eCapital vs. Porter Freight Funding
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, Porter Freight Funding scores higher (87.1 vs. 71.0 out of 100). Scores weigh reviews, BBB record, contract flexibility and support — not price.
Terms side by side
| eCapital | Porter Freight Funding | |
|---|---|---|
| Advance rate | Up to 100% [source] | Up to 95% [source] |
| Factoring fee | Not published | 1.5% introductory rate for first 60 days (qualifying carriers); flat pricing [source] |
| Recourse | Recourse and non-recourse [source] | Recourse and non-recourse [source] |
| Contract length | Not published | One-year agreement [source] |
| Termination fee | Not published | None with 60 days' notice [source] |
| Funding speed | As fast as 1 hour; 24/7/365 transfers [source] | Same-day wire, next-day ACH, 24/7 PorterWallet advances [source] |
| Fuel program | $2,500 fuel credit standalone; $5,000 and 16,000 locations with factoring bundle [source] | Fuel card at 2,500+ truck stops; fuel advances up to 50% of load [source] |
| Credit checks | Unlimited free credit checks [source] | Free, unlimited broker credit checks [source] |
| Founded | 2006 (group roots) [source] | 2011 [source] |
| Headquarters | Aventura, Florida (eCapital Freight Factoring Corp.) [source] | Birmingham, Alabama [source] |
| Parent company | Not published | Porter Capital [source] |
| Advertised features | Same-day funding, Free credit checks | Same-day funding, Fuel advances, Free credit checks |
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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