eCapital vs. OTR Solutions
Both serve freight & trucking. Here's how their published terms compare. "Not published" means we couldn't find the figure on the company's own site.
In our freight ratings, eCapital scores higher (71.0 vs. 70.0 out of 100). Scores weigh reviews, BBB record, contract flexibility and support — not price.
Terms side by side
| eCapital | OTR Solutions | |
|---|---|---|
| Advance rate | Up to 100% [source] | Not published |
| Recourse | Recourse and non-recourse [source] | Recourse and True Non-Recourse [source] |
| Contract length | Not published | Factoring agreement; length varies by programme [source] |
| Minimum volume | Not published | No monthly minimum; once a broker is factored, its invoices must be factored until release [source] |
| Funding speed | As fast as 1 hour; 24/7/365 transfers [source] | Seconds, 24/7/365, to any bank account (Truly Instant Funding) [source] |
| Fuel program | $2,500 fuel credit standalone; $5,000 and 16,000 locations with factoring bundle [source] | Up to 0.5% off factoring rate with fuel card; load advances up to 50% ($15 fuel card, $24 Comchek) [source] |
| Credit checks | Unlimited free credit checks [source] | No credit check to apply [source] |
| Founded | 2006 (group roots) [source] | Not published |
| Headquarters | Aventura, Florida (eCapital Freight Factoring Corp.) [source] | Roswell, Georgia [source] |
| Advertised features | Same-day funding, Free credit checks | Same-day funding, Fuel advances, No minimum volume, Non-recourse |
Terms are negotiated. The only way to know what you'd pay is to get quotes for your volume and customers.
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