charges on non-factor invoice
charges on non-factor invoice . Biggest mistake to sign up them
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eCapital Freight Factoring (ecapital.com) has a 3.7 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is mixed. Opinions are polarized: 69% rate it 4 stars or higher while 28% give 1 star; The business has replied to 100% of negative reviews; 98 of them were added in the last 12 months. Last updated 2026-08-10.
charges on non-factor invoice . Biggest mistake to sign up them
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My Sales Guy Johnny was top tier from beginning to end even took the time to follow up after onboarding dedicated his time to getting my account setup and rolling with ease he's definitely the sales guy you want when you apply to eCapital Quality of Service, Follow up and overall due diligence amazing customer service
Thank you for the review, Alvin! We are so happy to hear that Johnny was able to make your onboarding experience easy for you. We will be sure to pass along your kudos to him!
My onboarding experience with eCapital was excellent, largely thanks to Randy Redler. From the very beginning, he was extremely communicative and made sure I understood each step of the process. He was always available to answer questions, explain details clearly, and follow up promptly, which made the entire onboarding process smooth and stress-free. What really stood out was Randy’s willingness to be helpful and proactive. He didn’t just respond when asked—he anticipated questions, provided clear guidance, and made sure nothing fell through the cracks. That level of support made a big difference and gave me confidence moving forward with eCapital. Overall, eCapital does a great job with onboarding, and having someone like Randy leading the process shows that they truly value clear communication and customer support. I would definitely recommend them based on this experience.
Thank you so much for the review, Daniel! We are thrilled to hear that Randy has been able to assist you with your onboarding experience, and has helped make that experience smooth and stress-free. We will be sure to pass along your kind words to him!
Want to write this review about worker skyla baker from e capital she is really helpful and kind. All the time when I have issue i ask her to help and she always replies super fast and always tries to help or find a way to figure things up so we can resolve them together. She is great worker and she deserves a great review for her costumer service.
Thank you for the review, Manuel! We are so happy to hear that Skyla has been able to assist you and help resolve any issues with you. We will be sure to pass along your kind words to her!
ALEX SANCHEZ was a very helpful and kind individual. He was able to answer all my questions, and he has very good communication skills. ALEX helped me with communicating with me in Spanish as well. DEFINITELY A 5 STAR.
Thank you for the review, Marisela! We will be sure to pass along your kudos to Alex!
Knowledgeable about industry, very helpful and patient. Truly thankful to you in my corner.
Thank you for the review, Renard! We are thankful to be able to assist you with your factoring needs.
I've been working with Johnny. That guy is great and his team is amazing. So far so good. I'm hopeful that as we move down the road things get better faster and easier. So far so good
Thank you for the review, Curtis! We look forward to continuing to work with you.
Extremely concerning experience. Proceed with caution. We initiated an application process and did not sign a factoring agreement, security agreement, or activate any credit facility. Despite this, UCC filings were placed against our company in multiple states during the application stage. During several conversations with the sales representative, the process was explained in detail, including background checks and due diligence. At no point were UCC filings disclosed or explained as part of the application process, despite thorough discussions. When we objected and decided not to move forward, we were told the filings could be removed. However, instead of the company removing the filings it initiated, we were provided a letter authorizing us to file and pay for the UCC terminations ourselves. This required us to spend time and money cleaning up a legal filing we never expected, never benefited from, and never knowingly agreed to in practice. While the company relied on broad application language to justify this, the lack of clear disclosure upfront and the burden placed on the applicant to fix the situation raises serious concerns about transparency and business practices. Experienced operators should ask very direct questions before submitting an application and carefully review what authority is being granted during the “application” phase.
Thank you for taking the time to share your feedback. We’re truly sorry to hear about your experience, and we understand how frustrating and unexpected this situation must have felt. Our goal is always to be transparent throughout the application and due‑diligence process. While our standard application language outlines the authority needed for preliminary underwriting steps, it’s clear that the details around UCC filings were not communicated in a way that met your expectations. We take that seriously, and we are reviewing this internally to ensure our processes and disclosures are as clear and upfront as possible. Regarding the termination of the filings, we apologize for the inconvenience this caused. Our intent is never to create additional burden for applicants, especially when they choose not to move forward.
We have been with eCapital for 8+ years. There were so many issues with them. Our funding hasn't been processed so many times I can even count. They forgot about it. So I had to call for it to be processed. Sometimes they didn't do even do it until the next day even though the paperwork has been sent before the cut off time. After changing their system to the knew one they lost about $2700 from our reserves. It took me over a month to get back. That wasn't all after being with the for so long they raised our rate from 2% to 2.7% they said it is do to inflation. We finally made decision to leave and it was a best one. Our new factoring company is the best no contracts, lower rate and no issues at all with the funding. Ecapital was trying to charge us around $7000 for leaving before the contract ended.
