Overview
TAFS was an independent freight factoring company based in Olathe, Kansas. Its own About page, as archived in January 2024, said TAFS "opened its doors for business in 2007", outgrew its original building by 2014 and built a new facility in Olathe, and in 2017 acquired ProDispatch, a dispatch service. At that point its site advertised freight factoring, broker factoring, factoring for Canadian carriers, 1-hour and night and weekend advances, the F2 fuel card, discounted tyres, a truck maintenance and repair programme and a TMS.
TAFS is now part of eCapital. eCapital's own About page lists, under 2024, "Bolstered Transportation portfolio with TAFS acquisition". When we checked on 3 November 2026, both tafs.com and www.tafs.com returned a permanent (301) redirect to ecapital.com. There is no TAFS-branded marketing site, rate page or application form still standing. eCapital's client login page does still list a separate account portal for "freight factoring (TAFS clients)", which suggests at least some former TAFS accounts are still administered on their original system.
We want to be clear about what we could and could not confirm. The redirect is something we tested ourselves, and the acquisition is stated on eCapital's own site. The exact closing date, price and deal terms are not: we could not find a press release from either company or a trade press report that gives them. If a decision turns on the date, confirm it with eCapital directly.
Because TAFS no longer operates as a separate brand, it is not in our scored ratings and we do not list it as an active company. eCapital is in our ratings, and you can read our eCapital review for its full score and complaint record.
Rates, advances and fees
With no TAFS rate page left, a former TAFS customer cannot check their terms against a published TAFS benchmark. The relevant published terms are now eCapital's. eCapital does not publish a factoring rate. Its freight factoring page says advances are "usually around 80-90%, but at eCapital we provide up to 100%", though another answer on the same page says "up to 98% of the invoice amount". It says you can be paid "in as little as 1 hour", while standard factoring typically takes 24 to 48 hours. Fees are deducted from the advance and depend on the services you use and your invoice volume.
eCapital's fuel programme offers $2,500 in pre-approved credit and fuel discounts at 16,000 locations, and the page mentions additional factoring rate discounts for customers who bundle fuel. It also advertises unlimited free credit checks and 24/7 support. Its comparison table is inconsistent on the fuel credit figure, showing $5,000 in one place and $2,500 in another, so confirm the number that applies to you.
If you were a TAFS customer, compare a recent settlement statement against one from before the transition. Look at the fee, the advance, and any per-invoice, wire or instant-transfer charges, not just the headline rate. Our editors recorded an extra fee for eCapital's instant transfers in January 2026, so check whether you are now paying one. Our guide to hidden factoring fees lists the charges to look for, and our factoring calculator shows what a change in rate or advance costs you over a month.
Contract terms
An acquisition does not normally cancel a factoring agreement. It usually transfers it. Most freight factoring contracts include a successors-and-assigns clause that lets the factor assign the agreement without asking you, so the terms you signed probably still bind you, now to a different company. Read your own agreement rather than assuming either way.
eCapital's current freight factoring page says "you are not required to sign long term contracts" and that there are no monthly payment obligations. In January 2026 our editors recorded a 12-month standard term and a 60-day notice period for eCapital. Those two positions may describe different products or a change in policy. Either way, an inherited TAFS agreement keeps its own terms until you sign something new, so your original contract is the document that governs your exit.
On recourse, eCapital offers both recourse and non-recourse. Under recourse, its page says you must buy back an unpaid invoice after the recourse period, "usually 60 to 90 days". Under non-recourse, it notes there is no universal definition of when the factor must absorb the loss, which is exactly why you should read the covered-event clause in your own agreement. Our recourse versus non-recourse guide explains where the line usually falls.
Five things to check if you were a TAFS customer
- Who your counterparty is now. Read the assignment or successors clause in your original agreement, then ask eCapital in writing which entity holds it.
- Who holds the UCC filing on your receivables. If you ever switch, the incoming factor needs a UCC-3 release from whoever is named on the filing. Search your business name in your state's UCC database to see who that is.
- Where your brokers are sending payment. Notices of assignment tell brokers where to remit. If remittance details changed, confirm every broker you haul for has the update. A payment sent to the wrong place is yours to chase.
