looking for Merchant Cash Advance or Invoice Factoring

How to Apply

The application process is straightforward. You can apply directly through eCapital or through Velica Capital to compare multiple offers at once with no impact to your credit score.