eCapital

eCapital

eCapital—formerly known as Flexible Funding—operates as a specialty finance lender offering asset-based loans, invoice factoring, and supply chain finance to small and midsize businesses. The firm's website states it has provided credit solutions for more than 19 years, though the founding date of the current corporate entity under the eCapital brand is not publicly disclosed. The company is headquartered in Santa Clara, California, with additional physical offices in Canada and the United Kingdom. The firm targets financing facilities ranging from $5 million to $250 million across sectors including healthcare, staffing, consumer goods, and transportation. Confirmed product lines include asset-based lending, accounts receivable financing, healthcare receivables financing, freight factoring, payroll funding, and inventory financing. In a series of client case studies, eCapital cited transactions such as a $750,000 freight factoring facility for a Mississippi-based carrier and a $30 million healthcare receivables facility supporting a California hospital. The firm also extends supply chain finance and in-transit financing to wholesale distributors and manufacturers. eCapital employs approximately 58 professionals, per Altss research, across its U.S., Canadian, and U.K. offices. The company markets an eCapital client mobile app and a proprietary financing platform branded as Liquid Inventory and FastTrack solutions. The most recent operational milestone cited on the firm's website involves case studies dated to 2025; a $30 million healthcare facility for a California hospital and an $8.5 million facility for an eight-facility skilled nursing operator are among the latest disclosed transactions. Mandy Bortolussi serves as Director of Communications, per the firm's contact page. The firm's structural differentiator is its tech-enabled underwriting platform designed to deliver funding approvals within 48 hours for certain products—a speed claim positioned against traditional asset-based lenders. Unlike many specialty finance firms, eCapital originates credit directly to end borrowers rather than through intermediary funds, and it maintains a physical office network in three countries despite a tech-forward marketing posture.