- Whether your rate or advance moved. Compare settlement statements from before and after the transition.
- What your exit terms are. Notice period, termination fee and any minimum volume commitment. You need these before you can price a move, and they are the terms carriers most often find only when they try to leave.
Our guide to reading a factoring contract shows where each of these sits in a typical agreement.
Funding speed and service
eCapital's headline is payment in as little as an hour, with same-day funding listed in its comparison table, and standard factoring in 24 to 48 hours according to its FAQ. For new accounts, eCapital says it will be in touch within 24 hours and that a decision can take a couple of days once your paperwork is in. It says it has served more than 30,000 businesses.
TAFS's old extras, such as the F2 fuel card, ProDispatch and the maintenance programme, were TAFS-branded. We could not confirm which of them continue under eCapital. If you relied on one, ask eCapital whether it is still available and on what terms.
Complaints pattern
Because TAFS customers now deal with eCapital, eCapital's record is the relevant one. The BBB profile for eCapital Freight Factoring Corp., checked in November 2026, shows an A grade, BBB accreditation since 25 November 2020 and 30 complaints filed in the last three years. In our January 2026 ratings, the complaint themes our editors found for eCapital were unexpected fees, difficulty cancelling contracts, poor communication about changes to rates or terms, and delays in paying out reserves. Those are exactly the points a customer moved between companies should check.
Who it's for
This profile is for carriers who signed with TAFS and now find themselves dealing with eCapital, and for anyone weighing an old TAFS quote or recommendation. Being handed to a new factor by an acquisition is a sensible moment to test the market, but it is not a reason to move in a hurry. If your terms are unchanged and service has been fine, staying may be the cheapest option. If your rate, advance or fees have moved, or service has slipped, compare quotes from the companies in our freight factoring ratings. Riviera Finance scored highest there at 88.9 out of 100.
Price the whole package before moving. Run one real month of your invoices through each quote with our factoring calculator. The mechanics of leaving are the same wherever you go: the incoming factor buys out your open invoices, the outgoing factor releases its UCC filing, and you give written notice within the period your agreement sets. Our guide to switching factoring companies walks through the sequence.
Pros and cons
Pros of staying with eCapital
- No need to arrange a buyout or move broker remittances
- eCapital advertises payment in as little as an hour and advances of up to 100%
- Recourse and non-recourse options
- A fuel programme with discounts at 16,000 locations
- eCapital's page says long-term contracts are not required for new customers
Cons of staying with eCapital
- Your inherited TAFS terms may differ from eCapital's current ones
- 30 BBB complaints filed in the last three years
- Our editors recorded a 12-month standard term and a 60-day notice period in January 2026
- An extra charge for instant transfers, as our editors recorded it
- TAFS-branded extras may not carry over
How it compares
If you decide to move, the freight factors we profile cover a range of contract styles. Bobtail publishes a 1.5% to 3.5% fee range with no reserve and a 90-day penalty-free trial. BasicBlock publishes a 2.5% rate and advertises no contracts. RTS Financial, another Kansas factor, bundles a fuel card and load board but on a 12-month term. Line up quotes on our compare page.
Frequently asked questions
What happened to TAFS?
eCapital acquired it. eCapital's About page lists the TAFS acquisition under 2024, and when we checked on 3 November 2026 tafs.com redirected permanently to ecapital.com. We could not find a press release giving the closing date or terms.
Is TAFS still in business?
Not as a standalone brand with its own website. eCapital still runs a client portal for TAFS clients. If you hold a TAFS agreement, ask eCapital in writing which entity is your counterparty today.
Does an acquisition cancel my factoring contract?
Generally no. Most freight factoring agreements include a successors-and-assigns clause allowing the factor to assign the agreement without your consent, so your terms usually continue under the new owner.
How do I find out who holds the UCC filing on my invoices?
Search your business name in your state's UCC filing database. The secured party named there is who an incoming factor will need a UCC-3 release from.
When was TAFS founded?
TAFS's own About page, as archived in January 2024, said it opened for business in 2007 and later built its headquarters in Olathe, Kansas.