About is the online home of eCapital, a company that says they believe businesses are the backbone of America, which is why they want to help their businesses find the best financing options for their needs.  

How Does It Work? was founded to help people get the financing their company needs without the struggle and hardship associated with bank loans, so that you can quickly get back to business.

This company currently offers their clients two different funding options: Working Capital and Invoice Factoring. Working Capital is revenue based funding which provides clients with a lump sum of money deposited into your business's account in exchange for a percentage of your average monthly banking deposits.

Invoice Factoring, on the other hand, offers the ability to have existing invoices paid in 24 hours so that you are no longer responsible for chasing these payments. Most companies will only factor invoices that are past due less than 30 days and those that are still upcoming. Your customers will then be instructed to send all payments to the factoring company, and any payments that are sent to your company instead will need to be forwarded to the company that factored your invoices.

Their website says that they understand the many different financial difficulties which can be experienced by businesses, so they will consider any business owner with a credit score of 500 or higher. 

Cost/Price Plans

Because this company is matching their clients with the best possible partners and lenders for their personal needs and circumstances, they do not charge any fees for their service. Most companies which operate in this way are actually paid by the financers that they work with for bringing them new, quality clientele.  

Refund Policy

Because this company does not actually charge their customers any fees for connecting them with lenders who are interested in providing them with funding, they also do not offer a standard Refund Policy at this time. 

Customer Service Contact Info

Customers who would like to contact Customer Service with any questions, concerns, or complaints can do so by phone at 800-705-1500, by email at [email protected], or by submitting them directly to their website through their Contact Us link.


Interestingly, most of the reviews available for this company at this time have to do with their employment options rather than their effectiveness at helping companies arrange the lending options they need. 

The bottom line appears to be, however, that this company is really just connecting you with a variety of lending partners who are interested in working with your type of company, which means that customers can use this company to connect them with opportunities, but then they will want to do their own due diligence on the companies that are recommended to them.  

Competitors and Alternatives?

There are actually many different companies whose goal is to help small business arrange the financing and lending options that will best help them grow and expand their businesses, so if you are unable to find what you need on this website, there are likely to be other options suitable for your needs through other companies.    

If you have any experience with this company or their products, please leave your reviews below.

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