Thank you for the feedback, and we are taking your concerns very serious. While we are disappointed to hear that your experience did not meet your expectations, we have conducted an internal audit of your account to identify any areas where we can improve on our end.
Working with Johnny and Cori has been an absolutely amazing experience. As a new brokerage company, eCapital has given us the ability to grow larger every single day, and that growth would not have been possible without the incredible support we’ve received. Anytime we’ve needed something done or had questions, Johnny and Cori have been there without hesitation. Without Johnny backing us, we truly would not have been able to do what we’re doing now. He personally went to his boss and made it possible for us to start working with eCapital, and we are beyond grateful for that support. And thank God for Cori — she has handled all of our “stupid” questions with nothing but patience and kindness, never once making us feel bad for asking the same thing over and over. Her patience truly makes us feel comfortable and confident working with eCapital. We are extremely grateful and excited to continue growing with the help of Johnny and Cori. Thank you guys! - Fairline Freight Team
Thank you so much for the amazing review! We are so happy to hear that Johnny has made your transition as smooth as possible, and that Cori has been able to assist you with any questions you have had thus far! We look forward to continuing to help you and your business grow!
This company is the worse factoring company ever. If you submit a load for any amount they take $35 plus an extra $10 for putting the money in the account. Also if you want to get the money the same day. It’s $70 plus $10 to put the money in your account. Example. If you submit a load for $100 . You will only get $18. They are worse than the mafia. I submitted a load from Scotlynn. They sent the bills to the wrong e mail for Scotlynn and had the nerve to take all the money 3 months later because they said they did not get paid from Scotlynn. Really. You guys sent the bills to the wrong company. I have so much more negative incidents that happened. I don’t have time to write them. They also charge $700 if you want to get out of the contract. It’s a 1 year contract. Really. The best person working there is Anahi Salgado. I give her 10 stars. The rest of them get 1 star
Thank you for providing your feedback, Steve. We take all reviews very seriously, and we are disappointed to hear about your experience. Unfortunately, we are unable to locate your account with us. We have requested additional information from you through TrustPilot to better understand your experience and assist with resolving any issues.
This company did not show any interest, communication, or appreciation for our business. We've since moved to another factoring company and CANNOT STRESS HOW MUCH BETTER IT IS. Worst decision our company has made so far was choosing eCapital originally. They did not offer any customer service and simple tasks took weeks for them to even acknowledge let alone work on. Very happy to be done dealing with their team. PLEASE DO NOT CHOOSE ECAPITAL FOR YOUR OWN SAKE.
We are disappointed to hear that your experience with eCapital was not positive. Unfortunately, we are unable to locate your account with us and have requested additional information from you to help us understand some of the challenges you experienced.
We worked with eCapital using their brokerage factoring platform. It was one of the worst decisions my business partner and I made when starting a company. They do not care about their business partners - all they care about is pretending they are offering you a service that makes your life easier (which it doesn't) and they take 1.75% of your revenue. Anytime you ask them for any assistance, it will be like pulling teeth, and they do not care about your company, only their own. It is not a partnership in any sense. I even complained to management and spoke with Holly McIntyre, who is supposed to be their customer service manager, and she was insanely rude and dismissive. We grew from a $0 in revenue/year company to a $3.5 million revenue/year company, and it was absolutely in no part due to eCapital. Stay away if you can.
Thank you for taking the time to share your experience with us. We're truly sorry to hear that our platform did not meet your expectations. Your feedback is very important to us, and we take it seriously. Our team will be reviewing your case internally and actioning accordingly.
We had tge chance to deal with Johnny McSorley and he made our factoring experience exceptional. He went back and forth with our previous factoring company to make sure we were set up with eCapital as soon as we needed to. Highly recommended.
Thank you for the review, Arsh! We are so happy to hear that your factoring experience has been exceptional! We will certainly pass along your kudos to Johnny.
Excellent service! ALEX SANCHEZ was professional, reliable, and easy to work with. Everything was handled smoothly and exactly as promised.
Thank you for the review, Gurwinder!
I had a great experience with johny.he was very friendly and professional. It was a pleasure to work with him
Thank you for the review! We will be sure to pass along your kudos to Johnny!
Bad experience with Amber. Portal has frequent issues.
We appreciate the feedback and take this very seriously. A member of our team will be reaching out to you shortly to discuss these issues you have experienced.
Johnny Mcsorley was above and beyond ! keep up the good work.
Thank you for the review, Sid! We'll be sure to pass along your kudos to Johnny!
ALEX SANCHEZ Is the best !! He went above and beyond, He worked with me and explained everything to me as far as the process and the app. Every time I called or emailed him he answered or responded promptly. If I could give him more than 5 stars I would.
Thank you for the review, Henry! We are so happy to hear that Alex has been so supportive during your onboarding process. We will be sure to pass along your kind words to him!
Thank you for the review!
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